OCFC

OceanFirst Financial Corp.

Fundamental data last updated:November 6, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

01/28/2027

Business Summary

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard services, trust and asset management products and services, deposit account services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The company was founded in 1902 and is headquartered in Toms River, New Jersey.

 


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VALUATION

P/E

24.96

Market Cap ($M USD)

$1.73B

Forward P/E

10.05

PEG

0.91

PRICE TO SALES

2.04

PRICE TO BOOK

0.73

EV / EBITDA

17.61

5-Year Average P/E

Free Cash Flow Yield

6.52%

DCF Value

$-6.16

Graham Number

$16.24

Price to FCF

15.35

EV to FCF

33.40

Earnings Yield

2.68%

FCF Yield

6.52%

DIVIDEND

Yield

4.47%

Annual Payout

$0.80

Payout Ratio

97.54%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.48

Next Year EPS Growth Estimate

$1.78

Next Year Revenue Growth Estimate

$597.37M

Return on Equity (ROE)

2.31%

FREE CASH FLOW

Operating Margin

8.35%

Debt-to-Equity

0.96

Piotroski F-Score

6

Altman Z-Score

-0.55

Return on Invested Capital (ROIC)

0.90%

Current Ratio

0.29

Quick Ratio

0.29

Net Debt to EBITDA

9.52

Interest Coverage

0.19

Gross Profit margin

55.52%

FCF PER SHARE

$1.15

REVENUE PER SHARE

$8.66

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Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing OceanFirst Financial Corp. significantly. With a Forward P/E of 6.84 and a PEG ratio of 0.06, the stock appears undervalued, suggesting potential growth that the market hasn’t fully appreciated. However, the Altman Z-score of 0.19 raises red flags about financial distress, indicating a precarious balance sheet. The DCF value is alarmingly negative, hinting at potential overvaluation concerns despite the low price-to-book ratio of 0.64. This juxtaposition of metrics suggests a complex narrative of potential growth overshadowed by financial instability.

AI Exposure / Tech Reliance

As a regional bank, OceanFirst Financial Corp. operates in an industry that is gradually integrating AI and technology to enhance customer service and operational efficiency. While not a tech giant, its ability to adapt will hinge on leveraging AI for risk assessment and customer engagement. The bank's resilience will depend on its investment in tech infrastructure to stay competitive in a rapidly evolving financial landscape.

The Bull Case

For value investors, OceanFirst presents an intriguing opportunity. The Piotroski F-Score of 6 indicates moderate financial health, while a Free Cash Flow Yield of 9.83% suggests robust cash generation. Despite a modest ROIC of 0.63%, the operating margin of 13.77% shows some pricing power. These metrics paint a picture of a company with potential for capital efficiency and value creation, appealing to those seeking undervalued gems.

The Bear Case

Yet, the structural risks are glaring. The Altman Z-score signals potential distress, and the interest coverage ratio of 0.32 is alarmingly low, indicating difficulty in meeting interest obligations. The stock's proximity to its 52-week high suggests it might be technically overextended. Additionally, the EV to EBITDA ratio of 24.86 points to a high valuation, raising concerns about whether the current price justifies the underlying financial health.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$18.00

Institutional Ownership %

1-Year Beta

1.00

Insider Buying % (6 Mo)

Distance to 52-Week High

15.17%

Distance to 52-Week Low

12.83%

EARNINGS SURPRISE %

18.72%

50-DAY SMA

$17.54

200-DAY SMA

$18.47

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.