OceanFirst Financial Corp.

OCFC • Banks - Regional

$19.43

▲ +0.15 (+0.78%)

Current price

EarningsLatest report: Mar 31, 2026

BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.

Market Cap

$1.11B

Growth

6.9%

Cash Flow

5/5

Trend

Stable

Evidence

Stable or improving margins · 10.8%Positive revenue growth · 14.9%Positive free cash flow · 1.38Consistent free cash flow · 5/5Reasonable earnings multiple · 14.52

Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Apr 23, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:36 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$19.43

Change0.78%

Shares Out57.05M

Market Cap$1.11B

Enterprise Value$1.29B

52W Range16.09 - 20.61

Beta0.97

P/E15.84

P/S1.67

P/B0.66

P/FCF10.42

EV/Sales1.95

Price$19.43

Change0.78%

Shares Out57.05M

Market Cap$1.11B

Enterprise Value$1.29B

52W Range16.09 - 20.61

Beta0.97

P/E15.84

P/S1.67

P/B0.66

P/FCF10.42

EV/Sales1.95

EV/EBITDA13.13

EV/FCF12.15

Earnings Yield6.31%

FCF Yield9.60%

Dividend Yield4.23%

Gross Margin54.48%

Oper. Margin14.11%

Profit Margin10.83%

Debt/Eq0.98

Current Ratio0.13

Quick Ratio0.13

Revenue 5Y6.87%

FCF 5Y12.80%

Target$19.00

Target Upside-2.21%

Target Median$19.00

Target Range19.00 - 19.00

Volume1.21M

Avg Volume905.35K

EPS Surprise0.04

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

59/100

Financial Strength

Debt, cash, stability

32/100

Growth Potential

Revenue and expansion

58/100

Price Attractiveness

Cheap or expensive today

75/100

Why this score▼

Stable or improving margins · 10.8%Positive revenue growth · 14.9%Positive free cash flow · 1.38Consistent free cash flow · 5/5Reasonable earnings multiple · 14.52Weak liquidity · 0.13

