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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 $18.89, about 59.0% undervalued vs fair value, +16.3% 1Y return, ranked 345/1037 in sector.
$18.89
1.96%
As of April 28, 2026
Previous close • Vol 90d: 27.8%
52-Week Range
Market Cap
$1.08B
Enterprise Value
$2.66B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 84%
Updated: Mar 8
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: $18.89 +59% 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

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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
32
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
40
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing OCFC's balance between Growth (31.7%), Profitability (23.5%), and Safety (44.8%). Growth 32% Safety 45% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

38th percentile vs peers
38
Key Signals
Asset Growth YoY 8.5% 73p EPS Growth YoY -2.9% 44p Equity Growth YoY 2.4% 18p NII Growth YoY -9.7% 10p
Strengths
  • Debt/Assets in top 20% of peers (11.7%, 87th percentile)
  • D/E Ratio in top 20% of peers (1.03, 85th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (2.4%)
  • NII Growth YoY in bottom 20% of peers (-9.7%)

Profitability

28th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
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
- - -
+59.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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