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Company Analysis

OceanFirst Financial Corp. OCFC

A comprehensive view of key metrics, scores, and financial health for OceanFirst Financial Corp.

Overview of OceanFirst Financial Corp.

OCFC NMS
Financial Services Banks - Regional Small Cap
OceanFirst Financial Corp. (OCFC), is a Small Cap company, in the Banks - Regional industry, last closed at $17.81, about 68.7% undervalued vs fair value, +3.6% 1Y return, ranked 347/1004 in sector.
$17.81
-0.34%
As of March 13, 2026
Previous close • Vol 90d: 29.8%
52-Week Range
Market Cap
$1.04B
Enterprise Value
$2.61B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.oceanfirst.com
HQ Toms River, NJ
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$30
$56
Current: $17.81 +69% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$642.2M
5.6%%
Interest Expense
$308.1M
Net Interest Income
$334.0M
-9.7%%
Total Revenue
$379.8M
-4.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$72.4M
75.3% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating OceanFirst Financial Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
45
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing OCFC's balance between Growth (27.5%), Profitability (42.7%), and Safety (29.9%). Growth 27% Safety 30% Profitability 43%

Click axes to expand details. Marker shows current allocation.

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Growth

28th percentile vs peers
29
Key Signals
Asset Growth YoY 8.5% 73p Revenue CAGR 3Y 2.6% 11p Rev Growth YoY -4.7% 7p
Strengths
  • Net Profit Margin in top 20% of peers (26.4%, 83th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (-4.7%)
  • Growth below peer median (percentile: 28)

Profitability

45th percentile vs peers
45
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for OceanFirst Financial Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$30.04
- - -
+68.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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