OceanFirst Financial Corp. (OCFC)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$15.96

+0.21 (+1.33%)

Market Cap: $1.52B

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

69%(27/39)

Avg Surprise

-0.55%

Streak

4 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.40

Range$0.39 - $0.42

7 analysts

EPS RevisionsNo revisions (7d)

30d

EPS Estimate DriftChange to current

90d ago$0.49-17.5%

60d ago$0.43-5.2%

30d ago$0.43-5.2%

7d ago$0.42-3.3%

Current$0.40

Revenue Consensus

$179M

Range$174M - $181M

5 analysts

Period ending Dec 31, 2026

EPS Consensus$0.53

Range$0.48 - $0.56

7 analysts

Revenue Consensus

$171M

Range$165M - $175M

5 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$0.53	$0.48 - $0.56	-	-	7	-	-
Sep 30, 2026Sep 26EST	-	$0.40	$0.39 - $0.42	-	-	7	0 2 30d	-
Jun 30, 2026Jun 26 Reported Jul 30, 2026Reported Jul 30	$0.43	$0.42	$0.41 - $0.48	+2.38%	Beat	7	0 1 30d	+38.7%
Mar 31, 2026Mar 26 Reported Apr 23, 2026Reported Apr 23	$0.43	$0.39	$0.37 - $0.43	+10.26%	Beat	6	2 3 30d	+22.9%
Dec 31, 2025Dec 25 Reported Jan 22, 2026Reported Jan 22	$0.41	$0.37	$0.24 - $0.41	+10.81%	Beat	6	1 1 30d	+7.9%
Sep 30, 2025Sep 25 Reported Oct 22, 2025Reported Oct 22	$0.36	$0.36	$0.34 - $0.38	+0.00%	Beat	5	0 1 30d	-7.7%
Jun 30, 2025Jun 25 Reported Jul 24, 2025Reported Jul 24	$0.31	$0.33	$0.31 - $0.36	-6.06%	Miss	6	0 1 30d	-20.5%
Mar 31, 2025Mar 25 Reported Apr 24, 2025Reported Apr 24	$0.35	$0.35	$0.33 - $0.37	+0.00%	Beat	7	No revisions (30d)	-20.5%
Dec 31, 2024Dec 24 Reported Jan 24, 2025Reported Jan 24	$0.38	$0.36	$0.33 - $0.40	+5.56%	Beat	6	1 5 30d	-15.6%
Sep 30, 2024Sep 24 Reported Oct 17, 2024Reported Oct 17	$0.39	$0.38	$0.36 - $0.40	+2.63%	Beat	7	1 0 30d	+21.9%
Jun 30, 2024Jun 24 Reported Jul 18, 2024Reported Jul 18	$0.39	$0.42	$0.42 - $0.45	-7.14%	Miss	7	0 1 30d	-15.2%
Mar 31, 2024Mar 24 Reported Apr 18, 2024Reported Apr 18	$0.44	$0.41	$0.39 - $0.43	+7.32%	Beat	7	0 1 30d	-20.0%
Dec 31, 2023Dec 23 Reported Jan 18, 2024Reported Jan 18	$0.45	$0.43	$0.38 - $0.46	+4.65%	Beat	7	No revisions (30d)	-32.8%
Sep 30, 2023Sep 23 Reported Oct 19, 2023Reported Oct 19	$0.32	$0.35	$0.32 - $0.38	-8.57%	Miss	7	0 1 30d	-46.7%
Jun 30, 2023Jun 23 Reported Jul 20, 2023Reported Jul 20	$0.46	$0.47	$0.42 - $0.49	-2.13%	Miss	7	0 1 30d	-22.0%
Mar 31, 2023Mar 23 Reported Apr 20, 2023Reported Apr 20	$0.55	$0.64	$0.50 - $0.70	-14.06%	Miss	7	0 2 30d	+12.2%
Dec 31, 2022Dec 22 Reported Jan 19, 2023Reported Jan 19	$0.67	$0.62	$0.60 - $0.65	+8.06%	Beat	7	No revisions (30d)	+39.6%
Sep 30, 2022Sep 22 Reported Oct 24, 2022Reported Oct 24	$0.60	$0.59	$0.52 - $0.70	+1.69%	Beat	5	No revisions (30d)	+33.3%
