OceanFirst Financial/$OCFC
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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
$1B
12.86
$1.41
1.02
$0.80
4.42%
Price and volume
Market cap
$1B
Beta
1.02
52-week high
$21.12
52-week low
$14.29
Average daily volume
284K
Dividend rate
$0.80
Financial strength
Dividend payout ratio (TTM)
57.85%
Profitability
Net profit margin (TTM)
23.29%
Operating margin (TTM)
34.05%
Effective tax rate (TTM)
22.23%
Revenue per employee (TTM)
$370,000
Management effectiveness
Return on assets (TTM)
0.66%
Return on equity (TTM)
5.29%
Valuation
Price to earnings (TTM)
12.859
Price to revenue (TTM)
2.794
Price to book
0.63
Price to tangible book (TTM)
0.94
Price to free cash flow (TTM)
26.78
Free cash flow yield (TTM)
3.73%
Free cash flow per share (TTM)
0.677
Dividend yield (TTM)
4.42%
Forward dividend yield
4.42%
Growth
Revenue change (TTM)
0.00%
Earnings per share change (TTM)
-15.06%
3-year revenue growth (CAGR)
0.54%
3-year earnings per share growth (CAGR)
-5.09%
10-year earnings per share growth (CAGR)
1.28%
3-year dividend per share growth (CAGR)
4.06%
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
Net interest margin widened to 2.91% in Q2 2025 from 2.71% a year ago, pushing net interest income up 6.4% to $87.6 million.
The commercial loan pipeline set a new record at $791 million at quarter-end, up 111% sequentially, supporting robust future loan growth.
The Premier Banking initiative has already brought in $115 million in new deposits across about 200 relationships, showcasing successful funding diversification.
EPS fell to $0.28 in Q2 2025, below the consensus estimate of $0.33 and down 30% year-over-year, highlighting a significant drop in profitability.
The efficiency ratio worsened to 71.93% in Q2 2025, compared to 62.86% a year earlier, indicating that operating expenses are rising faster than revenue.
Net loan charge-offs climbed 47% year-over-year to $2.2 million, and non-performing assets rose 23% to $41.2 million, suggesting mounting credit quality concerns.
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 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
No upcoming events
FAQs
What’s the current market cap for OceanFirst Financial stock?
OceanFirst Financial (OCFC) has a market cap of $1B as of September 14, 2025.
What is the P/E ratio for OceanFirst Financial stock?
The price to earnings (P/E) ratio for OceanFirst Financial (OCFC) stock is 12.86 as of September 14, 2025.
Does OceanFirst Financial stock pay dividends?
Yes, the OceanFirst Financial (OCFC) stock pays dividends to shareholders. As of September 14, 2025, the dividend rate is $0.8 and the yield is 4.42%. OceanFirst Financial has a payout ratio of 57.85% on a trailing twelve-month basis.
When is the next OceanFirst Financial dividend payment date?
The next OceanFirst Financial (OCFC) dividend payment date is unconfirmed.
What is the beta indicator for OceanFirst Financial?
OceanFirst Financial (OCFC) has a beta rating of 1.02. 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.