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
39.12
$0.47
1.00
$0.80
4.36%
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)
39.12
Price to revenue (TTM)
3.61
Price to book
0.77
Price to tangible book (TTM)
1.03
Dividend yield (TTM)
4.36%
Forward dividend yield
4.36%
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 rose to $0.48 per diluted share from $0.43 in the prior quarter, while net interest margin reached 3.18%. Even excluding a one-off loan recovery, the margin was 3.08%, and management expects asset repricing to support further improvement. (OceanFirst Bank N.A., The Motley Fool)
The combined bank is showing organic momentum: loans grew at a 5% annualised rate and deposits rose by $319 million in the quarter. Commercial loan originations increased 15%, giving the larger franchise a platform for further relationship-led growth. (OceanFirst Bank N.A.)
OceanFirst completed its Flushing systems integration in September, with cost savings expected to begin in the fourth quarter and reach their full run rate in early 2027. If delivered, those savings could improve efficiency after a costly integration period. (OceanFirst Bank N.A.)
Reported earnings remain weak despite stronger adjusted results: third-quarter net income to common shareholders was $16.5 million, down from $17.3 million a year earlier, and nine-month earnings fell to $33.9 million from $54.0 million. Merger costs weighed on the quarter, so the expected recovery depends on savings being realised. (OceanFirst Bank N.A.)
Credit metrics worsened after the Flushing deal: non-performing loans reached 0.85% of loans and criticised or classified loans were about 3.13%. Much of the increase is in acquired loans, but resolving those exposures still creates uncertainty for credit costs and earnings. (OceanFirst Bank N.A.)
Funding costs are rising: the quarterly cost of deposits increased 11 basis points to 2.17%, while the headline margin included one-off benefits and was 3.08% excluding them. Management also expects deposit costs to rise further, which could constrain the margin tailwind from loan repricing. (OceanFirst Bank N.A., The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 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 | $1.8B | 0.85% |
SPDR S&P Global Dividend Aristocrats$GLDV | $1.8B | 0.85% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.06% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.06% |
SPDR MSCI USA Small Cap Value Weighted$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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