OceanFirst Financial Corp. (OCFC) Stock

OceanFirst Financial Corp. (OCFC) is a Financials stock trading at $19.09 (as of 2026-08-20), with a market capitalization of $1.84B and a trailing P/E of 38.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

OceanFirst Financial Corp. is a bank holding company for OceanFirst Bank N.A., offering community banking services to retail, government, and business customers. It accepts deposit accounts and makes loans for commercial real estate, residential mortgages, and consumer purposes, and it provides related investing, bankcard, wealth management, and trust or asset management services.

Understand OceanFirst Financial Corp.: how it makes money

OceanFirst Financial Corp. is the bank holding company for OceanFirst Bank, providing community banking, taking deposits (money market, savings, interest-bearing checking, demand deposits, and time deposits) and making loans across commercial real estate, mortgages (fixed and adjustable), land and construction, and consumer and commercial and industrial lending.

Its profit model is the deposit-to-loan business, it accepts retail, government, and business deposits and then earns from lending to commercial real estate, mortgage, construction, land, and consumer and commercial borrowers.

Business quality (Mixed): Limited to the provided deposit and loan product mix and the latest quarter’s operating margin and revenue, with no official reportable segment or operating KPI data supplied.

Valuation: At 17× earnings, OCFC trades 31% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Broad community banking product set: It takes multiple deposit types from retail, government, and business customers and offers a range of loan products including commercial real estate, mortgages (fixed and adjustable), land and construction, and consumer and commercial lending.

Bear case

  • Credit risk concentrated in real estate and loan categories it funds: Because the loan book includes commercial real estate, multi-family, land, and construction, performance can be pressured if borrowers in these categories experience stress.
  • Sensitivity to borrower and collateral mix: It originates both one-to-four family mortgage loans (fixed and adjustable) and consumer loans such as home equity loans and lines, so outcomes can vary with underlying borrower credit quality and collateral conditions.
Valuation — source: SEC EDGAR (first-party)
Price$19.09
Market Cap$1.84B
P/E Ratio38.5
EV / EBITDA21.0
Price / Book0.77
Price / Sales2.59
FCF Yield6.1%
DCF Value (model)$7.26
DCF Upside vs Price-62.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$642.45M
Net Margin11.0%
Revenue Growth (YoY)35.4%
EPS Growth (YoY)-114.3%
FCF Growth (YoY)23.1%
Valuation vs Sector & Industry
Stock P/E38.5
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector154.5%
vs Industry198.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($121.47M)
Institutional Holders Tracked10
Congressional Trades (recent)6
Company
SectorFinancials
IndustryBanking
CEOChristopher D. Maher
Employees975
CountryUS
IPO Date1996-07-03

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OCFC earnings history · OCFC institutional & insider holders · OCFC KPIs & operating metrics · OCFC financials · OCFC investor presentations & press releases · OCFC SEC filings · OCFC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.