OCFC Stock Analysis: OceanFirst Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.650m USD | 12M Return: 7.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 20.6M
EPS Trend: -88.6%
Qual. Beats: 2
Rev. Trend: 60.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
OceanFirst Financial Corp. is a bank holding company that operates OceanFirst Bank N.A., a community bank serving retail and commercial customers in the United States. Founded in 1902 and headquartered in Toms River, New Jersey, the company generates revenue primarily through traditional banking activities, including deposit gathering and a diversified lending portfolio spanning commercial real estate, multi-family, construction, commercial and industrial, residential mortgage, and consumer loans.
On the funding side, the company accepts a range of deposit products such as money market, savings, interest-bearing and non-interest-bearing checking accounts, time deposits, and brokered deposits. It also maintains an investment securities portfolio composed of mortgage-backed securities, U.S. government and agency securities, corporate securities, and other investments, supplementing net interest income with fee-based services such as bankcard, trust and asset management, deposit account services, and loan and investment sales.
OceanFirst is classified within the Financials sector and the Regional Banks sub-industry (GICS), a category that generally consists of institutions focused on geographically concentrated, relationship-driven lending and deposit franchises rather than the diversified, nationwide models of the largest U.S. money-center banks. As a small-cap, publicly traded holding company, OCFCs earnings are typically sensitive to net interest margin trends, credit quality in commercial real estate and consumer loans, and the spread between short-term funding costs and longer-term asset yields.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan concentration raises credit risk concerns
- Deposit costs rise amid competition for funding
- Loan growth in commercial and residential segments drives revenue
| Net Income: 70.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.46 > 1.0 |
| NWC/Revenue: -1.63k% < 20% (prev -1.37k%; Δ -265.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 114.2m > Net Income 70.0m |
| Net Debt (186.0m) to EBITDA (105.9m): 1.76 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.0m) vs 12m ago -1.83% < -2% |
| Gross Margin: 54.67% > 18% (prev 54.01%; Δ 0.66% > 0.5%) |
| Asset Turnover: 4.76% > 50% (prev 5.10%; Δ -0.34% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBIT TTM 91.3m / Interest Expense TTM 287.0m) |
| A: -0.74 (Total Current Assets 186.6m - Total Current Liabilities 11.0b) / Total Assets 14.6b |
| B: 0.05 (Retained Earnings 671.7m / Total Assets 14.6b) |
| C: 0.01 (EBIT TTM 91.3m / Avg Total Assets 13.9b) |
| D: 0.13 (Book Value of Equity 1.67b / Total Liabilities 12.9b) |
| Altman-Z'' = -4.55 = D |
| DSRI: 1.13 (Receivables 49.6m/44.8m, Revenue 663.1m/678.9m) |
| GMI: 0.99 (GM 54.01% / 54.67%) |
| AQI: 1.07 (AQ_t 0.98 / AQ_t-1 0.92) |
| SGI: 0.98 (Revenue 663.1m / 678.9m) |
| TATA: -0.00 (NI 70.0m - CFO 114.2m) / TA 14.6b) |
| Beneish M = -2.91 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 18.96 with a total of 810,103 shares traded. Over the past week, the price has changed by -2.77%, over one month by +5.45%, over three months by +2.68% and over the past year by +7.22%.
Current recommended Stop Loss: 18.30 (which is 3.5% or 1.4 ATR below the current price).
OceanFirst Financial has received a consensus analysts rating of 3.86. Therefore, it is recommended to buy OCFC.
- StrongBuy: 3
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 21.5 | 13.4% |
P/E Trailing = 16.0975
P/E Forward = 9.8232
P/S = 4.1725
P/B = 0.9914
P/EG = 1.1498
Revenue TTM = 663.1m USD
EBIT TTM = 91.3m USD
EBITDA TTM = 105.9m USD
Long Term Debt = 1.44b USD (from longTermDebt, last quarter)
Short Term Debt = 67.2m USD (from shortTermDebt, last quarter)
Debt = 1.50b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.14m
Net Debt = 186.0m USD (calculated: Debt 1.50b - CCE 1.32b)
Enterprise Value = 1.84b USD (1.65b + Debt 1.50b - CCE 1.32b)
Interest Coverage Ratio = 0.32 (Ebit TTM 91.3m / Interest Expense TTM 287.0m)
EV/FCF = 17.26x (Enterprise Value 1.84b / FCF TTM 106.4m)
FCF Yield = 5.80% (FCF TTM 106.4m / Enterprise Value 1.84b)
FCF Margin = 16.05% (FCF TTM 106.4m / Revenue TTM 663.1m)
Net Margin = 10.55% (Net Income TTM 70.0m / Revenue TTM 663.1m)
Gross Margin = 54.67% ((Revenue TTM 663.1m - Cost of Revenue TTM 300.6m) / Revenue TTM)
Gross Margin QoQ = 55.20% (prev 49.23%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.84b / Total Assets 14.6b)
Interest Expense / Debt = 19.08% (Interest Expense 287.0m / Debt 1.50b)
Taxrate = 23.25% (21.2m / 91.3m)
NOPAT = 70.1m (EBIT 91.3m * (1 - 23.25%))
Current Ratio = 0.02 (Total Current Assets 186.6m / Total Current Liabilities 11.0b)
Debt / Equity = 0.90 (Debt 1.50b / totalStockholderEquity, last quarter 1.67b)
Debt / EBITDA = 1.76 (Net Debt 186.0m / EBITDA 105.9m)
Debt / FCF = 1.75 (Net Debt 186.0m / FCF TTM 106.4m)
Total Stockholder Equity = 1.66b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.50% (Net Income 70.0m / Total Assets 14.6b)
RoE = 4.22% (Net Income TTM 70.0m / Total Stockholder Equity 1.66b)
RoCE = 2.95% (EBIT 91.3m / Capital Employed (Equity 1.66b + L.T.Debt 1.44b))
RoIC = 0.48% (NOPAT 70.1m / Invested Capital 14.5b)
WACC = 11.76% (E(1.65b)/V(3.15b) * Re(9.13%) + D(1.50b)/V(3.15b) * Rd(19.08%) * (1-Tc(0.23)))
Discount Rate = 9.13% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -1.58%
[DCF] Terminal Value 67.76% ; FCFF base≈78.1m ; Y1≈89.5m ; Y5≈131.7m
[DCF] Fair Price = 12.07 (EV 1.23b - Net Debt 186.0m = Equity 1.05b / Shares 86.9m; r=11.76% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -88.62 | EPS CAGR: -13.33% | SUE: 1.68 | # QB: 2
Revenue Correlation: 60.61 | Revenue CAGR: 3.48% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.46 | Chg30d=-6.94% | Revisions=+25% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.49 | Chg30d=-1.68% | Revisions=-25% | Analysts=7
EPS current Year (2026-12-31): EPS=1.90 | Chg30d=-1.99% | Revisions=-25% | GrowthEPS=+33.0% | GrowthRev=+48.8%
EPS next Year (2027-12-31): EPS=2.35 | Chg30d=-1.30% | Revisions=-25% | GrowthEPS=+23.4% | GrowthRev=+25.8%
[Analyst] Revisions Ratio: -29% (up=1, down=3)