OceanFirst Financial (OCFC) Stock Price, News & Analysis

Company Overview

OceanFirst Financial Corp. is the bank holding company for OceanFirst Bank, a community-focused financial institution headquartered in Toms River, New Jersey. OceanFirst Bank provides banking and financial services to individuals, families, businesses and nonprofit organizations through its branch network and digital banking platforms.

The bank’s products and services include checking and savings accounts, certificates of deposit, residential mortgages, home equity loans, consumer lending, commercial real estate financing, business loans and lines of credit. It also provides treasury management, cash management and other deposit and payment services for commercial customers, along with wealth management and investment services.

OceanFirst traces its history to 1902 and has expanded through organic growth and acquisitions. The company primarily serves communities in New Jersey and parts of eastern Pennsylvania, with a focus on relationship-based community banking. Christopher D. Maher serves as OceanFirst Financial’s president and chief executive officer.

Key Stats

• Today's Range: $18.68 to $18.94
• 50-Day Range: $18.53 to $20.25
• 52-Week Range: $17.05 to $20.61
• Volume: 463,615 shs
• Average Volume: 848,809 shs
• Market Capitalization: $1.81 billion
• P/E Ratio: 21.99
• Dividend Yield: 4.28%
• Price Target: $21.50
• Consensus Rating: Hold

OceanFirst Financial Stock Analysis - MarketRank™

OceanFirst Financial scored higher than 82% of companies evaluated by MarketBeat, and ranked 266th out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.6 / 5
• Analyst Rating: Hold

Consensus Rating

OceanFirst Financial has received a consensus rating of Hold. The company's average rating score is 2.17, and is based on no strong buy ratings, 1 buy rating, 5 hold ratings, and no sell ratings.

Upside Potential

OceanFirst Financial has a consensus price target of $21.50, representing about 14.2% upside from its current price of $18.83.

Amount of Analyst Coverage

OceanFirst Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 29.83%

Earnings Growth

Earnings for OceanFirst Financial are expected to grow by 29.83% in the coming year, from $1.81 to $2.35 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of OceanFirst Financial is 22.19, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.17.

Price to Earnings Ratio vs. Sector

The P/E ratio of OceanFirst Financial is 22.19, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.58.

Price to Book Value per Share Ratio

OceanFirst Financial has a P/B Ratio of 0.65. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.16% of the float of OceanFirst Financial has been sold short.

Short Interest Ratio / Days to Cover

OceanFirst Financial has a short interest ratio ("days to cover") of 4.66.

Change versus previous month

Short interest in OceanFirst Financial has recently increased by 14.51%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

OceanFirst Financial is a leading dividend payer. It pays a dividend yield of 4.26%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

OceanFirst Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of OceanFirst Financial is 94.12%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, OceanFirst Financial will have a dividend payout ratio of 34.04% next year. This indicates that OceanFirst Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.74

News Sentiment

OceanFirst Financial has a news sentiment score of 1.74. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.88 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for OceanFirst Financial this week, compared to 3 articles on an average week.

Search Interest

Only 1 people have searched for OCFC on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 1.6 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, OceanFirst Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,305,187.00 in company stock.

Percentage Held by Insiders

5.40% of the stock of OceanFirst Financial is held by insiders.

Percentage Held by Institutions

70.98% of the stock of OceanFirst Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/30/2026
• Record date for 8/21 Dividend: 8/10/2026
• Ex-Dividend for 8/21 Dividend: 8/10/2026
• Dividend Payable: 8/21/2026
• Today: 9/14/2026
• Next Earnings (Estimated): 10/28/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:OCFC
• CIK: 1004702
• Web: www.oceanfirst.com
• Phone: (732) 240-4500
• Fax: 302-655-5049
• Employees: 954
• Year Founded: 1902

Price Target and Rating

• Average Price Target for OceanFirst Financial: $21.50
• High Price Target: $23.00
• Low Price Target: $20.00
• Potential Upside/Downside: +14.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.85
• Trailing P/E Ratio: 22.03
• Forward P/E Ratio: 10.34
• P/E Growth: N/A
• Net Income: $70.98 million
• Net Margins: 6.38%
• Pretax Margin: 8.51%
• Return on Equity: 5.34%
• Return on Assets: 0.59%

Debt

• Debt-to-Equity Ratio: 0.97
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $687.16 million
• Price / Sales: 2.63
• Cash Flow: $1.47 per share
• Price / Cash Flow: 12.70
• Book Value: $28.97 per share
• Price / Book: 0.65

Miscellaneous

• Outstanding Shares: 96,640,000
• Free Float: 91,426,000
• Market Cap: $1.81 billion
• Optionable: Optionable
• Beta: 0.97