OCFC Financial Services

OceanFirst Financial Corp.

$18.34-1.77%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 1.8B USD
Full-time employees: 898

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #763 of 791 banks & insurance companies (bottom 4%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 82% of peers on book value, but only 10% on earnings.
Relative to its book value, OceanFirst Financial looks cheaper than 82% of peers; relative to its earnings, cheaper than only 10%. The valuation score blends the two, so look at which measure fits this business best.
Swings more than its peers. Beta 0.95: swings more than most peers, though less than the market.
OceanFirst Financial's shares have swung more with the market than most peers' (beta 0.95).

StockQuotient Score

13/ 100▼ 3 since Oct 27 close

Oct 5 19 → Nov 4 13 (-6)

Valuation

Is the price right?

32/100

Weak▼ 8 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: ▼ Weaker

Share count up 67.8% (existing holders diluted)

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 40 → 32

Share price +10.0%-8

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield136.0%

SEC filings · latest balance sheetReported value40% base weight · Z-score 1.99Sector median: 0.7950 · MAD: 0.2843

Earnings yield2.5%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -2.14Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield6.4%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

0/100

Weak

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-68.7%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile100% base weight · Z-score -3.12Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth-2.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth5.4%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

7/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.2%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.58Sector median: 0.0117 · MAD: 0.0062

Return on equity1.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -2.30Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about OceanFirst Financial

Is OceanFirst Financial getting weaker?: Its latest SEC filing (Aug 7, 2026) got weaker in some ways: share count up 67.8%. Its overall score is 13/100, down 3 since Oct 28, 2026.
How is OceanFirst Financial valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 32/100 against 950 banks & insurance peers. Book yield 136.0% vs a peer median of 79.5% (stronger than 82% of peers).Book yield 136.0% vs peers 79.5% (stronger than 82% of peers). Earnings yield 2.5% vs a peer median of 7.9% (weaker than 90% of peers).Earnings yield 2.5% vs peers 7.9% (weaker than 90% of peers).
Is OceanFirst Financial growing?: More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -68.7% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -68.7% vs peers 16.0% (weaker than 100% of peers).
How profitable is OceanFirst Financial?: Less profitable than most of its peers. Profitability scores 7/100 against 950 banks & insurance peers. Return on equity 1.8% vs a peer median of 10.7% (weaker than 93% of peers).Return on equity 1.8% vs peers 10.7% (weaker than 93% of peers).
How risky is OceanFirst Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 7, 2026 · compared with the quarter ended Mar 31, 2026

Got weaker

Share count up 67.8% (existing holders diluted)

Worth watching: OceanFirst Financial is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.

	Previous quarter	Latest quarter	Change
Net income (12 months)	66.1M USD	44.0M USD	−33.4%
Free cash flow (12 months)	106.4M USD	112.7M USD	+5.9%
Debt	1.5B USD	2.3B USD	+52.2%
Cash	137.0M USD	274.1M USD	+100.1%
Shares outstanding	57.6M	96.6M	+67.8%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	0.9%	1.1%	0.8%	0.7%	0.5%	▼ 0.3 pts
Return on equity (ROE)	7.3%	9.3%	6.3%	5.9%	4.3%	▼ 1.6 pts
Debt to equity	0.23×	0.93×	0.67×	0.78×	1.03×	▲ 31%

OCFC price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #763 of 791 banks & insurance companies (bottom 4%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 82% of peers on book value, but only 10% on earnings.

Relative to its book value, OceanFirst Financial looks cheaper than 82% of peers; relative to its earnings, cheaper than only 10%. The valuation score blends the two, so look at which measure fits this business best.

Swings more than its peers. Beta 0.95: swings more than most peers, though less than the market.

OceanFirst Financial's shares have swung more with the market than most peers' (beta 0.95).

Questions investors ask about OceanFirst Financial

Is OceanFirst Financial getting weaker?

Its latest SEC filing (Aug 7, 2026) got weaker in some ways: share count up 67.8%. Its overall score is 13/100, down 3 since Oct 28, 2026.

How is OceanFirst Financial valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 32/100 against 950 banks & insurance peers. Book yield 136.0% vs a peer median of 79.5% (stronger than 82% of peers).Book yield 136.0% vs peers 79.5% (stronger than 82% of peers). Earnings yield 2.5% vs a peer median of 7.9% (weaker than 90% of peers).Earnings yield 2.5% vs peers 7.9% (weaker than 90% of peers).

Is OceanFirst Financial growing?

More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -68.7% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -68.7% vs peers 16.0% (weaker than 100% of peers).

How profitable is OceanFirst Financial?

Less profitable than most of its peers. Profitability scores 7/100 against 950 banks & insurance peers. Return on equity 1.8% vs a peer median of 10.7% (weaker than 93% of peers).Return on equity 1.8% vs peers 10.7% (weaker than 93% of peers).

How risky is OceanFirst Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

66.1M USD

44.0M USD

−33.4%

Free cash flow (12 months)

106.4M USD

112.7M USD

+5.9%

Debt

1.5B USD

2.3B USD

+52.2%

Cash

137.0M USD

274.1M USD

+100.1%

Shares outstanding

57.6M

96.6M

+67.8%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

0.9%

1.1%

0.8%

0.7%

0.5%

▼ 0.3 pts

Return on equity (ROE)

7.3%

9.3%

6.3%

5.9%

4.3%

▼ 1.6 pts

Debt to equity

0.23×

0.93×

0.67×

0.78×

1.03×

▲ 31%