Jun 30, 2022Jun 22 Reported Jul 28, 2022Reported Jul 28	$0.59	$0.55	$0.53 - $0.58	+7.27%	Beat	7	1 0 30d	+20.4%
Mar 31, 2022Mar 22 Reported Apr 28, 2022Reported Apr 28	$0.49	$0.46	$0.43 - $0.51	+6.52%	Beat	8	1 0 30d	+11.4%
Dec 31, 2021Dec 21 Reported Jan 27, 2022Reported Jan 27	$0.48	$0.44	$0.41 - $0.47	+9.09%	Beat	9	0 1 30d	+23.1%
Sep 30, 2021Sep 21 Reported Oct 28, 2021Reported Oct 28	$0.45	$0.41	$0.37 - $0.43	+9.76%	Beat	9	No revisions (30d)	+647.4%
Jun 30, 2021Jun 21 Reported Jul 29, 2021Reported Jul 29	$0.49	$0.43	$0.41 - $0.46	+13.95%	Beat	9	1 0 30d	+36.1%
Mar 31, 2021Mar 21 Reported Apr 29, 2021Reported Apr 29	$0.44	$0.40	$0.36 - $0.44	+10.00%	Beat	8	No revisions (30d)	-2.2%
Dec 31, 2020Dec 20 Reported Jan 28, 2021Reported Jan 28	$0.39	$0.39	$0.33 - $0.47	+0.00%	Beat	7	1 0 30d	-23.5%
Sep 30, 2020Sep 20 Reported Oct 29, 2020Reported Oct 29	$-0.08	N/A	-	-120.05%	Miss	8	No revisions (30d)	-115.2%
Jun 30, 2020Jun 20 Reported Jul 23, 2020Reported Jul 23	$0.36	$0.34	$0.22 - $0.40	+5.88%	Beat	8	No revisions (30d)	-29.4%
Mar 31, 2020Mar 20 Reported Apr 23, 2020Reported Apr 23	$0.45	$0.38	$0.25 - $0.46	+18.42%	Beat	7	No revisions (30d)	-11.8%
Dec 31, 2019Dec 19 Reported Jan 27, 2020Reported Jan 27	$0.51	$0.53	$0.50 - $0.56	-3.77%	Miss	7	No revisions (30d)	-5.6%
Sep 30, 2019Sep 19 Reported Oct 24, 2019Reported Oct 24	$0.54	$0.51	$0.49 - $0.52	+5.88%	Beat	7	No revisions (30d)	+1.9%
Jun 30, 2019Jun 19 Reported Jul 25, 2019Reported Jul 25	$0.51	$0.54	$0.51 - $0.56	-5.56%	Miss	8	No revisions (30d)	+10.9%
Mar 31, 2019Mar 19 Reported Apr 25, 2019Reported Apr 25	$0.51	$0.51	$0.49 - $0.53	+0.00%	Beat	9	No revisions (30d)	+13.3%
Dec 31, 2018Dec 18 Reported Mar 15, 2019Reported Mar 15	$0.54	$0.56	$0.55 - $0.58	-3.57%	Miss	8	No revisions (30d)	+20.0%
Sep 30, 2018Sep 18 Reported Oct 25, 2018Reported Oct 25	$0.53	$0.55	$0.54 - $0.56	-3.64%	Miss	8	1 0 30d	+17.8%
Jun 30, 2018Jun 18 Reported Jul 26, 2018Reported Jul 26	$0.46	$0.45	$0.41 - $0.48	+2.22%	Beat	8	No revisions (30d)	+15.0%
Mar 31, 2018Mar 18 Reported Apr 26, 2018Reported Apr 26	$0.45	$0.41	$0.31 - $0.46	+9.76%	Beat	6	No revisions (30d)	+12.5%
Dec 31, 2017Dec 17 Reported Jan 25, 2018Reported Jan 25	$0.45	$0.46	$0.42 - $0.47	-2.17%	Miss	5	No revisions (30d)	+18.4%
Sep 30, 2017Sep 17 Reported Oct 26, 2017Reported Oct 26	$0.45	$0.46	$0.43 - $0.46	-2.17%	Miss	6	No revisions (30d)	-
Jun 30, 2017Jun 17 Reported Jul 27, 2017Reported Jul 27	$0.40	$0.40	$0.39 - $0.41	+0.00%	Beat	4	2 0 30d	-
Mar 31, 2017Mar 17 Reported Apr 27, 2017Reported Apr 27	$0.40	$0.38	-	+5.26%	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 15, 2017Reported Mar 15	$0.38	$0.38	-	+0.00%	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield5.01%

