(OCFC) OceanFirst Financial - Overview
Stock: Deposits, Loans, Mortgages, Securities, Cards, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.72% |
| Yield on Cost 5y | 5.00% |
| Yield CAGR 5y | 4.15% |
| Payout Consistency | 96.6% |
| Payout Ratio | 55.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 36.3% |
| Relative Tail Risk | -17.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.44 |
| Alpha | 2.95 |
| Character TTM | |
|---|---|
| Beta | 0.890 |
| Beta Downside | 0.974 |
| Drawdowns 3y | |
|---|---|
| Max DD | 48.62% |
| CAGR/Max DD | -0.04 |
Description: OCFC OceanFirst Financial January 20, 2026
OceanFirst Financial Corp. (NASDAQ: OCFC) is the holding company for OceanFirst Bank N.A., a community-bank focused on retail and commercial customers in the United States. The bank offers a full suite of deposit products-including money-market, savings, interest-bearing checking, non-interest-bearing, and brokered time deposits-and a diversified loan portfolio that spans commercial real-estate, multi-family, construction, C&I, residential mortgages (fixed- and adjustable-rate), and consumer credit such as home-equity lines, student loans, and overdraft facilities. In addition, OCFC invests in mortgage-backed securities, U.S. government and agency securities, corporate bonds, and provides ancillary services like bankcards, trust and fiduciary solutions, asset management, and bank-owned life insurance.
Key recent metrics (Q4 2023) show earnings per share of $0.48, a return on equity of roughly 10.5 %, and a net interest margin of 3.2 %, reflecting the bank’s ability to capture spread in a rising-rate environment. The institution holds approximately $10.5 billion in deposits and $8.3 billion in loans, with loan-to-deposit ratios near 79 %, indicating a balanced funding profile. Economic drivers that will likely influence performance include the Federal Reserve’s policy trajectory (higher rates tend to boost net interest income but can pressure loan demand), regional commercial-real-estate activity in the Mid-Atlantic, and competitive pressure from fintech-enabled deposit platforms.
For a deeper, data-driven valuation, you may find the ValueRay platform’s granular financial models useful.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 75.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.52 > 1.0 |
| NWC/Revenue: 1395 % < 20% (prev -1310 %; Δ 2706 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 96.0m > Net Income 75.6m |
| Net Debt (1.57b) to EBITDA (107.9m): 14.57 < 3 |
| Current Ratio: 3.86 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.0m) vs 12m ago -1.92% < -2% |
| Gross Margin: 54.01% > 18% (prev 0.55%; Δ 5346 % > 0.5%) |
| Asset Turnover: 4.69% > 50% (prev 5.10%; Δ -0.41% > 0%) |
| Interest Coverage Ratio: 0.36 > 6 (EBITDA TTM 107.9m / Interest Expense TTM 287.0m) |
Altman Z'' 4.38
| A: 0.63 (Total Current Assets 12.39b - Total Current Liabilities 3.21b) / Total Assets 14.56b |
| B: 0.05 (Retained Earnings 661.0m / Total Assets 14.56b) |
| C: 0.01 (EBIT TTM 102.9m / Avg Total Assets 14.03b) |
| D: 0.05 (Book Value of Equity 652.8m / Total Liabilities 12.90b) |
| Altman-Z'' Score: 4.38 = AA |
Beneish M 1.00
| DSRI: 236.3 (Receivables 11.02b/48.8m, Revenue 657.8m/688.5m) |
| GMI: 1.01 (GM 54.01% / 54.71%) |
| AQI: 0.16 (AQ_t 0.14 / AQ_t-1 0.90) |
| SGI: 0.96 (Revenue 657.8m / 688.5m) |
| TATA: -0.00 (NI 75.6m - CFO 96.0m) / TA 14.56b) |
| Beneish M-Score: 190.1 (Cap -4..+1) = D |
What is the price of OCFC shares?
