Business quality is the primary weakness (avg 27/100). Growth is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
20–25x range, moderate premium
0.8x book, trading near or below equity
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Heavy dilution above 5%
Below 2%, weak capital productivity
10.4% equity/assets, comfortable cushion
OceanFirst Financial (OCFC) quality: score, margins and returns
OceanFirst Financial (OCFC) scores 46/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 6 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is OceanFirst Financial (OCFC) a high-quality business?+
OceanFirst Financial scores 46 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which rates it a mixed business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does OceanFirst Financial's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from OCFC's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where OceanFirst Financial scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 3 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 12 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
National Commercial Banks · Pick stocks to compare with OCFC
Held by ETFs
OCFC is in 48 US ETFs. The largest of them, with OCFC's weight in each:
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.
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