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OCFC

NEUTRAL
$19.07 Live
OceanFirst Financial Corp. · NASDAQ
Target $21.8 (+14.3%)
$15.59 52W Range $20.61
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 16, 2026
Market cap
$1.09B
P/E
16.16
ROE
4.2%
Profit margin
18.3%
Debt/Equity
N/A
Dividend yield
4.2%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
OCFC presents a classic deep-value profile with a stable Piotroski F-Score of 4/9 and a significant discount to book value (P/B 0.66). While the Graham Number suggests a defensive fair value of $27.75, the growth-based intrinsic value is alarmingly low at $8.26, reflecting a severe -36.20% YoY earnings contraction. The stock exhibits strong 1-year price momentum and a respectable dividend yield, but very low ROE (4.22%) and ROA (0.51%) indicate poor capital efficiency. The valuation is highly attractive, but the fundamental earnings deterioration creates a 'value trap' risk.

Key Strengths

Trading at a deep discount to book value (P/B 0.66)
Current price is significantly below the Graham Number ($27.75)
Strong 1-year price appreciation of 28.5%
Attractive dividend yield of 4.20% with a stable payout
Low forward P/E (7.83) suggests expectations of earnings recovery

Key Risks

Severe YoY earnings decline of -36.20%
Very low ROE (4.22%) and ROA (0.51%) compared to banking peers
Piotroski F-Score of 4/9 indicates only mediocre financial health
Significant gap between growth-based intrinsic value ($8.26) and market price
High dividend payout ratio (68.38%) relative to low profitability
AI Fair Value Estimate
Based on comprehensive analysis
$21.5
+12.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
61
Strong
Value
85
Future
40
Past
60
Health
50
Dividend
70
AI Verdict
Value-Driven Neutral
Key drivers: Deep asset discount, Earnings contraction, Stable health score
Confidence
80%
Value
85/100

Strong value based on book and defensive metrics, though growth metrics suggest overvaluation.

Positives
  • P/B 0.66
  • Price < Graham Number
Watchpoints
  • Low growth-based intrinsic value
Future
40/100

Revenue is growing, but profitability is collapsing.

Positives
  • Revenue growth 9.70%
  • Low forward P/E
Watchpoints
  • Earnings growth -36.20%
  • Q/Q earnings growth -40.20%
Past
60/100

Strong price performance despite deteriorating fundamentals.

Positives
  • 1Y return +28.5%
  • Consistent earnings beats in previous years
Watchpoints
  • Recent trend of earnings misses/declines
Health
50/100

Financial health is stable but lacks the strength of a high-performing regional bank.

Positives
  • Piotroski F-Score 4/9 (Stable)
Watchpoints
  • Low ROE/ROA
  • Lack of Altman Z-Score data
Dividend
70/100

Dividend is a primary attraction but depends on earnings stabilization.

Positives
  • 4.20% yield
  • Consistent payout
Watchpoints
  • Payout ratio 68.38% is high given low ROE

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$19.07
Analyst Target
$21.8
Upside/Downside
+14.3%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for OCFC and closest competitors.

Updated 2026-04-15
OCF
OceanFirst Financial Corp.
Primary
5Y
+0.4%
3Y
+24.9%
1Y
+28.5%
6M
+5.6%
1M
+6.8%
1W
+0.5%
MFI
MidCap Financial Investment Corporation
Peer
5Y
+50.0%
3Y
+48.5%
1Y
+19.2%
6M
+7.2%
1M
+14.0%
1W
+2.0%
ASS
Strive Asset Management, LLC
Peer
5Y
-95.1%
3Y
-95.1%
1Y
-17.8%
6M
-78.9%
1M
+1.0%
1W
-8.1%
JCA
Jefferson Capital, Inc.
Peer
5Y
+11.9%
3Y
+11.9%
1Y
+11.9%
6M
+17.2%
1M
-2.5%
1W
+3.0%
BIT
Bitfarms Ltd.
Peer
5Y
-63.7%
3Y
+89.7%
1Y
+133.5%
6M
-34.8%
1M
-16.4%
1W
-20.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
16.16
Forward P/E
7.83
PEG Ratio
N/A
P/B Ratio
0.66
P/S Ratio
2.82
EV/Revenue
6.89
EV/EBITDA
N/A
Market Cap
$1.09B

