OceanFirst Financial/$OCFC
1D1W1MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 926
- Headquarters
- Toms River, United States
- Website
- www.oceanfirst.com
OCFC Metrics
BasicAdvanced
$1.8B
35.09
$0.52
0.96
$0.80
4.38%
Price and volume
Market cap
$1.8B
Beta
0.96
52-week high
$20.61
52-week low
$17.05
Average daily volume
953K
Dividend rate
$0.80
Financial strength
Dividend payout ratio (TTM)
95.77%
Profitability
Net profit margin (TTM)
11.20%
Operating margin (TTM)
33.89%
Effective tax rate (TTM)
24.96%
Revenue per employee (TTM)
$460,000
Management effectiveness
Return on assets (TTM)
0.26%
Return on equity (TTM)
2.37%
Valuation
Price to earnings (TTM)
35.092
Price to revenue (TTM)
4.2
Price to book
0.74
Price to tangible book (TTM)
1
Price to free cash flow (TTM)
14.917
Free cash flow yield (TTM)
6.70%
Free cash flow per share (TTM)
1.223
Dividend yield (TTM)
4.38%
Forward dividend yield
4.38%
Growth
Revenue change (TTM)
13.71%
Earnings per share change (TTM)
-63.09%
3-year revenue growth (CAGR)
-0.81%
3-year earnings per share growth (CAGR)
-41.57%
10-year earnings per share growth (CAGR)
-6.52%
10-year dividend per share growth (CAGR)
4.40%
What the Analysts think about OCFC
Analyst ratings (Buy, Hold, Sell) for OceanFirst Financial stock.
Analyst projections of the future price of OceanFirst Financial stock.
Bulls say / Bears say
OceanFirst completed its merger with Flushing Financial on June 1, 2026, concurrently closing a $225 million strategic equity investment from Warburg Pincus and expanding its branch footprint in deposit-rich Long Island and New York City boroughs. (SEC)
On June 26, 2026, OceanFirst sold $1.3 billion of multifamily loans acquired from Flushing at 92.25% of par, reducing rent-regulated exposure to 2.5% of assets and lowering overall commercial real estate concentration to 381%, with proceeds redeployed into liquid, investment-grade securities. (SEC)
In Q1 2026, OceanFirst’s net interest margin widened by 6 basis points to 2.93%, driving net interest income of $96.45 million and supporting stable net income of $20.51 million and $0.36 EPS year-over-year. (Reuters)
OceanFirst posted a net loss of $3.0 million in Q2 2026 due to $42.8 million of non-recurring Flushing merger expenses, contrasting with a year-ago net income of $16.2 million and underscoring near-term earnings drag. (SEC)
Despite recent asset sales, the bank’s commercial real estate concentration remains elevated at 381% of risk-based capital, significantly above community bank peers and exposing OCFC to potential sector stress. (SEC)
The integration of $750.4 million in purchased credit-deteriorated loans from Flushing has inflated OceanFirst’s reported criticized and non-performing loans, complicating credit quality assessment despite management reassurances. (PublicNow)
Data summarised monthly by Lightyear AI. Last updated on 6 Sept 2026.
OCFC Financial Performance
Revenues and expenses
OCFC Earnings Performance
Company profitability
Upcoming events
No upcoming events
OCFC News
AllArticlesVideos
Funds containing OCFC
AllEURUSDGBP
Fund name | Fund size | $OCFC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.02% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
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.