OceanFirst Financial/$OCFC
1D1W1M3M6MYTD1Y5YMAX
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
38.27
$0.47
1.00
$0.80
4.46%
Price and volume
Market cap
$1.8B
Beta
1
52-week high
$20.61
52-week low
$15.60
Average daily volume
1.2M
Dividend rate
$0.80
Financial strength
Profitability
Net profit margin (TTM)
9.23%
Operating margin (TTM)
37.68%
Effective tax rate (TTM)
33.63%
Revenue per employee (TTM)
$550,000
Management effectiveness
Return on assets (TTM)
0.25%
Return on equity (TTM)
2.32%
Valuation
Price to earnings (TTM)
38.266
Price to revenue (TTM)
3.531
Price to book
0.75
Price to tangible book (TTM)
1.01
Dividend yield (TTM)
4.46%
Forward dividend yield
4.46%
Growth
Revenue change (TTM)
34.63%
Earnings per share change (TTM)
-63.91%
3-year revenue growth (CAGR)
6.70%
3-year earnings per share growth (CAGR)
-39.61%
10-year earnings per share growth (CAGR)
-7.92%
10-year dividend per share growth (CAGR)
4.01%
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
Core earnings per diluted share rose to $0.48, up 54% from the previous quarter and 131% year on year, while net interest margin widened to 3.18%. Even excluding a one-off recovery, management reported a 3.08% margin. (OceanFirst Financial, StockAnalysis)
Loans grew by $216 million in the third quarter, a 5% annualised rate, and deposits rose by $319 million. Commercial originations also increased 15% from the previous quarter, giving the enlarged bank a growing base for future income. (OceanFirst Financial)
OceanFirst completed its core system conversion in September, and management expects savings to start in the fourth quarter, with the full run-rate of cost reductions in the first quarter of 2027. Successful delivery could lift earnings as merger-related costs fade. (StockAnalysis)
Reported profitability remains weak: third-quarter diluted EPS was $0.17, down from $0.30 a year earlier, and the nine-month figure fell to $0.45 from $0.94. The quarter also included $37.1 million of merger costs, showing the near-term earnings drag from the Flushing deal. (OceanFirst Financial)
Credit risks rose after the Flushing acquisition: non-performing loans reached $140.7 million, or 0.85% of loans, versus $27.8 million at year-end, while criticised and classified loans climbed to $529.6 million. The acquired portfolio therefore leaves the bank exposed to further credit deterioration. (OceanFirst Financial)
Deposit costs rose 11 basis points quarter on quarter to 2.17%, which could limit further margin gains. The reported 3.18% net interest margin also included 16 basis points of purchase-accounting accretion, so some of its strength may not persist as those benefits run off. (OceanFirst Financial)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
OCFC Financial Performance
Revenues and expenses
OCFC Earnings Performance
Company profitability
Upcoming events
OCFC News
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Funds containing OCFC
Fund name | Fund size | $OCFC weighting |
|---|---|---|
SPDR S&P Global Dividend Aristocrats£GBDV | $1.8B | 0.82% |
SPDR S&P Global Dividend Aristocrats$GLDV | $1.8B | 0.82% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.05% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.05% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.04% |
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.
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