OceanFirst Financial Corp.
OCFC · Price history
Price at last available close
$17.68
+$1.01 (+6.06%) 1M
2026-10-28
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Company & revenue
About OceanFirst Financial Corp.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
OceanFirst Financial Corp. operates as a regional community bank holding company. Its business model relies primarily on net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowings, supplemented by non-interest income from services such as trust management, bankcard services, and deposit account fees.
Products & services
The company provides a range of financial products including commercial and retail banking, commercial lending, real estate lending, consumer financing, trust and asset management services, and bankcard services.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
- Regional community banking presence in attractive metropolitan marketsSource
Risks
- Competition from larger financial institutions with greater resourcesSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Quarterly EPS turned negative at -0.04 versus 0.28 a year earlier.
Separate recurring operating losses from noncash or one-time charges, and check cash flow rather than interpreting negative EPS as a cash-outflow amount.
Quarterly net income turned from a profit to a loss versus the same quarter last year.
Identify the causes in the interim report and distinguish operating cash use from accounting charges. Prior profitability is not a guarantee of recovery.
Diluted weighted-average shares increased 21.3% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Total debt increased 90.9% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
40
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
28
Poor
Financial Strength
24
Business Quality / Moat
24
Management
8
Growth Quality
47
Risk / Durability
59
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
57
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
52/100
Building Historical Record
Model Score 52/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •M&A headline · Jul 31, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for OCFC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can OCFC maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is OCFC's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is OCFC's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is OCFC's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of OCFC's score?
Essential Investment Snapshot
Wall Street Score
40
Opportunity Score
57
Market Cap
$1.71B
P/E Ratio
19.1
EPS
$0.85
52-Week High
$20.61
52-Week Low
$15.98
Beta
1.00
Intrinsic Value
$25.06
Analyst Target
$18.00
Shares Outstanding
57.4M
Total Revenue
$707.3M
Total Debt
$2.29B
Dividend Yield (TTM)
4.52%
Liquidation Value / Share
$41.99
Dividend / Share (TTM)
$0.80
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for OCFC
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
M&A headline · Jul 31, 2026
OceanFirst Financial: Merger Complete, Great Dividend Yield — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Seeking AlphaCommunity Sentiment
0 active · 0 total callsNo personal call yet on OCFC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Regional community banking presence in attractive metropolitan markets.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Competition from larger financial institutions with greater resources.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
40
Oct 1, 2026
Change
+0.4
points
Current Score
40
Oct 12, 2026
Category Changes
OCFC increased 0.4 points because overall fundamentals improved.
Projected Score
Projected Score
37
Projected Change
-2.8 points
Preliminary comparable-period financial changes suggest decline of approximately 2.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$17.68
Model Intrinsic Value
$25.06
Difference
−$7.38
-29.5% vs IV
Margin of Safety
29.5%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $707.3M | $655.6M | $687.9M | $637.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $319.2M | $298.4M | $315.8M | $255.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $388.1M | $357.2M | $372.1M | $381.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $61.4M | $20.7M | $14.6M | $151.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $324.1M | $264.7M | $241.5M | $244.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $80.9M | $106.5M | $145.2M | $153.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $63.9M | $92.5M | $130.7M | $136.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $308.7M | $282.2M | $308.1M | $238.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $63.9M | $92.5M | $130.7M | $136.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $16.0M | $21.5M | $30.3M | $32.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $47.9M | $71.0M | $100.1M | $104.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.85 | $1.17 | $1.65 | $1.70 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 70.24M | 57.42M | 58.30M | 58.95M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 70.24M | 57.42M | 58.30M | 58.96M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$209.6M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$0.04
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+90.9%
Cash Change
+60.6%
Margin Change
-13.0 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
What Weakened
- Margins contracted
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, cash levels. Pressure indicators included EPS growth, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 26.7%. EPS declined 115.4%. Cash increased 60.6%. Total debt increased 90.9%. Net income margin declined by 13.0 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
41
Smart Money
41
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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OceanFirst Financial CIO Sells 5,500 Shares at $18.91
Rumor Mill · OCFC
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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