NASDAQ: OCFC
Oceanfirst Financial Corp Stock

$18.54-0.45 (-2.37%)
Updated Jul 11, 2025
OCFC Price
$18.54
Fair Value Price
$22.77
Market Cap
$1.08B
52 Week Low
$14.29
52 Week High
$21.87
P/E
12.12x
P/B
0.63x
P/S
2.66x
PEG
N/A
Dividend Yield
3.24%
Revenue
$371.18M
Earnings
$92.91M
Gross Margin
100%
Operating Margin
32.15%
Profit Margin
23.9%
Debt to Equity
6.79
Operating Cash Flow
$44M
Beta
0.9
Next Earnings
Jul 16, 2025
Ex-Dividend
N/A
Next Dividend
N/A

OCFC Overview

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing demand deposits, and time deposits to retail, government, and business customers. The company 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, overdraft line of credit, loans on savings accounts, and other consumer loans. In addition, it invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, the company offers bankcard, wealth management, and trust and asset management services; and sells alternative investment products and life insurance products. As of December 31, 2021, it operated through its branch office in Toms River; administrative office located 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. The company was founded in 1902 and is based in Red Bank, New Jersey.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine OCFC's potential to beat the market

FStrong Sell
  • Stocks with a Zen Rating of Strong Sell (F) had an average loss of -8.02% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
OCFC
Ranked
#286 of 297

Top Ranked Stocks in Industry

View Top Bank Stocks

Be the first to know about important OCFC news, forecast changes, insider trades & much more!

OCFC News

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how OCFC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

OCFC ($18.54) is undervalued by 18.59% relative to our estimate of its Fair Value price of $22.77 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
OCFC ($18.54) is not significantly undervalued (18.59%) relative to our estimate of its Fair Value price of $22.77 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
OCFC is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more OCFC due diligence checks available for Premium users.

Valuation

OCFC fair value

Fair Value of OCFC stock based on Discounted Cash Flow (DCF)

Price
$18.54
Fair Value
$22.77
Undervalued by
18.59%
OCFC ($18.54) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
OCFC ($18.54) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
OCFC is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

OCFC price to earnings (PE)

For valuing profitable companies with steady earnings

Company
12.12x
Industry
12.62x
Market
30.99x
OCFC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
OCFC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

OCFC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.63x
Industry
1.22x
OCFC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

OCFC's financial health

Profit margin

Revenue
$92.6M
Net Income
$21.5M
Profit Margin
22.2%
OCFC's Earnings (EBIT) of $119.34M... subscribe to Premium to read more.
Interest Coverage Financials
OCFC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$13.3B
Liabilities
$11.6B
Debt to equity
6.79
OCFC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
OCFC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$1.8M
Investing
$123.6M
Financing
-$81.7M
OCFC's operating cash flow ($44.35M)... subscribe to Premium to read more.
Debt Coverage Financials

OCFC vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
OCFCF$1.08B-2.37%12.12x0.63x
PEBOC$1.12B-1.44%9.85x0.98x
FSUND$1.04B-0.35%0.00x0.98x
OBKC$1.16B-1.35%15.16x0.98x
AMALC$997.84M-2.19%9.57x1.36x

Oceanfirst Financial Stock FAQ

What is Oceanfirst Financial's quote symbol?

(NASDAQ: OCFC) Oceanfirst Financial trades on the NASDAQ under the ticker symbol OCFC. Oceanfirst Financial stock quotes can also be displayed as NASDAQ: OCFC.

If you're new to stock investing, here's how to buy Oceanfirst Financial stock.

What is the 52 week high and low for Oceanfirst Financial (NASDAQ: OCFC)?

(NASDAQ: OCFC) Oceanfirst Financial's 52-week high was $21.87, and its 52-week low was $14.29. It is currently -15.23% from its 52-week high and 29.74% from its 52-week low.

How much is Oceanfirst Financial stock worth today?

(NASDAQ: OCFC) Oceanfirst Financial currently has 58,383,525 outstanding shares. With Oceanfirst Financial stock trading at $18.54 per share, the total value of Oceanfirst Financial stock (market capitalization) is $1.08B.

Oceanfirst Financial stock was originally listed at a price of $12.42 in Dec 31, 1997. If you had invested in Oceanfirst Financial stock at $12.42, your return over the last 27 years would have been 49.31%, for an annualized return of 1.5% (not including any dividends or dividend reinvestments).

How much is Oceanfirst Financial's stock price per share?

(NASDAQ: OCFC) Oceanfirst Financial stock price per share is $18.54 today (as of Jul 11, 2025).

What is Oceanfirst Financial's Market Cap?

(NASDAQ: OCFC) Oceanfirst Financial's market cap is $1.08B, as of Jul 14, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Oceanfirst Financial's market cap is calculated by multiplying OCFC's current stock price of $18.54 by OCFC's total outstanding shares of 58,383,525.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.