OceanFirst Financial Corp. OCFC

17.10 0.23 1.36% as of 25 Sep
Market cap
$1.7B
P/E
20.1×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 4.51
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — 3 —
Insider Ownership 0.00%

Capital & Financial Ratios

Market Cap 1,660.00
Revenue 750.88
Net Income 47.96
Free Cash Flow 113.77
Net Debt 2,064.41
Current Ratio 0.92
Debt/Equity 0.97
P/E ratio 20.12
P/S ratio 1.60
P/B ratio 0.50
Past 5Y EPS Growth (1.15%)
This Y EPS Growth 23.88%
Next Y EPS Growth 29.19%
Next 5Y EPS Growth 20.87%
in millions of $

Dividends

Payout Ratio 0.33
Annual Dividend Rate 0.80
Annual Dividend Yield 5.30%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.80
0.20
0.20
0.20
2025 0.80
0.20
0.20
0.20
0.20
2024 0.80
0.20
0.20
0.20
0.20
2023 0.80
0.20
0.20
0.20
0.20
2022 0.74
0.17
0.17
0.20
0.20
2021 1.12
0.17
0.17
0.44
0.17
0.17
2020 0.68
0.17
0.17
0.17
0.17
2019 0.68
0.17
0.17
0.17
0.17
2018 0.62
0.15
0.15
0.15
0.17
2017 0.60
0.15
0.15
0.15
0.15
2016 0.54
0.13
0.13
0.13
0.15
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 154 124 135 274
Receivables — — — —
Inventory — — — —
Other — — — —
10,347 10,246 11,161 16,452
2023 2024 2025 Q'26
Payables 10,435 10,066 10,964 17,760
ST’ Debt — — — —
Other — — — —
10,508 10,127 11,019 17,821
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 20.98% 8.66% 11.91%
Cash Flow 11.90% (8.05%) (29.65%)
Earnings 12.69% 1.86% (22.21%)
Book Value 21.43% 2.30% 1.60%

Revenue

Mar Jun Sep Dec Year
’26 175 220 — — —
’25 165 167 174 181 687
’24 174 170 176 172 692
’23 141 159 169 172 642
’22 100 107 126 158 490
’21 106 95 95 98 394
’20 112 107 101 133 454
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 25 36 — — —
’25 (2) 29 24 36 87
’24 46 24 (22) 45 92
’23 24 72 55 (27) 124
’22 58 69 84 40 250
’21 37 102 (20) 41 160
’20 64 18 46 5 133
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 23 35 — — —
’25 (4) 28 22 33 80
’24 45 23 (23) 43 88
’23 22 69 53 (28) 117
’22 50 71 70 39 230
’21 32 95 (34) 25 118
’20 62 16 41 (1) 118
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.36 (0.04) — — —
’25 0.35 0.28 0.30 0.23 1.17
’24 0.47 0.40 0.42 0.36 1.65
’23 0.46 0.45 0.33 0.46 1.70
’22 0.42 0.47 0.64 0.89 2.42
’21 0.53 0.49 0.39 0.37 1.78
’20 0.27 0.31 (0.10) 0.54 1.02
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
15.98 24.02 21.30 20.46 11.60 18.06 18.24 12.01 14.03 14.29

Analyst estimates 2026–2028

Powerpack
Low Price
30.49 30.70 30.90 26.09 25.52 25.76 24.25 24.93 21.87 20.61
High Price
797 684 892 924 987 917 939 899 1,007 954
Employees
0 0 0 0 0 0 1 1 1 1
Revenue/Emp
154 216 311 351 454 394 490 642 692 687
Revenue
91.44% 90.92% 88.39% 84.95% 85.30% 90.67% 89.05% 62.87% 55.49% 58.93%
Gross Margin
35 65 86 107 81 142 194 137 131 93
EBT
22.88% 30.26% 27.45% 30.59% 17.87% 36.10% 39.55% 21.32% 18.87% 13.46%
EBT Margin
23 42 72 89 63 110 147 104 100 71
Net Income
8 13 19 19 23 25 25 21 14 3
Depreciation
6.66 6.72 6.66 7.00 7.57 6.63 8.35 10.88 11.88 11.97
Revenue/Sh
1.00 1.32 1.54 1.77 1.02 1.79 2.43 1.70 1.65 1.17
Earnings/Sh
1.45 2.50 1.98 2.00 2.21 2.69 4.26 2.11 1.58 1.52
Cash Flow/Sh
(0.29) (1.52) (0.03) (0.05) (0.25) (0.71) (0.36) (0.13) (0.07) (0.13)
Capex/Sh
1.16 0.98 1.95 1.94 1.97 1.99 3.91 1.98 1.51 1.38
Free CF/Sh
24.77 18.74 22.22 22.99 24.77 25.53 27.00 28.19 29.21 28.95
Book Value/Sh
23 32 47 50 60 59 59 59 58 57
Shares
30.24 19.98 14.91 14.43 18.26 12.40 8.86 10.32 10.97 15.47
PE Ratio
4.49 3.95 3.38 3.65 2.46 3.35 2.58 1.61 1.52 1.50
PS Ratio
1.21 1.42 1.01 1.11 0.75 0.87 0.80 0.62 0.62 0.62
PB Ratio
4.62 5.09 4.80 5.10 0.21 3.46 5.15 3.04 3.21 3.74
EV/Sales
26.58 34.99 16.41 18.36 0.82 11.56 11.00 16.72 25.27 32.31
EV/FCF
33 80 93 100 133 160 250 124 92 87
Op' Cash Flow
(7) (49) (1) (3) (15) (42) (21) (8) (4) (8)
Capex
27 31 91 98 118 118 230 117 88 80
FCF
(139) (333) (157) (51) (498) (1,031) 338 (161) 119 142
Working Cap'
321 356 563 630 253 249 1,428 1,067 1,293 1,674
Total Debt
20 247 442 509 (1,019) 44 1,260 914 1,170 1,539
Net Debt
572 602 1,039 1,153 1,484 1,517 1,585 1,662 1,703 1,663
Sh' Equity
0.59% 0.80% 1.11% 1.12% 0.62% 0.91% 1.15% 0.75% 0.71% 0.48%
ROA
5.47% 5.42% 4.74% 4.43% 13.04% 5.76% 4.32% 3.32% 2.88% 2.11%
ROIC
5.69% 7.24% 8.77% 8.08% 4.64% 7.07% 9.19% 6.16% 5.71% 3.99%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

