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OceanFirst Financial Corp (OCFC)

Featured in Small-Cap Stocks

OceanFirst Financial Corp. is a bank holding company for OceanFirst Bank N.A., a U.S. community banking institution that serves retail and commercial customers. Through its banking operations, the company provides a range of deposit products, including money market, savings, interest-bearing checking, non-interest-bearing, and time deposit accounts, along with brokered deposits. Its lending activities cover commercial real estate, multifamily, land, construction, and commercial and industrial loans, as well as fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences. OceanFirst Financial also offers consumer lending products such as home equity loans and lines of credit, student loans, savings-secured loans, overdraft lines of credit, and other consumer credit. In addition, it holds investments in mortgage-backed securities, U.S. government and agency securities, and corporate securities, and provides bankcard, trust, asset management, deposit account, loan sale, and investment sale services. The company was founded in 1902 and is headquartered in Toms River, New Jersey.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-OCFC
$16.61
-15.4% Downside
Fair
$21.75
10.7% Upside
Fair
Fair
—
—
0.8
4.0%
July 30, 2026
28.3x
1.1x
4.8x
1.918 B
—
45.1%
87.4%
-1.7
67.2%
158.5%
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Valuation • Fair Value

OceanFirst Financial Corp (NASDAQ-OCFC) Fair Value by Valuation Model

Compare the primary fair value estimate for OceanFirst Financial Corp (NASDAQ-OCFC) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$16.61

Estimated downside of 15.4% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$7.70

Classic Ben Graham valuation formula reference.

DDM Fair Value

$17.76

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$16.22

Comparable-company valuation reference.

Analyst Price Target

$21.75

Analysts imply upside of 10.7%.

How to read these valuation models

Use this section to compare the primary fair value estimate for OceanFirst Financial Corp (NASDAQ-OCFC) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for OceanFirst Financial Corp (NASDAQ-OCFC)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

396.6 M

Current operating scale indicator.

Revenue Forecast

606.2 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review OceanFirst Financial Corp (NASDAQ-OCFC) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for OceanFirst Financial Corp (NASDAQ-OCFC)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

4

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.7

Lower score that deserves closer risk review.

FCF / Net Income

158.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for OceanFirst Financial Corp (NASDAQ-OCFC). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for OceanFirst Financial Corp (NASDAQ-OCFC)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 30, 2026

Days to Earnings

9

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

4.0%

Income yield reference.

Upcoming Dividend

0.8

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

67.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for OceanFirst Financial Corp (NASDAQ-OCFC), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

OceanFirst Financial Corp (NASDAQ-OCFC) Stock Forecast & Technical Outlook

Review OceanFirst Financial Corp (NASDAQ-OCFC) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for OceanFirst Financial Corp (NASDAQ-OCFC) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for OceanFirst Financial Corp (NASDAQ-OCFC) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for OceanFirst Financial Corp (NASDAQ-OCFC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for OceanFirst Financial Corp (NASDAQ-OCFC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for OceanFirst Financial Corp (NASDAQ-OCFC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for OceanFirst Financial Corp (NASDAQ-OCFC)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, OceanFirst Financial Corp (NASDAQ-OCFC) has a Hold consensus, with 2 buy, 4 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 4
Sell 0
FAQ • Fast Investor Answers

OceanFirst Financial Corp (NASDAQ-OCFC) Stock FAQ

Quick answers about OceanFirst Financial Corp (NASDAQ-OCFC) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$16.61
Estimated downside 15.4%
Valuation Rating
Overvalued
Estimated downside of 15.4%
Analyst Target
$21.75
Implied upside 10.7%
Financial Health
Fair
Current financial-health read

The current fair value estimate for OceanFirst Financial Corp (NASDAQ-OCFC) is $16.61. This implies an estimated downside of 15.4% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 15.4% versus the current market price.

The available analyst price target for OceanFirst Financial Corp (NASDAQ-OCFC) is $21.75. The analyst target implies estimated upside of 10.7%.

The current financial health read for OceanFirst Financial Corp (NASDAQ-OCFC) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for OceanFirst Financial Corp (NASDAQ-OCFC) is July 30, 2026.

Based on the current data, dividend yield is 4.0%, upcoming dividend amount is 0.8.

The current P/E ratio listed for OceanFirst Financial Corp (NASDAQ-OCFC) is 28.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for OceanFirst Financial Corp is 1.918 B.

The ticker symbol for OceanFirst Financial Corp is NASDAQ-OCFC, and the stock is listed on NASDAQ.

OceanFirst Financial Corp (NASDAQ-OCFC) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for OceanFirst Financial Corp is 45.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for OceanFirst Financial Corp is 87.4%. Free float helps investors understand how much of the share base is available for public trading.

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