Profitability

Profit margins and return metrics

Profit Margin 18.26%
Operating Margin 32.15%
Gross Margin N/A
ROE 4.22%
ROA 0.51%

Growth

Revenue and earnings growth rates

Revenue Growth +9.7%
Earnings Growth -36.2%
Q/Q Revenue Growth +9.72%
Q/Q Earnings Growth -40.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.37

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
12.6%
Total Assets
$14.6B
Liabilities
$12.9B
Equity
$1.7B
Debt/Equity
7.76x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23
$N/A
2026-01-22
$0.41
+12.3% surprise
2025-10-22
$0.36
+1.1% surprise
2025-07-24
$0.31
-7.0% surprise

Financial Services Sector Comparison

Comparing OCFC against 500 companies in the Financial Services sector (90 bullish, 207 neutral, 203 bearish)
P/E Ratio
16.16
This Stock
vs
45.14
Sector Avg
-64.2% (Discount)
Return on Equity (ROE)
4.22%
This Stock
vs
-0.0%
Sector Avg
-98560.1% (Below Avg)
Profit Margin
18.26%
This Stock
vs
48.63%
Sector Avg
-62.5% (Weaker)
Revenue Growth
9.7%
This Stock
vs
36.71%
Sector Avg
-73.6% (Slower)

Similar Companies

Peer comparison within the same industry

OCFC OceanFirst...
NEUTRAL
Mkt Cap
$1.1B
P/E
16.2
ROE
4.2%
Price
$19.07
MFIC MidCap...
BEARISH
Mkt Cap
$1.1B
P/E
17.3
ROE
4.7%
Price
$11.78
 Compare with OCFC
ASST Strive Asset...
BEARISH
Mkt Cap
$1.1B
P/E
-
ROE
-%
Price
$0.87
 Compare with OCFC
JCAP Jefferson Capital, Inc.
NEUTRAL
Mkt Cap
$1.1B
P/E
3.5
ROE
43.8%
Price
$20.01
 Compare with OCFC
BITF Bitfarms Ltd.
NEUTRAL
Mkt Cap
$1.1B
P/E
-
ROE
-12.5%
Price
$1.84
 Compare with OCFC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

COSCIA ANTHONY R
Director
Stock Award
2026-02-27
2,769 shares
TORRES GRACE C
Director
Stock Award
2026-02-27
2,769 shares
ESTEP MICHELE B
Officer of Subsidiary Company
Stock Award
2026-02-27
34,609 shares
MAHER CHRISTOPHER D
Chief Executive Officer
Stock Award
2026-02-27
72,259 shares
KATSOULIS NICOS
Director
Stock Award
2026-02-27
2,769 shares
LEBEL JOSEPH J III
Chief Operating Officer
Stock Award
2026-02-27
65,756 shares
TSIMBINOS STEVEN JAMES
Officer
Stock Award
2026-02-27
34,609 shares
BARRETT PATRICK SEAN
Chief Financial Officer
Stock Award
2026-02-27
38,068 shares
SCOPELLITE STEVEN
Director
Stock Award
2026-02-27
2,769 shares
FARRIS JACK M
Director
Stock Award
2026-02-27
2,769 shares
GUADAGNO KIMBERLY M
Director
Stock Award
2026-02-27
2,769 shares
MURPHY JOSEPH M JR
Director
Stock Award
2026-02-27
2,769 shares
TURNER PATRICIA LYNNE M.D.
Director
Stock Award
2026-02-27
2,769 shares
SCHAEFFER BRIAN
Officer of Subsidiary Company
Stock Award
2026-02-27
25,609 shares
BARROS JOHN F
Director
Stock Award
2026-02-27
2,769 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
5 analysts
Raymond James
2025-10-27
reit
Strong Buy Strong Buy

Past News Coverage

Recent headlines mentioning OCFC from our newsroom.

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