OceanFirst Financial Corp. (OCFC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
OceanFirst Financial Corp. (OCFC) trades at $18.98 with AI Score 65/100 (Grade B+). OceanFirst Financial Corp. Market cap: $1.09B, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for OCFC: OCFC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates OCFC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
OCFC: 1/1 perspectives are bullish.
How is this calculated? →OceanFirst Financial Corp. (OCFC) Financial Services Profile
OceanFirst Financial Corp. is a regional bank holding company delivering community banking services across New Jersey and targeted commercial lending in the broader East Coast region. With a focus on traditional banking, wealth management, and insurance, OceanFirst distinguishes itself through its established local presence and commitment to customer relationships.
What Is the Investment Thesis for OCFC?
OceanFirst Financial Corp. presents a compelling investment case based on its established regional presence, diversified revenue streams, and attractive dividend yield of 4.26%. The company's focus on community banking and strategic commercial lending positions it well to capitalize on growth opportunities in the New Jersey and broader East Coast markets. With a P/E ratio of 14.8 and a profit margin of 10.6%, OceanFirst demonstrates financial stability and profitability. Key catalysts include continued expansion of commercial loan production offices and growth in wealth management services. However, investors should be aware of potential risks such as interest rate sensitivity and competition from larger national banks.
Based on FMP financials and quantitative analysis
OCFC Key Highlights
- Market capitalization of $1.09B reflects a solid valuation within the regional banking sector.
- Profit margin of 10.6% indicates efficient operations and profitability.
- Dividend yield of 4.26% provides an attractive income stream for investors.
- Gross margin of 54.7% demonstrates strong pricing power and efficient cost management.
- Beta of 0.98 suggests lower volatility compared to the overall market.
Who Are OCFC's Competitors?
OCFC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| TKGZY Turkiye Garanti Bankasi A.S. | $0.56 | +0.00% | $2.37B | 65 |
| LYG Lloyds Banking Group plc | $6.17 | +1.73% | $89.65B | 65 |
| BNCC BNCCORP, Inc. | $37.00 | -0.94% | $130.24M | 65 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are OCFC's Key Strengths?
- Strong regional presence in New Jersey.
- Diversified revenue streams.
- Attractive dividend yield.
- Experienced management team.
What Are OCFC's Weaknesses?
- Limited geographic reach compared to national banks.
- Reliance on traditional banking products and services.
- Sensitivity to interest rate fluctuations.
- Smaller market capitalization compared to larger competitors.
What Could Drive OCFC Stock Higher?
- Expansion of commercial loan production offices in key East Coast markets.
- Growth in wealth management services driven by increasing demand.
- Implementation of digital banking technologies to enhance customer experience.
What Are the Key Risks for OCFC?
- Financial-distress signal — its Altman Z-Score of 0.19 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations impacting net interest margin.
- Competition from larger national banks and credit unions.
- Economic downturns leading to increased credit risk.
- Regulatory changes and compliance costs.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for OCFC?
- Expansion of Commercial Loan Production Offices: OceanFirst can expand its commercial loan production offices in strategic locations such as New York City, Philadelphia, Baltimore, and Boston. This expansion will allow the company to increase its commercial lending activities and generate additional revenue. The commercial lending market in these areas is estimated to be worth billions of dollars, providing significant growth potential for OceanFirst. Timeline: Ongoing.
- Growth in Wealth Management Services: OceanFirst can further develop its wealth management services to cater to the growing needs of high-net-worth individuals and families. This includes offering financial planning, investment management, and trust services. The wealth management market is experiencing strong growth, driven by an aging population and increasing wealth accumulation. OceanFirst can leverage its existing customer base and branch network to capture a larger share of this market. Timeline: Ongoing.
- Increased Focus on Digital Banking: OceanFirst can invest in digital banking technologies to enhance the customer experience and attract new customers. This includes offering mobile banking, online account opening, and digital payment solutions. The adoption of digital banking is increasing rapidly, and OceanFirst needs to keep pace with these trends to remain competitive. Timeline: Ongoing.
- Strategic Acquisitions: OceanFirst can pursue strategic acquisitions of other community banks or financial institutions to expand its market presence and increase its assets under management. This can provide access to new markets, customers, and products. The regional banking sector is consolidating, and OceanFirst can play a role in this consolidation. Timeline: Ongoing.
