OCEANFIRST FINANCIAL CORP

OCFCNASDAQ

🏆 #2470 by market capUS Equity

$952.29▲ $18.76 (+1.97%)

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🏦Market Cap

$1.01B

Small Cap

📈Revenue Growth (YoY)

-4.7%

Declining

📊Gross Margin

54.9%

Healthy

💵FCF Margin

15.9%

Healthy

⚖️P/S Ratio

1.4x

Cheap

Otter Score

Good

No chart data available for OCFC.

Trading Snapshot

Day Range: $946.39 – $962.09
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): −1.9%

Why Investors Own OCFC

✓High-growth profile — revenue up +37.4% YoY with expanding US Equity exposure.
✓Healthy economics — 67% gross margin and 27% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

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

OCEANFIRST FINANCIAL CORP

OCFC

Financial Trends

Revenue

$656M▼ −4.7% YoY

Gross Margin

54.5%▲ +0.7% YoY

Operating Income

$93M▼ −29.2% YoY

Free Cash Flow

$80M▼ −6.1% YoY

Shares Outstanding

57.0M▼ −1.9% YoY

Net Cash

−$1.5B▼ −$364M YoY

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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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