Analyst view

Analyst sentiment and price target

OCFC

Analyst sentiment

Based on 8 analyst votes · 2026-09-05

69/100

Neutral

Bullish

Hold

Bearish

Price Target

2026-07-01

Low

$19.00

Mean

$19.00

Median

$19.00

High

$19.00

Company Overview

IPO: 7/1/1996

Industry: Banks - Regional

P/B i: 0.66

Debt / Equity i: 0.98

Operating Margin: 14.11%

Net Margin: 10.83%

ROE i: -

ROIC: -

Financial Health

Score6 / 20

Debt / Equity: 0.98

Current Ratio: 0.13

Quick Ratio: 0.13

Status: Weak

Warnings

Weak Liquidity
Weak quick ratio

Insider Transactions

Recent executive and insider activity

WARBURG PINCUS LLC

Transaction: 06/01/2026

OTHER

Change

—

Price

Not reported

Filing

06/09/2026

Type

OTHER

WARBURG PINCUS LLC

Transaction: 06/01/2026

OTHER

Change

Price

Not reported

Filing

06/09/2026

Type

OTHER

WARBURG PINCUS LLC

Transaction: 06/01/2026

OTHER

Change

Price

Not reported

Filing

06/09/2026

Type

OTHER

Insider	Type	Change	Price	Transaction	Filing
WARBURG PINCUS LLC	OTHER	—	Not reported	06/01/2026	06/09/2026
WARBURG PINCUS LLC	OTHER	0	Not reported	06/01/2026	06/09/2026
WARBURG PINCUS LLC	OTHER	0	Not reported	06/01/2026	06/09/2026
BURAN JOHN R	OTHER	0	Not reported	06/01/2026	06/03/2026
DelliBovi Alfred A	OTHER	0	Not reported	06/01/2026	06/03/2026
DIorio Steven J	OTHER	0	Not reported	06/01/2026	06/03/2026
GRASSI LOUIS C	OTHER	0	Not reported	06/01/2026	06/03/2026
Han Sam Sang Ki	OTHER	0	Not reported	06/01/2026	06/03/2026
Yoh Caren C	OTHER	0	Not reported	06/01/2026	06/03/2026
Schell Todd	OTHER	0	Not reported	06/01/2026	06/03/2026
Chong Patrick	OTHER	0	Not reported	02/23/2026	03/11/2026
Maher Christopher	SELL	-14,147	$18.58	03/04/2026	03/06/2026
Lebel Joseph III	SELL	-9,499	$18.58	03/04/2026	03/06/2026
Barrett Patrick Sean	SELL	-5,643	$18.48	03/04/2026	03/06/2026
Berninger David	SELL	-3,541	$18.58	03/04/2026	03/06/2026
ESTEP MICHELE B	SELL	-4,629	$18.58	03/04/2026	03/06/2026
Tsimbinos Steven James	SELL	-4,629	$18.58	03/04/2026	03/06/2026
Schaeffer Brian	SELL	-1,837	$18.58	03/04/2026	03/06/2026
Maher Christopher	SELL	-34,149	Not reported	03/01/2026	03/03/2026
Lebel Joseph III	SELL	-31,303	Not reported	03/01/2026	03/03/2026

About the Company

OceanFirst Financial Corp.

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard services, trust and asset management products and services, deposit account services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The company was founded in 1902 and is headquartered in Toms River, New Jersey.

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Peers

CFR CNOB FSUN OBK OSBC PEBO PFBC QCRH TMP WABC

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

OceanFirst Financial Corp. $OCFC Shares Acquired by Bank of America Corp DE

Bank of America Corp DE boosted its position in shares of OceanFirst Financial Corp. (NASDAQ: OCFC) by 16.1% in the quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 493,623 shares of the savings and loans company's stock after buying an additional 68,347 shares

Defense World

OceanFirst Financial Corp. (OCFC) Q2 2026 Earnings Call Transcript

Seeking Alpha

OceanFirst Financial Q2 Earnings Call Highlights

OceanFirst Financial NASDAQ: OCFC reported a second-quarter GAAP net loss of $0.04 per diluted share after recording $33.6 million of after-tax merger-related expenses tied to its acquisition of Flushing Financial Corporation. On a core basis, excluding non-recurring items, the company earned $0.43 per share, or $30.5 million, unchanged from the prior quarter and 39% above the prior-year period.

MarketBeat

OceanFirst Financial: Merger Complete, Great Dividend Yield

OceanFirst Financial Corp. remains Buy-rated following its transformative acquisition of Flushing Financial, scaling assets to $23.3 billion and expanding its New York metro presence. Q2 2026 results showed adjusted earnings of $0.43 per share, in line with expectations, with strong organic loan and deposit growth despite headline GAAP losses from merger costs. Net interest margin expanded to 3.05%, while credit quality and core return metrics improved, reflecting disciplined management and a resilient commercial focus.

Seeking Alpha

OceanFirst Financial (OCFC) Q2 Earnings and Revenues Top Estimates

OceanFirst Financial (OCFC) came out with quarterly earnings of $0.43 per share, beating the Zacks Consensus Estimate of $0.42 per share. This compares to earnings of $0.31 per share a year ago.

Zacks Investment Research

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-23	0.39	0.43	0.04
2026-01-22	0.39	0.41	0.02
2025-10-22	0.34	0.36	0.02
2025-07-24	0.33	0.31	-0.02
2025-04-24	0.35	0.35	0
2025-01-24	0.3683	0.38	0.0117
2024-10-17	0.38	0.39	0.01
2024-07-18	0.43	0.39	-0.04
2024-04-18	0.41	0.44	0.03
2024-01-18	0.43	0.45	0.02
2023-10-19	0.35	0.32	-0.03
2023-07-20	0.47	0.46	-0.01