AccessibilityHelp
OceanFirst Financial logo

OceanFirst Financial(NASDAQ) OCFC

Market Cap$1.59BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1996)+567%
5 Year-9%
1 Year-12%
1 Month-8%
Premium Feature
Moneyball Superscore
56/100
$16.64
+3.35%
+0.54Today
After hours$16.63-$0.01 (-0.09%)
OceanFirst Financial last closing stock price
MetricPriceDate
Last closeUSD 16.102026-10-21
OceanFirst Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.22%USD 15.752026-10-14
1 month-8.37%USD 17.572026-09-21
3 month-16.49%USD 19.282026-07-23
Year to date-7.43%USD 17.392025-12-31
1 year-11.66%USD 18.232025-10-21
3 year+38.96%USD 11.592023-10-20
5 year-9.38%USD 17.772021-10-22
Since inception+566.91%USD 2.411996-07-03

OceanFirst Financial Financials at a Glance

Market Cap

$1.59BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$707.29M

Net Income (TTM)

$47.90M

EPS (TTM)

$0.85

P/E Ratio

18.94

Dividend

$0.80

Beta (Volatility)

0.86 (Low)

Price

$16.64

Volume

1,086,449.799

Open

$16.04

Previous Close

$16.62

Daily Range

$16.00 - $16.65

52-Week Range

$15.60 - $20.61

Estimated Earnings Date

Oct 27, 2026

OCFC News

SellAlert-Green.png

OceanFirst Financial CIO Sells 5,500 Shares at $18.91

Jack DelaneySep 8, 2026
BuyAlert-Red.png

Strategic Value Bank Partners Opens $11.6 Million Position in OceanFirst Financial Ahead of Merger

Andy GouldApr 28, 2026
A

OceanFirst Financial Corporation: A Community Bank Gem Cheaper Than Wells Fargo

Kingkarn AmjaroenJul 31, 2014

The 10 Best Thrifts of 2011

Anand ChokkaveluDec 18, 2011

The 7 Highest Potential Returns in Thrifts and Mortgage Finance

Ilan MoscovitzSep 12, 2011

Smart Money: 6 Small-Cap Stocks Seeing Insider Buying

Kapit allNov 12, 2010

OCFC: Motley Fool Moneyball Superscore

56

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About OceanFirst Financial

OceanFirst Financial Corp. NASDAQ:OCFC helps people save and borrow money. The bank provides loans for homes and small businesses. It serves local communities through branches and digital services.

What OceanFirst Offers

  • Investor Real Estate: Loans for apartment buildings, offices, and retail centers; represents 56.1% of total loans.
  • Commercial and Industrial: Funding for general business operations and industrial properties; represents 22.8% of total loans.
  • Residential Mortgages: Fixed and adjustable-rate loans for one-to-four family homes; represents 19.9% of total loans.
  • Consumer Lending: Personal financing including home equity lines and student loans; represents 1.2% of total loans.

Growth Through Big Moves

  • Acquired Flushing Financial Corporation on June 1, 2026, adding 30 branches and $8.69 billion in assets.
  • Raised $225 million in equity from Warburg Pincus affiliates in June 2026 to support expansion.
  • Repositioned the balance sheet by selling $1.31 billion in multifamily loans in the second quarter of 2026.
  • Donated $5.0 million in stock to the OceanFirst Foundation in June 2026 to support community initiatives.

A Strong Regional Presence

OceanFirst serves customers across a regional footprint that includes New Jersey, New York, and major metropolitan areas from Massachusetts to Virginia. The company maintains capital levels that exceed regulatory requirements for well-capitalized financial institutions.

Results by the Numbers

  • Net interest income rose to $120.7 million for the three-month period ended June 30, 2026, up from $87.6 million year over year.
  • Total assets reached $23.27 billion as of June 30, 2026, primarily due to the acquisition of Flushing Financial Corporation.
  • The net interest margin reached 3.05% for the quarter ended June 30, 2026, up from 2.91% for the same period in 2025.
  • A net loss of $3.0 million was reported for the quarter ended June 30, 2026, including $42.8 million in merger-related expenses.

