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OceanFirst Financial Corp. logo

OceanFirst Financial Corp.

OCFC

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$19.06

−$0.02 · -0.10%

Aug 21, 4:00 PM ET

OCFC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

63

Undervalued

Momentum

47

Neutral

Sentiment

62

Bullish

Risk resilience

73

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Christopher D. Maher
Listed since
Jul 1, 1996
Employees
926

Market position

Day range

Current $19.06

52-week range

Current $19.06

Open
$19.28
Previous close
$19.08
Volume
729.02K
0.77× average
Average volume
948.78K
Average daily volume
Market cap
1.15B USD
Beta
0.96
Market reference 1
50-day average
$19.2396
-0.93% below average
200-day average
$18.7839
+1.47% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.53B USD
P/E (TTM)
22.51×
P/B (TTM)
0.56×
P/S (TTM)
1.62×
EV / EBITDA
27.13×
Earnings yield
6.89%
Free cash flow yield
7.71%
Dividend yield
4.20%

Profitability & efficiency

Gross margin
54.86%
Operating margin
9.04%
Net margin
6.77%
Return on equity
4.27%
Return on assets
0.49%
Return on invested capital
1.97%

Financial health

Debt / equity
0.95×
Current ratio
0.13×
Altman Z-score
0.13
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%69%36%3%Gross margin, FY2021: 93.59%Gross margin, FY2022: 87.33%Gross margin, FY2023: 59.82%Gross margin, FY2024: 54.09%Gross margin, FY2025: 54.48%Operating margin, FY2021: 36.58%Operating margin, FY2022: 39.96%Operating margin, FY2023: 21.47%Operating margin, FY2024: 18.99%Operating margin, FY2025: 14.11%Net margin, FY2021: 28.31%Net margin, FY2022: 30.21%Net margin, FY2023: 16.33%Net margin, FY2024: 14.55%Net margin, FY2025: 10.83%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.59%. Gross margin FY2022 87.33%. Gross margin FY2023 59.82%. Gross margin FY2024 54.09%. Gross margin FY2025 54.48%. Operating margin FY2021 36.58%. Operating margin FY2022 39.96%. Operating margin FY2023 21.47%. Operating margin FY2024 18.99%. Operating margin FY2025 14.11%. Net margin FY2021 28.31%. Net margin FY2022 30.21%. Net margin FY2023 16.33%. Net margin FY2024 14.55%. Net margin FY2025 10.83%.