Forward Annual Dividend$0.80

Payout Ratio117.19%

FrequencyQuarterly

Pay MonthsFeb, May, Aug, Nov

Growth

3Y CAGR+2.63%

5Y CAGR+3.30%

OCFC dividend history and ex-dividend dates Run OCFC in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	9.79	EV/EBITDA	49.81x
Price/FCF	9.99x	FCF Yield	10.01%
Profitability
Profit Margin	11.20%	Operating Margin	36.80%
ROE	2.37%	ROIC	1.02%
Financial Health
Debt/Equity	0.95x	Interest Coverage	0.21x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	1.00	Avg Volume	1.27M
52-Week High	$20.12	52-Week Low	$15.65

Technical Indicators Dashboard

Moving Averages

SMA 10$16.32

SMA 20$16.68

SMA 50$18.07

SMA 200$18.34

EMA 10$16.27

EMA 20$16.74

EMA 50$17.63

EMA 200$18.16

MACD

Line: -0.62Signal: -0.60Hist: -0.02

ADX

ADX: 42.3+DI: 14.9-DI: 38.4

Aroon & PSAR

Aroon Up4.0

Aroon Down96.0

PSAR$16.72

Bollinger Bands

Upper Band$17.77

Lower Band$15.59

%B Position1305%(Upper)

Band Width0.17

RSI (14-Day)

Oversold

27.2

Momentum Oscillators

Stoch %K10.8

Stoch %D7.7

Williams %R-78.4

ROC (10d)-4.3%

Momentum-0.71

CCI (20d)-120.2

MFI (14d)25.6

Volatility Measures

ATR (14d)$0.37(2.3%)

StdDev (20d)0.54

Hist Vol18.3%(Low)

Volume Flow

VWAP$15.93

OBV-17.2M

AD Line-249.5M

CMF (20d)-0.324

Volume Metrics

Avg Vol (20d)1.3M

Vol Ratio1.1x

VWMA (20d)$16.69

Pivot Points

R3$16.14

R2$16.03

R1$15.89

Pivot Point$15.77

S1$15.63

S2$15.52

S3$15.38

Advanced Oscillators

TSI-49.22

Ultimate Osc35.7

KST-116.46

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$131.33M	$103.19M	$104.69M	$102.96M	$99.37M	$97.91M	$95.56M	$96.90M	$93.25M	$98.51M	$99.69M	$101.76M
Cost of Revenue	N/A	$74.58M	$80.15M	$75.63M	$70.23M	$72.39M	$79.76M	$79.82M	$80.28M	$75.97M	$75.76M	$77.70M
Gross Profit	N/A	$91.90M	$77.72M	$97.70M	$95.17M	$91.39M	$90.96M	$95.23M	$89.06M	$96.87M	$95.54M	$90.32M

Operating Expenses	$129.86M	$73.40M	$84.14M	$76.33M	$71.47M	$64.29M	$64.85M	$63.74M	$58.62M	$58.67M	$60.19M	$64.48M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$27.05M	$16.85M	$22.54M	$24.86M	$28.27M	$27.36M	$32.65M	$31.51M	$39.25M	$36.34M	$26.99M

Interest Income	$209.60M	$168.29M	$171.73M	$162.19M	$154.82M	$153.70M	$159.62M	$161.53M	$159.43M	$161.60M	$160.43M	$158.41M
Interest Expense	$88.87M	$71.84M	$76.45M	$71.54M	$67.19M	$67.05M	$76.29M	$79.31M	$77.16M	$75.38M	$72.61M	$67.41M
Income Before Tax	$-2,533,000	$27.05M	$16.85M	$22.54M	$24.86M	$28.27M	$27.25M	$32.65M	$31.51M	$39.25M	$36.34M	$26.99M
Income Tax Expense	$496,000	$6.55M	$3.75M	$5.16M	$5.77M	$6.81M	$5.08M	$7.46M	$7.08M	$10.64M	$8.59M	$6.46M

Net Income	$-3,029,000	$20.51M	$13.14M	$17.33M	$19.05M	$21.51M	$21.91M	$25.12M	$24.37M	$28.67M	$27.68M	$20.67M

EBITDA	$-1,702,000	$26.19M	$15.08M	$23.35M	$26.32M	$29.55M	$29.79M	$36.07M	$35.23M	$42.56M	$39.83M	$32.93M
EBIT	$-2,533,000	$27.05M	$16.85M	$22.54M	$24.86M	$28.27M	$27.25M	$32.65M	$31.51M	$39.25M	$36.34M	$26.99M