Over the past week, the price has changed by +4.05%, over one month by +14.44%, over three months by +11.07% and over the past year by +13.27%.
Is OCFC a buy, sell or hold?
- StrongBuy: 3
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the OCFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 21.3 | 7.4% |
| Analysts Target Price | 21.3 | 7.4% |
| ValueRay Target Price | 21 | 5.9% |
OCFC Fundamental Data Overview February 09, 2026
P/E Forward = 10.5042
P/S = 2.9201
P/B = 0.6828
P/EG = 1.84
Revenue TTM = 657.8m USD
EBIT TTM = 102.9m USD
EBITDA TTM = 107.9m USD
Long Term Debt = 1.90b USD (from longTermDebt, last quarter)
Short Term Debt = 54.4m USD (from shortTermDebt, last quarter)
Debt = 1.71b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.57b USD (from netDebt column, last quarter)
Enterprise Value = 1.48b USD (1.14b + Debt 1.71b - CCE 1.37b)
Interest Coverage Ratio = 0.36 (Ebit TTM 102.9m / Interest Expense TTM 287.0m)
EV/FCF = 16.47x (Enterprise Value 1.48b / FCF TTM 89.6m)
FCF Yield = 6.07% (FCF TTM 89.6m / Enterprise Value 1.48b)
FCF Margin = 13.62% (FCF TTM 89.6m / Revenue TTM 657.8m)
Net Margin = 11.49% (Net Income TTM 75.6m / Revenue TTM 657.8m)
Gross Margin = 54.01% ((Revenue TTM 657.8m - Cost of Revenue TTM 302.5m) / Revenue TTM)
Gross Margin QoQ = 49.23% (prev 57.54%)
Tobins Q-Ratio = 0.10 (Enterprise Value 1.48b / Total Assets 14.56b)
Interest Expense / Debt = 4.48% (Interest Expense 76.5m / Debt 1.71b)
Taxrate = 22.28% (3.75m / 16.8m)
NOPAT = 80.0m (EBIT 102.9m * (1 - 22.28%))
Current Ratio = 3.86 (Total Current Assets 12.39b / Total Current Liabilities 3.21b)
Debt / Equity = 1.03 (Debt 1.71b / totalStockholderEquity, last quarter 1.66b)
Debt / EBITDA = 14.57 (Net Debt 1.57b / EBITDA 107.9m)
Debt / FCF = 17.55 (Net Debt 1.57b / FCF TTM 89.6m)
Total Stockholder Equity = 1.68b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 75.6m / Total Assets 14.56b)
RoE = 4.50% (Net Income TTM 75.6m / Total Stockholder Equity 1.68b)
RoCE = 2.87% (EBIT 102.9m / Capital Employed (Equity 1.68b + L.T.Debt 1.90b))
RoIC = 2.66% (NOPAT 80.0m / Invested Capital 3.01b)
WACC = 5.76% (E(1.14b)/V(2.84b) * Re(9.19%) + D(1.71b)/V(2.84b) * Rd(4.48%) * (1-Tc(0.22)))
Discount Rate = 9.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.85%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈59.0m ; Y1≈72.7m ; Y5≈123.9m
Fair Price DCF = 35.46 (EV 3.61b - Net Debt 1.57b = Equity 2.03b / Shares 57.4m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -76.22 | EPS CAGR: -4.64% | SUE: 1.58 | # QB: 1
Revenue Correlation: 74.54 | Revenue CAGR: 14.31% | SUE: 2.55 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.40 | Chg30d=+0.002 | Revisions Net=-1 | Analysts=5
EPS current Year (2026-12-31): EPS=1.95 | Chg30d=+0.145 | Revisions Net=+1 | Growth EPS=+36.5% | Growth Revenue=+54.3%
EPS next Year (2027-12-31): EPS=2.42 | Chg30d=+0.237 | Revisions Net=+4 | Growth EPS=+23.9% | Growth Revenue=+23.2%