OceanFirst Financial Corp. peers in Banks Regional

All 325 Banks Regional stocks →

OceanFirst Financial Corp. (OCFC) key facts

  • OceanFirst Financial Corp. (OCFC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • OceanFirst Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $687.2 million, down 0.75% from fiscal 2024.
  • Net income was $71.0 million, or $1.17 per share (basic), a net margin of 9.77%.
  • As of September 25, 2026, OCFC traded at $17.10, a market capitalization of $1.7 billion.
  • At that price the stock trades at 20.1× trailing-twelve-month earnings and 1.6× sales.
  • OceanFirst Financial Corp. pays an annual dividend of $0.80 per share, a yield of 5.30%, with a payout ratio of 32.8%.
  • Return on equity was 3.99% and debt-to-equity 0.97.

Source: company filings (standardised) and stockrow calculations.

OceanFirst Financial Corp. (OCFC) Latest News

News by impact score

Fine-tune

23 Sep

4

OceanFirst Financial (OCFC) is down roughly 9% over the last month and about 7% over the past three months, with a 7-day return near -6.6% and YTD ~-2.6%, though three-year TSR is 37.93%. The stock trades well below estimated fair value and analyst targets after the pullback. A bull case cites a fair value of $21.33 vs last close of $17.37, backed by aggressive growth forecasts, a record commercial loan pipeline ($791M), and expansion into exurban markets, plus Premier Bank deposits (~$115M in 8 weeks; $500M by year-end) that could lower funding costs and boost margins. Risks include weaker loan demand, credit quality, funding costs, and execution on the Flushing integration. Valuation on a forward P/E of 35.7x vs peers ~14.9x suggests upside could be fragile if growth delays materialize. Growth catalysts and a meaningful valuation gap present upside potential but hinge on execution and credit risk.

7 Aug

3 transcript

OceanFirst Financial (OCFC) held its Q2 2026 earnings call covering financial results, performance metrics and management commentary on operations and outlook. Quarterly earnings updates typically affect near-term stock movement and sentiment without fundamentally changing long-term trajectory.

4 Aug

4

OCFC Q2 results show growth from Flushing acquisition, with integration progress and margin outlook now in focus. Flushing acquisition constitutes major strategic move expected to significantly alter OCFC trajectory and investor sentiment.

31 Jul

4

OceanFirst Financial Corp (OCFC) Q2 2026 earnings call highlighted transformational Flushing developments as key focus. Transformational Flushing move signals major strategic shift with significant effects on future performance.

3 transcript

OceanFirst Financial Corp. held its Q2 earnings call and presented highlights on financial results, operational updates, and outlook. Q2 earnings call highlights deliver performance details that can moderately shift investor views and near-term stock movement.

3 transcript

OceanFirst Financial Corp. reported Q2 2026 earnings results and provided operational updates during its earnings call. Quarterly earnings updates typically produce moderate effects on near-term stock sentiment without altering long-term fundamentals.

30 Jul

3

OceanFirst Financial Corp. announced its second quarter financial results. Quarterly earnings releases provide performance data that can shift near-term stock valuation and sentiment.

29 Jun

3

OceanFirst Financial Corp. completed the previously announced sale of $1.3 billion in New York City multifamily loans. Completion of the $1.3 billion loan sale reduces OceanFirst's New York City multifamily exposure and alters its balance sheet composition.

24 Jun

3

OceanFirst Financial Corp. carries three major risks that undermine its investment appeal, leading to a recommendation for an alternative stock instead. Negative risk assessment of OCFC is positioned to moderately sway investor sentiment and near-term valuation.

8 Jun

4

OceanFirst Financial Corp. agrees to sell $1.4 billion of multifamily loans to reposition its balance sheet. $1.4 billion multifamily loan sale marks major strategic balance sheet repositioning that will alter financial metrics and investor sentiment.

