Intrinsiqq
OceanFirst Financial Corp. logo

OceanFirst Financial Corp.

OCFC

⊜ Compare

OceanFirst Financial Corp. (the Company ) is incorporated under Delaware law and serves as the holding company for OceanFirst Bank N.A (the Bank ). At December 31, 2025, the Company had consolidated total assets of $14.6 billion and total stockholders equity of $1.7 billion.

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$1.84B
EPS$0.86
P/E22.10
Div. Yield2.50%
Net Margin–
P/Book0.8x
OceanFirst Financial Corp. intrinsic value
52-Week Range
$15.62$20.40

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$48M

▼ -29.1% YoY

Net Margin

–

P/E

22.10

Balance Sheet

Total Assets

$23.27B

Equity

$2.41B

Total Debt

$2.30B

Cash & Equiv.

$274M

Continue Research

Peers

National Commercial Banks · Pick stocks to compare with OCFC

CompareIntrinsic value
SFSTSouthern First Bancshares Inc.
$61.53+2.21%67
WBHCWilson Bank Holding Company
$550.00+0.00%56
CASHPathward Financial, Inc.
$79.01+2.28%77
DCBGDime Commercial Bancshares, Inc.
$26.30+0.00%65
SHBIShore Bancshares Inc.
$23.13+1.40%54
COFCapital One Financial Corporation
$206.31-1.15%69
RFRegions Financial Corporation
$29.03+1.50%79
ONBOld National Bancorp
$25.89+1.85%79

Held by ETFs

OCFC is in 48 US ETFs. The largest of them, with OCFC's weight in each:

OceanFirst Financial (OCFC) in four numbers

Fair value (book value)
$14.20
Price $19.01 is 34% above it.
Intrinsic Value
Quality score
46/100
Best check: book value growth, 8.4%. Weakest: return on equity, 2.0%.
Quality
Dividend (TTM)
$0.80
2.50% yield, not raised in the latest year.
Dividends
P/E
22.10
Price to free cash flow 16.30.
Financials

Questions about OceanFirst Financial

Is OceanFirst Financial (OCFC) overvalued?

At $19.01, OceanFirst Financial's price is 34% above the $14.20 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 22.10 times earnings and 16.30 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is OceanFirst Financial's fair value?

Intrinsiqq's calculator puts OceanFirst Financial's fair value at $14.20 a share. It grows book value per share 3.2% a year for 5 years, applies an exit P/B of 0.6, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $10.65. Every input can be changed on the Intrinsic Value tab.

Is OceanFirst Financial a high-quality business?

OceanFirst Financial scores 46 out of 100 on Intrinsiqq's quality score, which makes it a mixed business on these measures. The score blends 6 checks computed from SEC filings. Its best check is book value growth at 8.4%, and its weakest is return on equity at 2.0%. The Quality tab shows every check against its target.

Does OceanFirst Financial (OCFC) pay a dividend, and how much?

Yes. OceanFirst Financial (OCFC) pays a dividend: $0.80 per share over the last twelve months, a dividend yield of 2.50% at the latest close. Its dividend per share has grown at 3.3% a year over the last 5 years. The payout takes about 95.8% of earnings. The Dividends tab has the full payment history and the safety score.

Source: 10-Q filed 3 Aug 2026 (period ending 30 Jun 2026), SEC. Price: last close 4 Nov 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in OCFC's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

2 of 2 free stocks used today

Keep analysing OCFC

Create a free account and get 14 days of Premium: every stock and every tool.

  • Unlimited stocks
  • Stock screener
  • Portfolio tracker
  • Editable DCF
  • Compare side by side
  • Unlimited alerts

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.