OCFC
Neutral signalScored 2026-10-31 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
OceanFirst Financial Corp.
- Nom
- OceanFirst Financial Corp.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $1.7B
- Employés
- 926
- PDG
- Christopher D. Maher
- Site web
- https://www.oceanfirst.com
- Marché
- BANFCCBFBIZFBNCFFBCFSUN
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard services, trust and asset management products and services, deposit account services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The company was founded in 1902 and is headquartered in Toms River, New Jersey.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 5000 titres (~89500 USD)
- Insiders
- Barrett Patrick Sean
- Total bought
-
$89,500
Avg buy (VWAP, 90d window) $17.90 vs last close —
- Total sold
-
$2,305,568
Avg sell (VWAP, 90d window) $19.38 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-30
- Last synced
-
2026-10-31 10:06:03
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-30 | Barrett Patrick Sean | Buy · P P · 10b5-1: not stated | 5,000 | $17.90 | ≈ $89,500 | Form 4 |
| 2026-08-31 | Schaeffer Brian | Sell · S S · 10b5-1: not stated | 5,500 | $18.91 | ≈ $103,978 | Form 4 |
| 2026-08-07 | BURAN JOHN R | Sell · S S · 10b5-1: not stated | 113,463 | $19.40 | ≈ $2,201,591 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2024-04-15 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2024-03-14 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2024-01-11 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2023-12-11 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2021-02-26 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-11-03 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-10-23 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-10-31 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
OCFC presents a moderate catalyst signal (insider buy post-earnings beat and Flushing Financial integration) but is severely undermined by critical liquidity stress, with current/quick ratios below 0.13 and an interest…
The first sentence of the analysis written for OCFC on 2026-10-31 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Congress Supports a bullish reading. 2 purchase disclosures year to date
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.13 · operating margin 14% — readings disagree
Recent news
- 2026-10-28 OceanFirst Financial Corp. (OCFC) Q3 2026 Earnings Call Transcript OceanFirst Financial Corp. ( OCFC ) Q3 2026 Earnings Call October 28, 2026 8:00 AM EDT Company Participants Alfred Goon - Senior VP of Corporate Development, Strategy & Investor Relations Christopher Maher - CEO & Director Joseph Lebel - President, COO & Director Patrick Barrett - Senior EVP & CFO Conference Call Participants Daniel Tamayo - Raymond James & Associates, Inc., Research Division Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Peter Winter - D.A. Davidson & Co., Research Division David Bishop - Hovde Group, LLC, Research Division Christopher Marinac - Brean Capital, LLC, Research Division Manuel Navas - Piper Sandler & Co., Research Division Matthew Breese - Stephens Inc., Research Division Presentation Alfred Goon Senior VP of Corporate Development, Strategy & Investor Relations Good morning, and welcome to the OceanFirst Third Quarter Earnings Call.
- 2026-10-28 What OceanFirst Financial (OCFC) Said on Its Q3 Earnings Call OceanFirst Financial NASDAQ: OCFC reported third-quarter results reflecting its first full quarter as a combined company following the acquisition of Flushing Financial Corp., with management citing loan and deposit growth, expanding net interest income and progress on merger-related cost savings.
- 2026-10-27 OceanFirst Financial (OCFC) Q3 Earnings and Revenues Top Estimates OceanFirst Financial (OCFC) came out with quarterly earnings of $0.48 per share, beating the Zacks Consensus Estimate of $0.4 per share. This compares to earnings of $0.36 per share a year ago.