1 Jun

5

OceanFirst Financial Corp. completes merger with Flushing Financial Corporation and receives $225 million strategic investment from Warburg Pincus. Merger plus $225M investment fundamentally strengthens OceanFirst scale, capital base and long-term positioning.

31 May

4

OceanFirst Financial shareholders approved all proposals tied to the Flushing deal, positioning the company for expanded growth. Shareholder approval of the Flushing deal advances a major strategic expansion for OceanFirst Financial.

12 May

3

OceanFirst Financial (NASDAQ:OCFC) Q1 earnings exhibit highs and lows compared to other regional bank stocks. Q1 earnings highs and lows versus regional bank peers likely exert moderate influence on OCFC's financial performance and investor sentiment.

5 May

3

OceanFirst Financial Corp. (OCFC) valuation scrutinized after latest quarterly earnings revealed loan charge-offs. Loan charge-offs post-earnings moderately impact OCFC's financial performance and market sentiment.

28 Apr

4

Strategic Value Bank Partners opened an $11.6 million position in OceanFirst Financial Corp. (OCFC) ahead of its merger. Major hedge fund's pre-merger stake signals strong confidence in OCFC's strategic merger, likely boosting investor sentiment and stock performance.

27 Apr

4

OceanFirst Financial Corp. (OCFC) released highlights from its Q1 earnings call, covering financial results, strategic updates, and outlook. Q1 earnings call highlights detail financial performance and guidance, likely driving significant shifts in investor sentiment and stock performance.

4

OceanFirst Financial Corp. and Flushing Financial Corporation announce receipt of all requisite regulatory and shareholder approvals to complete their proposed merger and reveal the annual meeting date. Receipt of all regulatory and shareholder approvals clears the path for a major merger that will expand OceanFirst's scale, market position, and operational capabilities.

25 Apr

4

OceanFirst Financial Corp. (OCFC) delivered strong Q1 results featuring loan growth, deposit momentum, and advancing Flushing merger integration. Loan growth, deposit momentum, and Flushing merger progress signal major strategic advancements boosting OCFC's financial trajectory and investor outlook.

4

OceanFirst Financial Corp (OCFC) reported strong loan growth in Q1 2026 earnings call, highlighting robust performance amid other key financial updates. Strong loan growth signals major positive shift in financial performance and investor sentiment for OCFC.

24 Apr

4 transcript

OceanFirst Financial Corp. (OCFC) released the transcript of its Q1 2026 earnings call. Q1 2026 earnings transcript discloses financial results, guidance, and strategic updates with potential to significantly sway OCFC's market performance and investor outlook.

3

OceanFirst Financial Corp. released Q1 2026 earnings call summary highlighting quarterly financial results, performance metrics, and forward outlook. Q1 earnings call summary reveals financial performance and guidance affecting investor sentiment and stock trajectory.

23 Apr

4

OceanFirst Financial Corp. (OCFC) reported first-quarter earnings that exceeded analyst estimates. Beating Q1 earnings estimates indicates robust financial performance likely to enhance stock price and investor sentiment significantly.

3

Key metrics from OceanFirst Financial Corp. (OCFC) Q1 earnings provide insights into the company's financial performance. Q1 earnings metrics analysis affects financial performance and investor sentiment moderately.

3

OceanFirst Financial Corp. (NASDAQ:OCFC) missed Q1 CY2026 sales expectations. Q1 CY2026 sales miss will moderately impact financial performance and investor sentiment.

3

OceanFirst Financial Corp. announced its first quarter financial results. Quarterly financial results influence earnings expectations and stock performance moderately.

21 Apr

4 transcript

OceanFirst Financial Corp. (OCFC) released Q4 2025 earnings call transcript detailing financial results, management discussion, and forward outlook. Q4 earnings transcripts disclose financial performance, strategic updates, and guidance that significantly influence stock price and future trajectory.

3

OceanFirst Financial Corp. (OCFC) nears Q1 earnings release, highlighting key metrics, analyst expectations, and factors influencing performance. Upcoming Q1 earnings preview may moderately affect OCFC's financial metrics and investor sentiment without fundamentally altering long-term trajectory.

16 Apr

3

OceanFirst Financial Corp. (OCFC) will report earnings next week, with Wall Street expecting growth. Pre-earnings announcement with expected growth anticipates moderately noticeable influence on financial performance and investor sentiment.

7 Apr

4

Shareholders of OceanFirst Financial Corp. (OCFC) approved the merger with Flushing Financial Corporation, advancing the $1.07 billion all-stock deal announced in April. Shareholder approval clears a critical hurdle for the OceanFirst-Flushing merger, enabling significant expansion of OCFC's footprint in the New York metro area.

6 Apr

5

OceanFirst Financial Corp. and Flushing Financial Corporation announced receipt of requisite shareholder approvals for their pending merger transaction. Shareholder approvals clear a major hurdle for the merger, poised to fundamentally transform OCFC's scale, operations, and competitive position.

stockrow.com/OCFC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com