OCFC Stock Analysis: OceanFirst Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.698m USD | 12M Return: -0.4% | US6752341080 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 17.3M
EPS Trend: -74.1%
Qual. Beats: 0
Rev. Trend: 55.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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: 47.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.16 > 1.0 |
| NWC/Revenue: 43.01% < 20% (prev -1.38k%; Δ 1.43k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 121.7m > Net Income 47.9m |
| Net Debt (-53.7m) to EBITDA (77.6m): -0.69 < 3 |
| Current Ratio: 5.96 > 1.5 & < 3 |
| Outstanding Shares: last quarter (70.2m) vs 12m ago 21.33% < -2% |
| Gross Margin: 54.86% > 18% (prev 55.23%; Δ -0.36% > 0.5%) |
| Asset Turnover: 3.87% > 50% (prev 5.06%; Δ -1.20% > 0%) |
| Interest Coverage Ratio: 0.21 > 6 (EBIT TTM 63.9m / Interest Expense TTM 308.7m) |
| A: 0.01 (Total Current Assets 365.6m - Total Current Liabilities 61.3m) / Total Assets 23.3b |
| B: 0.03 (Retained Earnings 657.1m / Total Assets 23.3b) |
| C: 0.00 (EBIT TTM 63.9m / Avg Total Assets 18.3b) |
| D: 0.12 (Book Value of Equity 2.41b / Total Liabilities 20.9b) |
| Altman-Z'' = 0.32 = B |
| DSRI: 1.98 (Receivables 91.5m/44.0m, Revenue 707.3m/675.0m) |
| GMI: 1.01 (GM 55.23% / 54.86%) |
| AQI: 1.06 (AQ_t 0.98 / AQ_t-1 0.92) |
| SGI: 1.05 (Revenue 707.3m / 675.0m) |
| TATA: -0.00 (NI 47.9m - CFO 121.7m) / TA 23.3b) |
| Beneish M = -2.14 (Cap -4..+1) = BB |
As of September 27, 2026, the stock is trading at USD 17.10 with a total of 995,141 shares traded. Over the past week, the price has changed by -4.31%, over one month by -9.33%, over three months by -8.44% and over the past year by -0.36%.
Current recommended Stop Loss: 16.60 (which is 2.9% or 1.3 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 | 22.3 | 30.1% |
P/E Trailing = 21.6914
P/E Forward = 10.5042
P/S = 3.9708
P/B = 0.7163
P/EG = 1.1498
Revenue TTM = 707.3m USD
EBIT TTM = 63.9m USD
EBITDA TTM = 77.6m USD
Long Term Debt = 2.23b USD (from longTermDebt, last quarter)
Short Term Debt = 61.3m USD (from shortTermDebt, last quarter)
Debt = 2.29b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.14m
Net Debt = -53.7m USD (calculated: Debt 2.29b - CCE 2.34b)
Enterprise Value = 1.64b USD (1.70b + Debt 2.29b - CCE 2.34b)
Interest Coverage Ratio = 0.21 (Ebit TTM 63.9m / Interest Expense TTM 308.7m)
EV/FCF = 14.59x (Enterprise Value 1.64b / FCF TTM 112.7m)
FCF Yield = 6.85% (FCF TTM 112.7m / Enterprise Value 1.64b)
FCF Margin = 15.93% (FCF TTM 112.7m / Revenue TTM 707.3m)
Net Margin = 6.77% (Net Income TTM 47.9m / Revenue TTM 707.3m)
Gross Margin = 54.86% ((Revenue TTM 707.3m - Cost of Revenue TTM 319.2m) / Revenue TTM)
Gross Margin QoQ = 57.60% (prev 55.20%)
Tobins Q-Ratio = 0.07 (Enterprise Value 1.64b / Total Assets 23.3b)
Interest Expense / Debt = 13.49% (Interest Expense 308.7m / Debt 2.29b)
Taxrate = 24.96% (16.0m / 63.9m)
NOPAT = 48.0m (EBIT 63.9m * (1 - 24.96%))
Current Ratio = 5.96 (Total Current Assets 365.6m / Total Current Liabilities 61.3m)
Debt / Equity = 0.95 (Debt 2.29b / totalStockholderEquity, last quarter 2.41b)
Debt / EBITDA = -0.69 (Net Debt -53.7m / EBITDA 77.6m)
Debt / FCF = -0.48 (Net Debt -53.7m / FCF TTM 112.7m)
Total Stockholder Equity = 1.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.26% (Net Income 47.9m / Total Assets 23.3b)
RoE = 2.59% (Net Income TTM 47.9m / Total Stockholder Equity 1.85b)
RoCE = 1.57% (EBIT 63.9m / Capital Employed (Equity 1.85b + L.T.Debt 2.23b))
RoIC = 0.21% (NOPAT 48.0m / Invested Capital 23.2b)
WACC = 9.43% (E(1.70b)/V(3.99b) * Re(8.49%) + D(2.29b)/V(3.99b) * Rd(13.49%) * (1-Tc(0.25)))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 39.22 | Cagr: 8.23%
[DCF] Terminal Value 74.56% ; FCFF base≈84.9m ; Y1≈97.3m ; Y5≈143.3m
[DCF] Fair Price = 19.30 (EV 1.81b - Net Debt -53.7m = Equity 1.87b / Shares 96.6m; r=9.43% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -74.14 | EPS CAGR: -8.06% | SUE: 0.39 | # QB: 0
Revenue Correlation: 55.79 | Revenue CAGR: 2.17% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.42 | Chg30d=-1.17% | Revisions=-62% | Analysts=6
EPS current Year (2026-12-31): EPS=1.79 | Chg30d=-0.37% | Revisions=-57% | GrowthEPS=+25.5% | GrowthRev=+48.7%
EPS next Year (2027-12-31): EPS=2.32 | Chg30d=+0.00% | Revisions=-22% | GrowthEPS=+29.0% | GrowthRev=+26.7%
[Analyst] Revisions Ratio: -61% (up=2, down=13)