Company Summary

OceanFirst has transformed through strategic acquisitions and a significant equity investment to become a larger regional banking player. Its evolution focuses on expanding its presence in deposit-rich markets while maintaining a diversified loan portfolio.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

954

CEO

Christopher D. Maher

Website

www.oceanfirst.com

Headquarters

Toms River, NJ 08753-8320, US

OCFC Financials

Key Financial Metrics (TTM)

Gross Margin

54.86%

Operating Margin

9.04%

Net Income Margin

6.77%

Return on Equity

2.59%

Return on Capital

2.81%

Return on Assets

0.21%

Earnings Yield

5.28%

Dividend Yield

4.97%

Payout Ratio

95.77%

Stock Overview

Market Cap

$1.59BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

98.46M

Volume

1.09M

Avg. Volume

1.05M

Financials (TTM)

Gross Profit

$388.06M

Operating Income

$63.91M

EBITDA

$80.86M

Operating Cash Flow

$121.66M

Capital Expenditure

-$8.98M

Free Cash Flow

$112.68M

Cash & ST Invst.

$2.34B

Total Debt

$2.29B

OceanFirst Financial Performance Analysis

OceanFirst Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 481,886,00022.0%
20232023-12-31USD 639,873,00032.8%
20242024-12-31USD 688,078,0007.5%
20252025-12-31USD 686,615,000-0.2%
OceanFirst Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.8%
Q42025-12-31-8.9%
Q12026-03-315.4%
Q22026-06-3025.9%
OceanFirst Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.4236.2%
20232023-12-31USD 1.70-30.0%
20242024-12-31USD 1.65-2.9%
20252025-12-31USD 1.17-29.0%
OceanFirst Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.1%
Q42025-12-31-23.3%
Q12026-03-3156.5%
Q22026-06-30-112.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$209.60M

+26.7%

Gross Profit

$120.73M

+26.9%

Gross Margin

57.60%

N/A

Market Cap

$1.59BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.71M

N/A

Employees

926

N/A

Net Income

-$3.03M

-115.9%

EBITDA

$3.34M

-88.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$2.34B

+158.4%

Total Debt

$2.29B

+90.9%

Accounts Receivable

$91.50M

+107.8%

Inventory

$0.00

N/A

Long Term Debt

$2.23B

+95.8%

Short Term Debt

$61.33M

-0.3%

Return on Assets

0.21%

N/A

Return on Invested Capital

0.28%

N/A

Free Cash Flow

$33.46M

+23.1%

Operating Cash Flow

$36.04M

+26.1%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
FSUNFirstSun Capital Bancorp
$39.53+2.73%
THFFFirst Financial Corporation
$76.18+2.13%
SHBIShore Bancshares, Inc.
$23.38+2.32%
CCBCoastal Financial Corporation
$44.90+3.67%

Trending Stocks

Symbol / CompanyPricePrice Chg
NOKNokia
$7.88-14.81%
SPCXSpace Exploration Technologies
$144.75-9.14%
SOXLDirexion Shares ETF Trust - Direxion Daily Semiconductor Bull 3x ETF
$82.11-20.47%
INTCIntel
$85.49-8.04%

Questions About OCFC

What is the current price of OceanFirst Financial?

OceanFirst Financial is trading at $16.62 per share.

What is the 52-week range for OceanFirst Financial?

Over the past 52 weeks, OceanFirst Financial has traded between $15.60 and $20.61.

How much debt does OceanFirst Financial have?

As of the most recent reporting period, OceanFirst Financial reported total debt of $2.36B.

How much cash does OceanFirst Financial have on hand?

OceanFirst Financial does not have cash on hand data available.

What is OceanFirst Financial’s dividend yield?

OceanFirst Financial currently has a dividend yield of 4.97%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services