OCFC logo

OCEANFIRST FINANCIAL CORP

OCFCNASDAQ
πŸ† #2470 by market capEarnings Oct 28US Equity
$16.67β–Ό $0.05 (βˆ’0.30%)
πŸŒ™ After hours$16.67β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
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24hβ–Ό 0.3%
7dβ–Ό 4.1%
14dβ–Ό 10.5%
30dβ–Ό 11.8%
ytdβ–Ό 7.1%
1yβ–Ό 5.2%
🏦Market Cap
$1.01B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-4.7%
Declining
πŸ“ŠGross Margin
54.9%
Healthy
πŸ’΅FCF Margin
15.9%
Healthy
βš–οΈP/S Ratio
1.4x
Cheap
Otter Score
76
Good

Trading Snapshot

Day Range
$16.57 – $16.84
52-Week Range
$16.66 – $20.61
Volume
$3.30B
Avg Volume
$2.87B
Shares Outstanding
60.3M
Next Earnings
Nov 23, 2026

Fundamentals Snapshot

Annual Revenue
$656M
Last Q Revenue
$210M
P/E Ratio
19.7
P/S Ratio
1.4x
EPS (TTM)
$0.68
Dividend Yield
4.78%
Dilution (1yr)
βˆ’1.9%

Why Investors Own OCFC

  • βœ“High-growth profile β€” revenue up +37.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 67% gross margin and 27% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

OCFC logo

OCEANFIRST FINANCIAL CORP

OCFC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$656Mβ–Ό βˆ’4.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
54.5%β–² +0.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$93Mβ–Ό βˆ’29.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$80Mβ–Ό βˆ’6.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
57.0Mβ–Ό βˆ’1.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$1.5Bβ–Ό βˆ’$364M YoY
StockOtter Β· stockotter.space

About OCEANFIRST FINANCIAL CORP

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard services, trust and asset management products and services, deposit account services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The company was founded in 1902 and is headquartered in Toms River, New Jersey.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$20.60
β–² +23.6% Upside
High Target$23.38
Low Target$16.18
Based on 25 analysts

Latest News & Updates

Defense WorldΒ·14d ago

Head to Head Analysis: Hancock Whitney (NASDAQ:HWC) and OceanFirst Financial (NASDAQ:OCFC)

Hancock Whitney (NASDAQ: HWC - Get Free Report) and OceanFirst Financial (NASDAQ: OCFC - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the streng

The Motley FoolΒ·21d ago

OceanFirst Financial CIO Sells 5,500 Shares at $18.91

The sale was valued at $104,005. The transaction size equaled 6% of the equity stake held by the insider before the filing.

Defense WorldΒ·Aug 25

OceanFirst Financial Corp. $OCFC Shares Acquired by Bank of America Corp DE

Bank of America Corp DE boosted its position in shares of OceanFirst Financial Corp. (NASDAQ: OCFC) by 16.1% in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission.

Seeking AlphaΒ·Jul 31

OceanFirst Financial Corp. (OCFC) Q2 2026 Earnings Call Transcript

OceanFirst Financial Corp. (OCFC) Q2 2026 Earnings Call Transcript

MarketBeatΒ·Jul 31

OceanFirst Financial Q2 Earnings Call Highlights

OceanFirst Financial NASDAQ: OCFC reported a second-quarter GAAP net loss of $0.04 per diluted share after recording $33.6 million of after-tax merger-related expenses tied to its acquisition of Flushing Financial Corpor

Seeking AlphaΒ·Jul 31

OceanFirst Financial: Merger Complete, Great Dividend Yield

OceanFirst Financial Corp. remains Buy-rated following its transformative acquisition of Flushing Financial, scaling assets to $23.3 billion and expanding its New York metro presence. Q2 2026 results showed adjusted earn