Pricing Log in Create free account
Saturday 17 October 2026 Export OCFC’s income statement to Excel — free account

OceanFirst Financial Corp.

OCFC Financial Banks Regional

OceanFirst Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $687.2 million, down 0.75% from fiscal 2024. In the quarter to June 2026, revenue grew 32.2%, EPS fell 114.3%, free cash flow grew 27.1% and total debt rose 102.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years.

15.83 0.13 −0.81%
Market cap
$1.6B
P/E
18.6×
Fwd P/E
18.0×
Dividend yield
5.05%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 4.51
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — 3 — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 1,570.00
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 18.62
Fwd P/E 18.00
P/S ratio 1.48
P/B ratio 0.46
Past 5Y EPS Growth 2.78%
This Y EPS Growth 22.58% (at or above 15%: strong)
Next Y EPS Growth 29.50% (at or above 15%: strong)
Next Y revenue growth (13.31%) (below 0%: weak)
Next 5Y EPS Growth 19.64% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.13%
10-year low 10-year high
P/S against its own 10 years 11.65%
10-year low 10-year high
P/B against its own 10 years 0.37%
10-year low 10-year high

Dividends

Payout Ratio 0.94
Annual Dividend Rate 0.80
Annual Dividend Yield 5.05%
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 special payouts not included in total or ratios

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 30.49 30.70 30.90 26.09 25.52 25.76 24.25 24.93 21.87 20.61
People
People Employees 797 684 892 924 987 917 939 899 1,007 954
Revenue/emp, $m 0.19 0.32 0.35 0.38 0.46 0.43 0.52 0.71 0.69 0.72
Income, $m
Income, $m Revenue 154 216 311 351 454 394 490 642 692 687
Gross margin, % 91.44 90.92 88.39 84.95 85.30 90.67 89.05 62.87 55.49 58.93
EBT 35 65 86 107 81 142 194 137 131 93
EBT margin, % 22.88 30.26 27.45 30.59 17.87 36.10 39.55 21.32 18.87 13.46
Net income 23 42 72 89 63 110 147 104 100 71
Depreciation 8 13 19 19 23 25 25 21 14 3
Per share, $
Per share, $ Revenue 6.66 6.72 6.66 7.00 7.57 6.63 8.35 10.88 11.88 11.97
Earnings 1.00 1.32 1.54 1.77 1.02 1.79 2.43 1.70 1.65 1.17
Cash flow 1.45 2.50 1.98 2.00 2.21 2.69 4.26 2.11 1.58 1.52
Capex (0.29) (1.52) (0.03) (0.05) (0.25) (0.71) (0.36) (0.13) (0.07) (0.13)
Free cash flow 1.16 0.98 1.95 1.94 1.97 1.99 3.91 1.98 1.51 1.38
Book value 24.77 18.74 22.22 22.99 24.77 25.53 27.00 28.19 29.21 28.95
Shares, m 23 32 47 50 60 59 59 59 58 57
Valuation, ×
Valuation, × P/E 30.24 19.98 14.91 14.43 18.26 12.40 8.86 10.32 10.97 15.47
P/S 4.49 3.95 3.38 3.65 2.46 3.35 2.58 1.61 1.52 1.50
P/B 1.21 1.42 1.01 1.11 0.75 0.87 0.80 0.62 0.62 0.62
EV/Sales 4.62 5.09 4.80 5.10 0.21 3.46 5.15 3.04 3.21 3.74
EV/FCF 26.58 34.99 16.41 18.36 0.82 11.56 11.00 16.72 25.27 32.31
Cash, $m
Cash, $m Operating cash flow 33 80 93 100 133 160 250 124 92 87
Capex (7) (49) (1) (3) (15) (42) (21) (8) (4) (8)
Free cash flow 27 31 91 98 118 118 230 117 88 80
Balance, $m
Balance, $m Working capital (139) (333) (157) (51) (498) (1,031) 338 (161) 119 142
Total debt 321 356 563 630 253 249 1,428 1,067 1,293 1,674
Net debt 20 247 442 509 (1,019) 44 1,260 914 1,170 1,539
Shareholders’ equity 572 602 1,039 1,153 1,484 1,517 1,585 1,662 1,703 1,663
Returns, %
Returns, % ROA 0.59 0.80 1.11 1.12 0.62 0.91 1.15 0.75 0.71 0.48
ROIC 5.47 5.42 4.74 4.43 13.04 5.76 4.32 3.32 2.88 2.11
ROE 5.69 7.24 8.77 8.08 4.64 7.07 9.19 6.16 5.71 3.99
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

OceanFirst Financial Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
TCBK TriCo Bancshares $1.7B 12.4× 12.0× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00% Compare
BFC Bank First National Corporation $1.6B 19.2× 15.0× +44.08% (above 0%: growing) +29.24% (above 0%: growing) +152.03% (above 0%: growing) 75.87% 0.00% Compare
LOB Live Oak Bancshares, Inc. $1.6B 12.1× 12.7× +6.98% (above 0%: growing) +47.06% (above 0%: growing) −45.86% (below 0%: shrinking) 57.30% 0.00% Compare
QCRH QCR Holdings, Inc. $1.6B 11.6× 11.5× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00% Compare
RBCAA Republic Bancorp, Inc. $1.6B 14.1× 12.4× +1.88% (above 0%: growing) +4.32% (above 0%: growing) −102.32% (below 0%: shrinking) 82.94% 0.00% Compare
OBK Origin Bancorp, Inc. $1.6B 16.0× 12.2× +11.11% (above 0%: growing) +134.04% (above 0%: growing) +57.26% (above 0%: growing) 71.20% 0.00% Compare
OCFC OceanFirst Financial Corp. $1.6B 18.6× 18.0× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00%
CNOB ConnectOne Bancorp, Inc. $1.5B 9.9× 9.4× +32.81% (above 0%: growing) n/m +427.03% (above 0%: growing) 60.53% 0.00% Compare
CASH Pathward Financial, Inc. $1.5B 9.1× 9.2× −3.18% (below 0%: shrinking) −24.73% (below 0%: shrinking) +20.54% (above 0%: growing) 99.41% 0.00% Compare
Median of peers $1.6B 12.2× 12.1× +6.33% +28.65% +38.90% 73.54% 0.00%

All 323 Banks Regional stocks →

OceanFirst Financial Corp. (OCFC) key facts

  • Concern: OceanFirst Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $687.2 million, down 0.75% from fiscal 2024.
  • Concern: Net income was $71.0 million, or $1.17 per share (basic), a net margin of 9.77%.
  • OceanFirst Financial Corp. (OCFC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, OCFC traded at $15.83, a market capitalization of $1.6 billion.
  • At that price the stock trades at 18.6× trailing-twelve-month earnings and 1.5× sales; its P/E is higher than 73% of its own readings over the past ten years.
  • OceanFirst Financial Corp. pays an annual dividend of $0.80 per share, a yield of 5.05%, with a payout ratio of 94.1%.
  • Return on equity was 3.99% and debt-to-equity 0.97.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

OceanFirst Financial Corp. (OCFC) Latest News

1 Jun

Impact 5 ·

6 Apr

Impact 5 ·
stockrow.com/OCFC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com