Is OceanFirst Financial Corp. (OCFC) Overvalued?
We dive into why OceanFirst Financial Corp. (OCFC) could be considered overvalued on 2026-08-05, based on AAII’s Value Score and Grade.Rosalio Madrigal
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COMPANY 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.
Commentary & Analysis
What You Need to Know About OceanFirst Financial Corp.'s Q3 Earnings
OceanFirst Financial Corp.'s fiscal Q3 earnings report was released on Thursday, July 30. Let's dive in to see if (OCFC) missed or beat analyst's expectations.Michael Rose
What You Need to Know About OceanFirst Financial Corp.'s Q2 Earnings
OceanFirst Financial Corp.'s fiscal Q2 earnings report was released on Thursday, April 23. Let's dive in to see if (OCFC) missed or beat analyst's expectations.Jenna Brashear
What You Need to Know About OceanFirst Financial Corp.'s Q1 Earnings
OceanFirst Financial Corp.'s fiscal Q1 earnings report was released on Thursday, January 22. Let's dive in to see if (OCFC) missed or beat analyst's expectations.Jenna Brashear
Why OceanFirst Financial Corp.’s (OCFC) Stock Is Up 5.05%
As of Wednesday, January 21, OceanFirst Financial Corp.’s OCFC share price has surged by 5.05%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Financial Summary
| Share Statistics | OCFC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,556.9 | $687.7 | 51% |
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| Shares Out (Mil) | 70.2 | 15.3 | 55% |
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| Institutional Ownership | 96.7% | 84.0% | 71% |
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| Float (Mil) | 84.5 | 21.6 | 57% |
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| Beta | 1.00 | 0.45 | 60% |
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| Avg Daily Volume (000s) | 1,322 | 48 | 75% |
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| Price Change (52-week) |
(14.3%) | 91.0% | 41% |
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| Growth | OCFC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.5% | 7.6% | 30% |
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| Net Income (5yr) | 2.3% | 11.1% | 43% |
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| EPS (5yr) | 2.8% | 10.0% | 35 |
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| Dividends (5yr) | 3.3% | 3.6% | 75% |
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| Cash Flow (5yr) | (60.1%) | (17.2%) | 4% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 7 | 7 | 7 | |
| Current EPS | $0.404 | $1.753 | $2.270 | |
| Month Ago EPS | $0.427 | $1.802 | $2.316 | |
| # Rev Up | 1 | 1 | 2 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.490 | $1.863 | $2.314 | |
| Year/Year Chg | (1,040%) | 50.0% | 123.7% | |
| Financials | OCFC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $428 | $188 | 39% |
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| Net Income (TTM) (Mil) | $48 | $54 | 54% |
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| EPS (TTM) | $0.794 | $2.600 | 58% |
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| Operating Cash Flow (TTM) (Mil) | $122 | $33 | 54% |
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| Net Cash Flow (TTM) (Mil) | $104 | $2 | 78% |
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| Long-Term Debt (Q1) (Mil) | $1,642 | $96 | 72% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | OCFC | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.65 | 1.24 | 14% |
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| P/E | 19.9 | 12.0 | 53% |
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| Dividend Yield | 5.1% | 2.2% | 93% |
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| PEG (5yr hist) | 7.1 | 1.1 | 92% |
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| Ratios | OCFC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 11.2% | 29.2% | 65% |
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| ROA | 0.3% | 1.1% | 40% |
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| ROE | 2.4% | 11.3% | 39% |
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| Liabilities to Assets | 89.6% | 89.7% | 85% |
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| F-Score | 3 | 4 | 18% |
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OceanFirst Financial Corp. did not pass any screens on 10/16/2026.
