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OceanFirst Financial(NASDAQ) OCFC

Market Cap$1.87BMarket 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)+692%
5 Year+23%
1 Year+20%
1 Month-2%
$19.44
+0.67%
+0.13Today
OceanFirst Financial last closing stock price
MetricPriceDate
Last closeUSD 19.312026-07-31
OceanFirst Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.28%USD 19.562026-07-24
1 month-1.58%USD 19.622026-07-01
3 month+1.52%USD 19.022026-05-01
Year to date+9.89%USD 17.572025-12-31
1 year+20.33%USD 16.052025-07-31
3 year+21.34%USD 15.912023-08-01
5 year+22.88%USD 15.712021-07-30
Since inception+691.64%USD 2.441996-07-03

OceanFirst Financial Financials at a Glance

Market Cap

$1.87BMarket 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)

$709.10M

Net Income (TTM)

$47.90M

EPS (TTM)

$0.85

P/E Ratio

22.71

Dividend

$0.80

Beta (Volatility)

0.87 (Low)

Price

$19.44

Volume

343,094.533

Open

$19.41

Previous Close

$19.31

Daily Range

$19.31 - $19.74

52-Week Range

$16.09 - $20.61

Estimated Earnings Date

Oct 28, 2026

OCFC News

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

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About OceanFirst Financial

OceanFirst helps people and businesses in the Northeast manage their money and get loans. It provides safe places to store savings and offers financing for homes and commercial buildings. The company serves local communities through its bank branches and digital tools.

What OceanFirst Does

  • Commercial Real Estate: Financing for office, industrial, and multi-family buildings managed for investment purposes.
  • Residential Mortgages: Home financing for individuals and families, now provided through a partnership with a national mortgage company.
  • Commercial and Industrial: Financing for business operations, including equipment purchases and credit lines for working capital.
  • Deposit Services: Savings, checking, and money market accounts for retail, business, and government customers.

Strategic Deals and New Directions

  • Entered an agreement to merge with Flushing Financial Corporation in December 2025 to expand its regional footprint.
  • Secured a $225 million equity investment from Warburg Pincus LLC scheduled to close alongside the Flushing merger.
  • Discontinued internal residential and consumer loan originations in October 2025 to focus on a strategic outsourcing partnership.
  • Sold its 60% controlling interest in Trident Abstract Title Agency, LLC in October 2025.
  • Acquired Spring Garden Capital Group, LLC in October 2024 to increase its specialty finance offerings.

What Makes the Bank Different

The bank distinguishes itself from larger competitors by offering local decision-making and personalized customer service. It manages a diverse commercial loan portfolio and uses digital channels to reach customers across major metropolitan areas.

Key Financial Facts

  • Revenue rose 1.6% to $166.5 million in Q1 2026 compared to $163.8 million in Q1 2025.
  • Net income reached $20.5 million in Q1 2026, a 4.7% decrease from the previous year.
  • Operating income for Q1 2026 was $27.1 million, down 4.3% from $28.3 million in Q1 2025.
  • Total deposits reached $10.96 billion at December 31, 2025, up $898 million from the prior year.
  • Free cash flow reached $33.1 million for the period ending December 31, 2025.

Bottom Line

OceanFirst is evolving from a traditional community bank into a larger regional player through major mergers and specialty acquisitions. Its strategy focuses on expanding commercial services while streamlining residential lending through partnerships.

AI Generated • May 1, 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

75.89%

Operating Margin

5.70%

Net Income Margin

6.76%

Return on Equity

2.59%

Return on Capital

2.81%

Return on Assets

0.21%

Earnings Yield

4.40%

Dividend Yield

4.14%

Payout Ratio

98.17%

Stock Overview

Market Cap

$1.87BMarket 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

96.70M

Volume

343.09K

Avg. Volume

973.29K

Financials (TTM)

Gross Profit

$538.12M

Operating Income

$40.43M

EBITDA

$160.11M

Operating Cash Flow

$114.21M

Capital Expenditure

-$7.80M

Free Cash Flow

$106.41M

Cash & ST Invst.

$2.34B

Total Debt

$0.00

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%
Q22026-06-3027.0%
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%
Q22026-06-30-125.0%

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

$211.41M

+27.8%

Gross Profit

$270.80M

+184.5%

Gross Margin

1.28%

N/A

Market Cap

$1.87BMarket 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

$2.02M

N/A

Employees

926

N/A

Net Income

-$3.03M

-115.9%

EBITDA

$82.59M

+190.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$2.34B

+158.4%

Total Debt

$0.00

-100.0%

Accounts Receivable

$16.18B

+36641.5%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

-100.0%

Return on Assets

0.21%

N/A

Return on Invested Capital

0.17%

N/A

Free Cash Flow

$23.26M

+738.6%

Operating Cash Flow

$25.21M

+1511.5%

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Questions About OCFC

What is the current price of OceanFirst Financial?

OceanFirst Financial is trading at $19.51 per share.

What is the 52-week range for OceanFirst Financial?

Over the past 52 weeks, OceanFirst Financial has traded between $16.09 and $20.61.

How much debt does OceanFirst Financial have?

As of the most recent reporting period, OceanFirst Financial reported total debt of $2.29B.

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 4.14%.

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