- Development of New Products and Services: OceanFirst can develop new products and services to meet the evolving needs of its customers. This includes offering specialized loan products, insurance products, and investment products. By innovating and diversifying its offerings, OceanFirst can attract new customers and increase its revenue. Timeline: Ongoing.
What Opportunities Does OCFC Have?
- Expansion into new markets through strategic acquisitions.
- Growth in wealth management services.
- Increased adoption of digital banking technologies.
- Development of new products and services.
What Threats Does OCFC Face?
- Competition from larger national banks.
- Regulatory changes and compliance costs.
- Economic downturns and credit risk.
- Cybersecurity threats and data breaches.
What Are OCFC's Competitive Advantages?
- Established regional presence in central and southern New Jersey.
- Strong customer relationships built over a long history.
- Diversified revenue streams from lending, wealth management, and investments.
- Experienced management team with a proven track record.
What Does OCFC Do?
OceanFirst Financial Corp., founded in 1902 and headquartered in Red Bank, New Jersey, operates as the bank holding company for OceanFirst Bank N.A. The bank provides a comprehensive suite of community banking services, including accepting various deposit accounts such as money market, savings, and checking accounts from retail, government, and business customers. Its lending activities encompass commercial real estate, multi-family, land, construction, commercial and industrial loans, as well as fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residences. Additionally, OceanFirst offers consumer loans, including home equity loans and lines of credit, student loans, and loans secured by savings accounts. Beyond traditional banking, OceanFirst invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, and corporate securities. The company also provides bankcard, wealth management, and trust and asset management services, along with alternative investment and life insurance products. As of December 31, 2021, OceanFirst operated through its branch office in Toms River, administrative offices in Red Bank and Mount Laurel, 46 additional branch offices and four deposit production facilities located throughout central and southern New Jersey, and commercial loan production offices in New Jersey, New York City, the Philadelphia area, Baltimore, and Boston. This diversified approach allows OceanFirst to serve a wide range of customer needs while maintaining a strong regional presence.
What Products and Services Does OCFC Offer?
- Accepts deposits from retail, government, and business customers.
- Offers commercial real estate, multi-family, and construction loans.
- Provides commercial and industrial loans.
- Originates fixed-rate and adjustable-rate mortgage loans.
- Offers consumer loans, including home equity loans and student loans.
- Invests in mortgage-backed securities and government securities.
- Provides wealth management and trust services.
- Sells alternative investment products and life insurance products.
How Does OCFC Make Money?
- Generates revenue from interest income on loans.
- Earns fees from wealth management and trust services.
- Receives income from investments in securities.
- Collects fees from bankcard services.
What Industry Does OCFC Operate In?
OceanFirst Financial Corp. operates in the regional banking sector, which is characterized by increasing competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. OceanFirst's focus on community banking and strategic commercial lending allows it to differentiate itself from larger national banks. The regional banking sector is expected to experience moderate growth, driven by increased demand for loans and wealth management services. OceanFirst competes with other regional banks and credit unions, as well as national players, for market share.
Who Are OCFC's Key Customers?
- Retail customers seeking deposit accounts and loans.
- Businesses requiring commercial loans and banking services.
- Government entities needing banking solutions.
- High-net-worth individuals seeking wealth management services.
F-Score 6/9Financial Health
OceanFirst Financial Corp.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.19 places it in the distress zone, a signal of elevated financial risk.
ROE 4%Key Financial Metrics
Return on equity for OceanFirst Financial Corp. stands at 4.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. OCFC trades at a trailing price-to-earnings ratio of 14.84, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 2.77 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 6.6%, the inverse of the P/E and a quick read on earnings relative to price.
OceanFirst Financial Corp. (OCFC) Valuation Context
Valued at $1.09B, OCFC is classified as a small-cap stock. Relative to its peer group, OCFC's quantitative score of 65/100 is roughly in line with the peer average of 71/100.
FY2026 estForward Outlook
Wall Street analysts project OceanFirst Financial Corp. revenue of about $601.0M for fiscal 2026, with EPS near $1.86. The estimate reflects 5 contributing analysts.
OCFC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in OceanFirst's future performance, signaling potential growth.
- Community sentiment has shifted positively, with discussions highlighting the company's strong market position and customer loyalty.
- Analysts have noted improvements in loan origination, indicating a healthy demand for financial products.
