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
13.75
$1.30
1.09
$0.80
4.48%
Price and volume
Market cap
$1B
Beta
1.09
52-week high
$21.12
52-week low
$14.29
Average daily volume
455K
Dividend rate
$0.80
Financial strength
Dividend payout ratio (TTM)
61.98%
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)
13.749
Price to revenue (TTM)
2.722
Price to book
0.62
Price to tangible book (TTM)
0.92
Price to free cash flow (TTM)
11.903
Free cash flow yield (TTM)
8.40%
Free cash flow per share (TTM)
1.5
Dividend yield (TTM)
4.48%
Forward dividend yield
4.48%
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 increased its net interest margin to 2.91% in Q2 2025 from 2.71% a year prior, as lower funding costs more than offset yield declines, resulting in higher net interest income. (GlobeNewswire)
Total loans rose by $372.9 million in Q3 2025, a 14% annualized growth mainly due to a 74% jump in commercial originations, showing strong lending momentum. (GlobeNewswire)
The commercial loan pipeline hit a record $375.6 million in Q1 2025, up 90% from the previous quarter, positioning the bank for ongoing growth in high-yield lending. (StockTitan)
Q2 net income declined to $16.2 million for the quarter ending June 30, 2025, compared to $23.4 million a year earlier, indicating continued profitability challenges. (GlobeNewswire)
Q2 2025 operating expenses increased substantially to $71.5 million, a 22% rise year-over-year, driven by elevated compensation and professional fees tied to hiring in commercial banking and recent acquisitions. (StockTitan)
OceanFirst incurred $4.1 million in restructuring charges in Q3 2025 for its residential outsourcing initiatives and anticipates an additional $8 million next quarter, which will pressure near-term earnings. (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 3 Nov 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.
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FAQs
What’s the current market cap for OceanFirst Financial stock?
OceanFirst Financial (OCFC) has a market cap of $1B as of November 09, 2025.
What is the P/E ratio for OceanFirst Financial stock?
The price to earnings (P/E) ratio for OceanFirst Financial (OCFC) stock is 13.75 as of November 09, 2025.
Does OceanFirst Financial stock pay dividends?
Yes, the OceanFirst Financial (OCFC) stock pays dividends to shareholders. As of November 09, 2025, the dividend rate is $0.8 and the yield is 4.48%. OceanFirst Financial has a payout ratio of 61.98% 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 1.09. 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.