- 2026-10-27 OceanFirst (OCFC) Reports Q3 Earnings: What Key Metrics Have to Say The headline numbers for OceanFirst (OCFC) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-10-27 OceanFirst Financial Corp. Announces Third Quarter Financial Results RED BANK, N.J., Oct. 27, 2026 (GLOBE NEWSWIRE) -- OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst Bank N.A. (the “Bank”), reported net income available for common stockholders of $16.5 million, or $0.17 per diluted share1, for the three months ended September 30, 2026, as compared to $17.3 million, or $0.30 per diluted share, for the corresponding prior year period, and a net loss of $3.0 million, or $0.04 per diluted share, for the linked quarter. For the nine months ended September 30, 2026, the Company reported net income available to common stockholders of $33.9 million, or $0.45 per diluted share, as compared to $54.0 million, or $0.94 per diluted share, for the corresponding prior year period. Selected performance metrics are as follows (refer to “Selected Quarterly Financial Data” for additional information):
- 2026-10-20 OceanFirst Financial (OCFC) Earnings Expected to Grow: What to Know Ahead of Next Week''s Release OceanFirst (OCFC) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-19 Head to Head Review: OceanFirst Financial (NASDAQ:OCFC) versus Stock Yards Bancorp (NASDAQ:SYBT) Stock Yards Bancorp (NASDAQ: SYBT - Get Free Report) and OceanFirst Financial (NASDAQ: OCFC - Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, risk, valuation, profitability and institutional ownership. Volatility and Risk Stock Yards Bancorp has
- 2026-10-05 OceanFirst Financial Corp. Schedules Third Quarter 2026 Earnings Conference Call RED BANK, N.J., Oct. 05, 2026 (GLOBE NEWSWIRE) -- OceanFirst Financial Corp. (NASDAQ: OCFC) (the “Company”), the holding company for OceanFirst Bank N.A. (the “Bank”), today announced that it will release its third quarter 2026 financial results after the market close on Tuesday, October 27, 2026. Management will host a conference call to discuss the results at 8:00 a.m. Eastern Time on Wednesday, October 28, 2026.
- 2026-09-15 Head to Head Analysis: Hancock Whitney (NASDAQ:HWC) and OceanFirst Financial (NASDAQ:OCFC) Hancock Whitney (NASDAQ: HWC - Get Free Report) and OceanFirst Financial (NASDAQ: OCFC - Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their risk, valuation, profitability, earnings, dividends, analyst recommendations and institutional ownership. Risk and Volatility Hancock Whitney has a beta
- 2026-09-08 OceanFirst Financial CIO Sells 5,500 Shares at $18.91 The sale was valued at $104,005. The transaction size equaled 6% of the equity stake held by the insider before the filing.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 54.5% | 54.1% | 59.8% | 87.3% | 93.6% | |
| Ebit Margin | 14.1% | 19.0% | 21.5% | 40.0% | 36.6% | |
| Ebitda Margin | 16.2% | 21.1% | 24.0% | 43.4% | 40.4% | |
| Operating Profit Margin | 14.1% | 19.0% | 21.5% | 40.0% | 36.6% | |
| Pretax Profit Margin | 14.1% | 19.0% | 21.5% | 40.0% | 36.6% | |
| Continuous Operations Profit Margin | 10.8% | 14.6% | 16.3% | 30.4% | 28.3% | |
| Net Profit Margin | 10.8% | 14.5% | 16.3% | 30.2% | 28.3% | |
| Bottom Line Profit Margin | 10.2% | 14.0% | 15.7% | 29.4% | 27.3% | |
| Current Ratio | 0.129 | 0.098 | 0.091 | 0.069 | 0.082 | |
| Quick Ratio | 0.129 | 0.098 | 0.091 | 0.069 | 0.082 | |
| Solvency Ratio | 0.007 | 0.010 | 0.010 | 0.014 | 0.012 | |
| Cash Ratio | 0.012 | 0.012 | 0.015 | 0.017 | 0.021 | |