Income trends

Revenue

655.6M USD-4.70%

Operating income

92.52M USD-29.19%

Net income

70.98M USD-29.07%
Income trends across reported periods749.65M USD502.86M USD256.07M USD9.28M USDRevenue, FY2021: 388.84M USDRevenue, FY2022: 485.3M USDRevenue, FY2023: 636.96M USDRevenue, FY2024: 687.95M USDRevenue, FY2025: 655.6M USDOperating income, FY2021: 142.24M USDOperating income, FY2022: 193.92M USDOperating income, FY2023: 136.77M USDOperating income, FY2024: 130.66M USDOperating income, FY2025: 92.52M USDNet income, FY2021: 110.08M USDNet income, FY2022: 146.6M USDNet income, FY2023: 104.03M USDNet income, FY2024: 100.07M USDNet income, FY2025: 70.98M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 388.84M USD. Revenue FY2022 485.3M USD. Revenue FY2023 636.96M USD. Revenue FY2024 687.95M USD. Revenue FY2025 655.6M USD. Operating income FY2021 142.24M USD. Operating income FY2022 193.92M USD. Operating income FY2023 136.77M USD. Operating income FY2024 130.66M USD. Operating income FY2025 92.52M USD. Net income FY2021 110.08M USD. Net income FY2022 146.6M USD. Net income FY2023 104.03M USD. Net income FY2024 100.07M USD. Net income FY2025 70.98M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue655.6M USD687.95M USD636.96M USD485.3M USD388.84M USD
Cost of goods sold298.4M USD315.83M USD255.92M USD61.47M USD24.92M USD
Gross profit357.2M USD372.12M USD381.04M USD423.83M USD363.92M USD
Selling, general, and administrative20.74M USD14.65M USD151.2M USD142.22M USD128.34M USD
Operating expenses264.68M USD241.47M USD244.27M USD229.91M USD221.68M USD
Interest income642.45M USD642.17M USD607.97M USD431.18M USD342.09M USD
Interest expense282.23M USD308.14M USD238.24M USD53.7M USD36.75M USD
Depreciation and amortization758K USD14.54M USD16.4M USD16.43M USD14.85M USD
Operating income92.52M USD130.66M USD136.77M USD193.92M USD142.24M USD
Net income70.98M USD100.07M USD104.03M USD146.6M USD110.08M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+2.20%
11 comparable reports
Latest EPS result
0.43
Estimate 0.43 · Beat by 0.47%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.470.40.340.27Q1 '25BeatQ2 '25MetQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 0.38, estimate 0.368, surprise +3.18%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.35, estimate 0.35, surprise 0.00%, Met estimate. Q3 2025, reported Jul 24, 2025: actual 0.31, estimate 0.33, surprise -6.06%, Miss. Q4 2025, reported Oct 22, 2025: actual 0.36, estimate 0.34, surprise +5.88%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.41, estimate 0.39, surprise +5.13%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.43, estimate 0.39, surprise +10.26%, Beat. Q3 2026, reported Jul 30, 2026: actual 0.43, estimate 0.428, surprise +0.47%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 0.43, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates187.59M154.13M120.67M87.21MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 94.43M USD, estimate 95.08M USD, surprise -0.69%, Miss. Q2 2025, reported Apr 24, 2025: actual 96.74M USD, estimate 95.63M USD, surprise +1.16%, Beat. Q3 2025, reported Jul 24, 2025: actual 96.33M USD, estimate 105M USD, surprise -8.26%, Miss. Q4 2025, reported Oct 22, 2025: actual 101.79M USD, estimate 104.85M USD, surprise -2.92%, Miss. Q1 2026, reported Jan 22, 2026: actual 104.69M USD, estimate 103.16M USD, surprise +1.49%, Beat. Q2 2026, reported Apr 23, 2026: actual 103.2M USD, estimate 104.52M USD, surprise -1.27%, Miss. Q3 2026, reported Jul 30, 2026: actual 131.33M USD, estimate 135.63M USD, surprise -3.17%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 180.38M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$19.00

0.31% downside
Past 12 months12-month forecastHigh $19.00Average $19.00Low $19.00

Rating distribution

8 ratings
Strong buy113%
Buy225%
Hold563%
Sell00%
Strong sell00%

Recent analyst actions

5 institutions

OCFC news

seekingalpha.com

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

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

Read source
marketbeat.com

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…

Read source
seekingalpha.com

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…

Read source
zacks.com

OceanFirst Financial (OCFC) Q2 Earnings and Revenues Top Estimates

OceanFirst Financial (OCFC) came out with quarterly earnings of $0.43 per share, beating the Zacks Consensus Estimate of $0.42 per share. This compares to earnings of $0.31 per share a year ago.

Read source
zacks.com

OceanFirst (OCFC) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

The headline numbers for OceanFirst (OCFC) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago…

Read source
globenewswire.com

OceanFirst Financial Corp. Announces Second Quarter Financial Results

RED BANK, N.J., July 30, 2026 (GLOBE NEWSWIRE) -- OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst Bank N.A.

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.80

2025 complete year+17.6% since 2021

2026 partial: $0.60

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 10, 2026

$0.20

Quarterly

Record Aug 10, 2026 · Payment Aug 21, 2026

Dividend

Ex-dividend Apr 27, 2026

$0.20

Quarterly

Record Apr 27, 2026 · Payment May 8, 2026

Dividend

Ex-dividend Feb 2, 2026

$0.20

Quarterly

Record Feb 2, 2026 · Payment Feb 13, 2026

Dividend

Ex-dividend Nov 3, 2025

$0.20

Quarterly

Record Nov 3, 2025 · Payment Nov 14, 2025

Dividend

Ex-dividend Aug 4, 2025

$0.20

Quarterly

Record Aug 4, 2025 · Payment Aug 15, 2025

Dividend

Ex-dividend May 5, 2025

$0.20

Quarterly

Record May 5, 2025 · Payment May 16, 2025

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ETFs holding OCFC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
50.22M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
40.31M
Weight
0.05%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
19.12M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
17.94M
Weight
0.44%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
14.62M
Weight
0.23%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
12.18M
Weight
0.08%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
10.73M
Weight
0.13%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
9.18M
Weight
0.05%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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