OceanFirst Financial/$OCFC
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
About OceanFirst Financial
OceanFirst Financial Corp is engaged in the banking sector of the United States. It conducts the business of attracting retail and business deposits and investing them in loans, consisting of single-family, owner-occupied residential mortgage loans, and commercial real estate loans. The company's sole segment deals with the delivery of loan and deposit products to customers. The bank's revenues are derived principally from interest on its loans, and to a lesser extent, interest on its investment and mortgage-backed securities. The rest of its income is dependent on bank card services and wealth management products and services.
Ticker
$OCFC
Sector
Primary listing
Employees
1,003
Headquarters
Website
OCFC Metrics
BasicAdvanced
$1.1B
14.39
$1.30
1.00
$0.80
4.28%
Price and volume
Market cap
$1.1B
Beta
1
52-week high
$21.12
52-week low
$14.29
Average daily volume
408K
Dividend rate
$0.80
Financial strength
Profitability
Net profit margin (TTM)
21.08%
Operating margin (TTM)
31.83%
Effective tax rate (TTM)
22.17%
Revenue per employee (TTM)
$380,000
Management effectiveness
Return on assets (TTM)
0.58%
Return on equity (TTM)
4.78%
Valuation
Price to earnings (TTM)
14.388
Price to revenue (TTM)
2.848
Price to book
0.65
Price to tangible book (TTM)
0.96
Dividend yield (TTM)
4.28%
Forward dividend yield
4.28%
Growth
Revenue change (TTM)
-0.63%
Earnings per share change (TTM)
-25.40%
3-year revenue growth (CAGR)
-0.99%
3-year earnings per share growth (CAGR)
-11.89%
10-year earnings per share growth (CAGR)
0.80%
3-year dividend per share growth (CAGR)
2.63%
10-year dividend per share growth (CAGR)
4.40%
What the Analysts think about OCFC
Analyst ratings (Buy, Hold, Sell) for OceanFirst Financial stock.
Bulls say / Bears say
OceanFirst’s Premier Banking initiative onboarded nine new teams in Q2, producing $115 million in new deposits at a weighted average cost of 2.71% and opening 670 new accounts, demonstrating progress in deposit growth. (Investing.com)
Net interest margin grew by 21 basis points to 2.90% in Q1 2025 compared to Q4 2024 and improved further to 2.91% in Q2, highlighting successful deposit repricing and lower funding costs. (GuruFocus News)
Commercial and industrial loans expanded 6.1% quarter-over-quarter in Q1 2025, while the total commercial loan pipeline surged by 90% to $375.6 million, highlighting strong demand for lending. (OceanFirst Financial Corp.)
Net income in Q2 2025 fell to $16.2 million (EPS $0.28), down from $23.4 million (EPS $0.40) in Q2 2024, reflecting a considerable year-over-year decline in earnings. (Nasdaq)
Provision for credit losses surged to $5.3 million in Q1 2025 from $591,000 a year earlier, as heightened macroeconomic uncertainty drove the allowance for loan losses up to 0.78% of total loans. (OceanFirst Financial Corp.)
The efficiency ratio rose to 71.93% in Q2 2025 from 62.86% in the prior year, indicating higher operating costs as a portion of revenue. (OceanFirst Financial Corp.)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.
OCFC Financial Performance
Revenues and expenses
OCFC Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
FAQs
What’s the current market cap for OceanFirst Financial stock?
OceanFirst Financial (OCFC) has a market cap of $1.1B as of October 25, 2025.
What is the P/E ratio for OceanFirst Financial stock?
The price to earnings (P/E) ratio for OceanFirst Financial (OCFC) stock is 14.39 as of October 25, 2025.
Does OceanFirst Financial stock pay dividends?
Yes, the OceanFirst Financial (OCFC) stock pays dividends to shareholders. As of October 25, 2025, the dividend rate is $0.8 and the yield is 4.28%. OceanFirst Financial has a payout ratio of 0% on a trailing twelve-month basis.
When is the next OceanFirst Financial dividend payment date?
The next OceanFirst Financial (OCFC) dividend payment is scheduled for November 14, 2025.
What is the beta indicator for OceanFirst Financial?
OceanFirst Financial (OCFC) has a beta rating of 1. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.