- The overall banking sector is showing resilience, which may benefit OceanFirst as it navigates current economic conditions.
Bear Case
- Concerns over rising interest rates could impact margins, leading to cautious sentiment among investors.
- Some community discussions reflect skepticism about the company's ability to adapt to changing regulatory environments.
- Recent earnings reports indicate challenges in non-interest income, raising questions about overall profitability.
- Market perception remains cautious due to broader economic uncertainties, which may overshadow OceanFirst's strengths.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
OCFC Latest News
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Q1 Earnings Highs And Lows: OceanFirst Financial (NASDAQ:OCFC) Vs The Rest Of The Regional Banks Stocks
Yahoo! Finance: OCFC News · May 12, 2026
OCFC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for OCFC.
Price Targets
Wall Street price target analysis for OCFC.
OCFC MoonshotScore
What does this score mean?
The MoonshotScore rates OCFC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest OceanFirst Financial Corp. Analysis
Leadership: Christopher D. Maher
CEO
Christopher D. Maher serves as the CEO of OceanFirst Financial Corp. His career spans several decades in the financial services industry, with extensive experience in banking operations, risk management, and strategic planning. Prior to joining OceanFirst, Maher held leadership positions at various financial institutions, contributing to their growth and profitability. He possesses a strong understanding of the regulatory landscape and the challenges facing the banking sector.
Track Record: Under Christopher D. Maher's leadership, OceanFirst Financial Corp. has experienced significant growth and expansion. He has overseen strategic acquisitions, implemented digital banking initiatives, and enhanced the company's wealth management services. Maher's focus on customer relationships and community engagement has contributed to OceanFirst's strong reputation and market position. He has also successfully navigated the company through challenging economic conditions and regulatory changes.
What Investors Ask About OceanFirst Financial Corp. (OCFC) — Financial Services
What does OceanFirst Financial Corp. do?
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A., providing community banking services to retail, government, and business customers. The company offers a range of deposit accounts, including money market, savings, and checking accounts, as well as various loan products, such as commercial real estate, multi-family, and consumer loans. OceanFirst also provides wealth management, trust, and insurance services, catering to the diverse financial needs of its customers in central and southern New Jersey and the broader East Coast region.
What do analysts say about OCFC stock?
Analyst coverage of OceanFirst Financial Corp. typically focuses on its regional banking operations, asset quality, and profitability. Key valuation metrics such as P/E ratio, dividend yield, and price-to-book value are closely monitored. Growth considerations include the company's ability to expand its commercial lending activities, increase its wealth management services, and manage its interest rate risk. Analyst consensus is generally neutral, reflecting the stability and steady performance of the company.
What are the main risks for OCFC?
The main risks for OceanFirst Financial Corp. include interest rate sensitivity, competition from larger banks, and potential economic downturns. Rising interest rates could negatively impact the company's net interest margin, while increased competition could pressure its market share and profitability. An economic downturn could lead to increased credit risk and loan losses. OceanFirst also faces regulatory risks and cybersecurity threats, which could result in compliance costs and reputational damage. Effective risk management is crucial for the company's long-term success.
How sensitive is OCFC to interest rate changes?
OceanFirst Financial Corp.'s profitability is sensitive to changes in interest rates. As a traditional bank, a significant portion of its revenue comes from the net interest margin, which is the difference between the interest income earned on loans and the interest expense paid on deposits. If interest rates rise, the cost of deposits may increase faster than the yield on loans, potentially compressing the net interest margin. OceanFirst manages this risk through asset-liability management strategies and hedging activities.
What regulatory challenges does OceanFirst Financial Corp. face?
OceanFirst Financial Corp. faces a complex regulatory environment, including compliance with federal and state banking regulations. These regulations cover capital requirements, lending practices, anti-money laundering (AML) compliance, and consumer protection. The company must maintain adequate capital levels to absorb potential losses and comply with various reporting requirements. Regulatory changes can increase compliance costs and impact the company's business operations. OceanFirst has a dedicated compliance team to ensure adherence to all applicable regulations.
What are the key factors to evaluate for OCFC?
OceanFirst Financial Corp. (OCFC) holds an AI score of 65/100 (moderate). P/E: 14.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does OCFC data refresh on this page?
OCFC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven OCFC's recent stock price performance?
OceanFirst Financial Corp. (OCFC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in New Jersey. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest reporting period.