OceanFirst Financial Corp.

OceanFirst Financial Corp.

OCFC
OceanFirst Financial Corp.US flagNASDAQ Global Select
17.56
USD
-0.49
- -
1.01BMarket Cap
OceanFirst Financial Corp.
OCFC
(NASDAQ Global Select)

Recent

price

17.56

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.03
5.03
5.06
4.74
5.31
5.51
5.99
6
5.8
5.82
6.13
5.93
7.35
6.76
6.52
6.97
7.09
Revenue per Share
1.12
1.14
1.13
0.96
1.19
1.22
1
1.32
1.54
1.77
1.02
1.79
2.43
1.7
1.65
1.2
1.21
Basic EPS, GAAP
2.06
0.84
1.6
1.83
1.41
1.47
1.16
0.98
1.73
1.9
1.97
1.99
3.91
1.98
1.45
1.38
1.86
Free Cash Flow per Basic Share
0.48
0.48
0.48
0.48
0.49
0.52
0.55
0.6
0.63
0.68
0.72
0.75
0.81
0.87
0.87
0.84
0.82
Dividend per Share
9.65
10.28
11.19
12.1
13.07
13.82
10.33
8.45
6.53
7.16
6.32
7.46
9.21
10.06
11.02
11.55
11.76
Book Value per Share
10.78
11.65
12.4
12.56
13.08
14.24
18.01
13.78
14.62
15.21
16.02
16.8
18.15
19.45
20.01
19.78
20
Tangible Book Value per Share
18
18
18
17
17
17
23
32
47
50
60
59
59
59
58
57
57
Basic Weighted Avg Shares
91
91
90
81
89
91
138
193
271
292
367
352
432
399
380
400
406
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
4
4
4
4
4
6
8
13
12
15
15
16
16
15
14
15
Depreciation Expense
20
21
20
16
20
20
23
42
72
89
63
110
147
104
100
71
70
Net Income, GAAP
33.79
35.61
35.31
34.53
34.75
34.88
34.53
34.99
15.87
17.5
21.88
22.61
24.01
23.91
23.16
23.23
23.25
Effective Tax Rate (%)
22.35
22.68
22.3
20.17
22.49
22.22
16.66
22.04
26.53
30.31
17.24
31.26
33.97
26.09
26.35
17.73
17.25
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
265
294
252
202
333
347
307
345
549
616
235
229
1,407
975
1,199
1,580
1,436
LT Debt
201
217
220
214
218
238
572
602
1,039
1,153
1,484
1,517
1,585
1,662
1,703
1,663
1,669
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.04
11.46
10.39
8.06
9.38
9.08
9.85
16.66
24.94
26.65
16.59
25.81
28.98
17.63
15.55
10.57
10.42
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
1,904
1,579
1,436
LT Finance Leases
- -
1
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
57
57
58
Market Capitalization
1,014
1,031
1,032

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,536
1,367
1,318
Accounts Receivable, Net
48
49
50
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
26.91%
2.33%
-2.36%
Free Cash Flow
- -
- -
-6.1%
Net Income, GAAP
20.68%
9.03%
-29.07%
Sales/Revenue/Turnover
17.62%
2.3%
5.41%
Total Cash Common Dividend
19.94%
2.62%
-1.33%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
97
92
96
94
380
2025
97
98
102
104
400
2026
102
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.47
0.4
0.42
0.36
1.65
2025
0.35
0.31
0.3
0.23
1.2
2026
0.36
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.22
0.22
0.22
0.22
0.87
2025
0.22
0.22
0.2
0.2
0.84
2026
0.2
- -
- -
- -
- -
Business
OceanFirst Financial Corp. (NASDAQ: OCFC) operates as the holding company for OceanFirst Bank N.A., a regional community bank founded in 1902 and headquartered in Red Bank, New Jersey. OceanFirst Bank provides a comprehensive range of financial services to retail, small business, commercial, and institutional customers through branches primarily in New Jersey, the Philadelphia metropolitan area, New York City, Baltimore, Boston, and the Greater Washington D.C. area; it offers deposit products including money market accounts, savings accounts, interest-bearing and non-interest-bearing checking accounts, time deposits, and brokered deposits; lending solutions encompassing commercial real estate loans, multi-family and land loans, construction loans, commercial and industrial loans, fixed-rate and adjustable-rate one-to-four family residential mortgages, home equity loans and lines of credit, student loans, overdraft lines, loans on savings accounts, and other consumer loans; treasury management services featuring receivables and payables processing, liquidity strategies, online and mobile merchant services, commercial credit cards, equipment loans, lines of credit, fraud prevention, OFBCONNECT, OFBESCROW, and remote deposit capture; wealth management, trust and asset management, fiduciary services, charitable and estate planning; alternative investment and life insurance products; and digital banking tools such as mobile apps, online banking, Bill Pay, Zelle, Tap to Pay, and Video Teller services at ATMs. The bank invests in mortgage-backed securities, U.S. government and agency securities, corporate securities, and other investment instruments to generate interest income. In recent developments, OceanFirst announced a 2025 stock repurchase program on July 16, 2025, authorizing the buyback of up to 3 million shares, or approximately 5% of outstanding common stock, to enhance capital deployment flexibility alongside organic growth and shareholder returns; it also partnered with Embrace Home Loans in late 2025 to originate residential mortgages, shifting from in-house operations, reducing employee headcount by 114 positions, and lowering operating expenses entering 2026 while maintaining customer access to financing.

Company News

APIChat
  • OceanFirst adds $225M capital after Flushing deal

  • OceanFirst adds $225M capital after Flushing deal

  • OceanFirst Financial Corp. Completes Merger with Flushing Financial Corporation and $225 Million Strategic Investment from Warburg Pincus

  • OceanFirst Financial Corp. Completes Merger with Flushing Financial Corporation and $225 Million Strategic Investment from Warburg Pincus

  • OceanFirst Financial Shareholders Approve All Proposals as Flushing Deal Shapes Growth

  • OceanFirst Financial Corp. and Flushing Financial Corporation Announce Receipt of All Requisite Regulatory and Shareholder Approvals to Complete Proposed Merger and Annual Meeting Date

  • OceanFirst Financial: Rare Discount To Tangible Book Ahead Of Merger

  • OceanFirst Financial Corp. (OCFC) Q1 2026 Earnings Call Transcript

  • Here's What Key Metrics Tell Us About OceanFirst (OCFC) Q1 Earnings

  • OceanFirst Financial (OCFC) Q1 Earnings Beat Estimates

  • OceanFirst Financial Corp. Announces First Quarter Financial Results

  • OceanFirst Financial (OCFC) Reports Next Week: Wall Street Expects Earnings Growth

  • OceanFirst Financial Corp. Declares Quarterly Cash Dividend for Common Stock

  • OceanFirst Financial Corp. and Flushing Financial Corporation Announce Receipt of the Requisite Shareholder Approvals for Pending Merger Transaction

  • Banner (NASDAQ:BANR) vs. OceanFirst Financial (NASDAQ:OCFC) Critical Analysis

  • OceanFirst Financial Corp. Schedules Earnings Conference Call

  • Flushing Financial Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Flushing Financial Corp. - FFIC

  • Thrivent Financial for Lutherans Has $178,000 Stock Position in OceanFirst Financial Corp. $OCFC

  • OceanFirst Financial Corp. (NASDAQ:OCFC) Short Interest Update

  • Are CCO, OCFC, MPX, FFIC Obtaining Fair Deals for their Shareholders?