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OceanFirst Financial Corp (OCFC) stock analysis

OCFCNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 11/30
$18.24+0.16 (+0.88%)

Close on Nov 11, 2026Market cap $1.76BP/E 25.3Yield 4.39%

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth1Performance1Health3Dividend5

Mixed11 of 30 checks passed

OceanFirst Financial passes 11 of the 30 checks behind our score; 8 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
1/6
Past performance
1/6
Financial health
3/6
Dividend
5/6

What stands out

  • Earnings grew over 5 years

    Net income grew 2.3% a year on average over the last five fiscal years.

  • Covered by free cash flow

    Dividends take 24.8% of free cash flow.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 8 fiscal years.

  • Loans funded by deposits

    Loans equal 90.1% of deposits, so lending is funded by customer deposits.

What to watch

  • Return on equity under 15%

    Return on equity was 2.8% over the last twelve months and averaged 6.7% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -2.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -21.5% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -41.1% over the last twelve months, against a 5-year average of 2.3% a year.

Valuation1/6

  • P/E above its 5-year median

    OceanFirst Financial's P/E of 25.3 is above its own 5-year median of 11.2.

  • P/E above the industry

    OceanFirst Financial's P/E of 25.3 is above the Commercial Banks median of 12.1.

  • P/S below the industry

    OceanFirst Financial's price-to-sales of 3.36 is below the Commercial Banks median of 3.60.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew -2.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -21.5% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -41.1% over the last twelve months, against a 5-year average of 2.3% a year.

  • Growing faster than the industry

    Revenue grew 32.5% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity under 15%

    Return on equity was 2.8% over the last twelve months and averaged 6.7% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.2%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    OceanFirst Financial's return on equity of 2.8% is below the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 2.3% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 9.0% over the last twelve months, against a 5-year average of 26.8%.

  • Net margin below the industry

    OceanFirst Financial's net margin of 9.0% is below the Commercial Banks median of 30.3%.

Financial health3/6

  • Well capitalized

    Needs equity and total assets.

  • Loans funded by deposits

    Loans equal 90.1% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.3% of loans; we look for at least 1%.

  • Efficient operations

    Needs non-interest expense and revenue.

  • Deposits growing

    Deposits grew 73.2% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend5/6

  • Pays a dividend

    OceanFirst Financial paid dividends worth 4.4% of the share price over the last twelve months.

  • Yield above Treasuries

    The 4.4% yield is above the 4.4% on a 1-year Treasury.

  • Yield in the top quarter

    The top quarter of US dividend payers yield 3.8% or more; OceanFirst Financial yields 4.4%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 8 fiscal years.

  • Not covered by earnings

    Dividends take 115% of net income, leaving little room.

  • Covered by free cash flow

    Dividends take 24.8% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for OceanFirst Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 11.2
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$21.26M
Value traded per 1% price move
$15.54M

Downside

Low risk

Typical loss in a bad month
13.0%
Volatility (annualized)
27%
Sharpe ratio, 1 year
-0.11
Beta to the S&P 500 (5Y)
0.80

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

17.5%+1.2 pts over 5 years

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