* Some calculated fields are derived from available data when not provided by source

Related GNG Research

No research available

Be the first to write about OCFC

News

Piper Sandler cuts target to USD 18.00 for OceanFirst Financial stock

Piper Sandler has reduced its price target for OceanFirst Financial (OCFC) stock to USD 18.00 from USD 21.00, maintaining a Neutral rating due to lower peer multiples. This adjustment follows OceanFirst Financial's...

ad-hoc-news.de•Oct 15, 2026 10:03 PM ET10/15/26•Somewhat-Bearish

DIMENSIONAL FUND ADVISORS LP Adds OceanFirst Financial Corp (OCF

DIMENSIONAL FUND ADVISORS LP recently increased its stake in OceanFirst Financial Corp (OCFC) by purchasing 350,694 shares...

GuruFocus•Oct 15, 2026 1:12 AM ET10/15/26•Somewhat-Bullish

Piper Sandler cuts target for OceanFirst Financial stock to USD 18.00

Piper Sandler has reduced its price target for OceanFirst Financial (OCFC) stock to USD 18.00 from USD 21.00, while maintaining a Neutral rating. This adjustment follows a difficult second quarter for the company...

ad-hoc-news.de•Oct 13, 2026 10:43 PM ET10/13/26•Somewhat-Bearish

Trading Systems Reacting to (OCFC) Volatility

This article from Stock Traders Daily discusses the volatility of Oceanfirst Financial Corp. (NASDAQ: OCFC), highlighting weak near and mid-term sentiment and a neutral long-term outlook. It presents AI-generated...

Stock Traders Daily•Oct 13, 2026 7:11 AM ET10/13/26•Somewhat-Bearish

OceanFirst Financial Corp. (NASDAQ:OCFC) Stock Has Consensus Price Target of $20.33 According to Brokerages

OceanFirst Financial Corp. (NASDAQ:OCFC) has a consensus "Hold" rating from five research firms, with an average 12-month price target of $20.33. The stock is currently trading near its yearly low...

MarketBeat•Oct 10, 2026 4:34 AM ET10/10/26•Neutral

OCFC Valuation and Fair Value

P/E: 9.8x
Forward P/E: 10.5x
EV/EBITDA: 49.8x
P/FCF: 10.0x
PEG: 1.1x
P/B: 0.5x

See GNG's fair value

OCFC Profitability: Margins, ROIC and FCF

Operating margin: 36.8%
Net margin: 11.2%
ROIC: 1.0%
ROE: 2.4%
FCF margin: 25.4%
FCF yield: 10.0%

OCFC Competitors

Company	Ticker
Safety Insurance Group Inc	SAFT
Stewart Information Services Corp	STC
Cipher Mining Inc	CIFRW
ConnectOne Bancorp, Inc.	CNOB
Perella Weinberg Partners	PWP
Trinity Capital Inc.	TRIN
Origin Bancorp, Inc.	OBK
Capital Southwest Corporation	CSWC

Sector: Financial Services

OCFC Analyst Ratings

Consensus: Buy
Analysts: 7
Strong Buy: 1
Buy: 2
Hold: 4
Sell: 0
Strong Sell: 0

OCFC Bull Case vs Bear Case

Bull case

OCFC converts 25.4% of revenue into free cash flow.
OCFC grew quarterly revenue 32.2% year over year.

OCFC Earnings: Beat Rate and Next Report

Beat rate: 5 of 8 quarters (62.5%)
Average surprise: 3.2%
EPS estimate (fiscal period ending Sep 30, 2026): $0.40
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 0 up, 2 down

OCFC Dividend

Forward yield: 5.0%
Payout ratio: 117.2%
3Y DPS growth: 2.6%
5Y DPS growth: 3.3%
Pay months: Feb, May, Aug, Nov

OCFC dividend history

Frequently Asked Questions About OCFC

What is OCFC's current dividend yield?

OceanFirst Financial Corp. (OCFC) has a forward dividend yield of 5.01%.

Does OCFC pay dividends?

Yes, OceanFirst Financial Corp. pays dividends with a forward dividend yield of 5.01%.

What is OCFC's P/E ratio?

OceanFirst Financial Corp. has a price-to-earnings (P/E) ratio of 9.79.

What is OCFC's market cap?

OceanFirst Financial Corp. (OCFC) has a market capitalization of $1.52B with a current stock price of $15.96.

Get full access to GNG Research

Create a free account to access portfolio tracking, advanced tools, and more.

Create Free Account Log In