| Price To Earnings Ratio | 15.342 | 10.970 | 10.324 | 8.745 | 12.402 | |
| Price To Earnings Growth Ratio | -0.527 | -3.730 | -0.344 | 0.245 | 0.164 | |
| Forward Price To Earnings Growth Ratio | -0.527 | -3.730 | -0.344 | 0.245 | 0.164 | |
| Price To Earnings Diluted Ratio | 15.342 | 10.970 | 10.324 | 8.781 | 12.472 | |
| Price To Earnings Diluted Growth Ratio | -0.527 | -3.730 | -0.347 | 0.244 | 0.167 | |
| Price To Book Ratio | 0.620 | 0.620 | 0.623 | 0.788 | 0.870 | |
| Price To Sales Ratio | 1.572 | 1.534 | 1.624 | 2.572 | 3.392 | |
| Price To Free Cash Flow Ratio | 12.963 | 12.461 | 8.876 | 5.437 | 11.183 | |
| Price To Operating Cash Flow Ratio | 11.818 | 11.439 | 8.326 | 4.983 | 8.244 | |
| Debt To Assets Ratio | 0.112 | 0.094 | 0.077 | 0.113 | 0.030 | |
| Debt To Equity Ratio | 0.983 | 0.740 | 0.631 | 0.932 | 0.231 | |
| Debt To Capital Ratio | 0.496 | 0.425 | 0.387 | 0.483 | 0.187 | |
| Long Term Debt To Capital Ratio | 0.487 | 0.413 | 0.369 | 0.470 | 0.131 | |
| Financial Leverage Ratio | 8.760 | 7.887 | 8.150 | 8.269 | 7.741 | |
| Working Capital Turnover Ratio | -0.070 | -0.074 | -0.068 | -0.054 | -0.045 | |
| Operating Cash Flow Ratio | 0.008 | 0.009 | 0.012 | 0.026 | 0.016 | |
| Operating Cash Flow Sales Ratio | 0.133 | 0.134 | 0.195 | 0.516 | 0.411 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.912 | 0.918 | 0.938 | 0.917 | 0.737 | |
| Debt Service Coverage Ratio | 0.252 | 0.312 | 0.387 | 1.334 | 0.803 | |
| Interest Coverage Ratio | 0.328 | 0.424 | 0.574 | 3.611 | 3.870 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.602 | 1.523 | 1.699 | 3.625 | 1.347 | |
| Operating Cash Flow Coverage Ratio | 0.053 | 0.073 | 0.119 | 0.169 | 0.457 | |
| Capital Expenditure Coverage Ratio | 11.326 | 12.190 | 16.121 | 11.986 | 3.805 | |
| Dividend Paid And Capex Coverage Ratio | 1.559 | 1.578 | 2.107 | 3.661 | 1.848 | |
| Dividend Payout Ratio | 0.680 | 0.508 | 0.493 | 0.324 | 0.404 | |
| Enterprise Value Multiple | 23.770 | 15.091 | 12.593 | 12.156 | 9.315 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 54.5% | ▲0.4% | ▼-15.4% |
| Ebit Margin | 14.1% | ▼-4.9% | ▼-12.1% |
| Ebitda Margin | 16.2% | ▼-4.9% | ▼-12.8% |
| Operating Profit Margin | 14.1% | ▼-4.9% | ▼-12.1% |
| Pretax Profit Margin | 14.1% | ▼-4.9% | ▼-12.1% |
| Continuous Operations Profit Margin | 10.8% | ▼-3.8% | ▼-9.2% |
| Net Profit Margin | 10.8% | ▼-3.7% | ▼-9.2% |
| Bottom Line Profit Margin | 10.2% | ▼-3.7% | ▼-9.1% |
| Current Ratio | 0.129 | ▲0.030 | ▲0.035 |
| Quick Ratio | 0.129 | ▲0.030 | ▲0.035 |
| Solvency Ratio | 0.007 | ▼-0.003 | ▼-0.004 |
| Cash Ratio | 0.012 | ▲0.000 | ▼-0.003 |
| Price To Earnings Ratio | 15.342 | ▲4.372 | ▲3.785 |
| Price To Earnings Growth Ratio | -0.527 | ▲3.202 | ▲0.311 |
| Forward Price To Earnings Growth Ratio | -0.527 | ▲3.202 | ▲0.311 |
| Price To Earnings Diluted Ratio | 15.342 | ▲4.372 | ▲3.764 |
| Price To Earnings Diluted Growth Ratio | -0.527 | ▲3.202 | ▲0.311 |
| Price To Book Ratio | 0.620 | ▼-0.000 | ▼-0.084 |
| Price To Sales Ratio | 1.572 | ▲0.038 | ▼-0.567 |
| Price To Free Cash Flow Ratio | 12.963 | ▲0.501 | ▲2.779 |
| Price To Operating Cash Flow Ratio | 11.818 | ▲0.379 | ▲2.856 |
| Debt To Assets Ratio | 0.112 | ▲0.018 | ▲0.027 |
| Debt To Equity Ratio | 0.983 | ▲0.243 | ▲0.280 |
| Debt To Capital Ratio | 0.496 | ▲0.070 | ▲0.100 |
| Long Term Debt To Capital Ratio | 0.487 | ▲0.074 | ▲0.113 |
| Financial Leverage Ratio | 8.760 | ▲0.873 | ▲0.599 |
| Working Capital Turnover Ratio | -0.070 | ▲0.004 | ▼-0.008 |
| Operating Cash Flow Ratio | 0.008 | ▼-0.001 | ▼-0.006 |
| Operating Cash Flow Sales Ratio | 0.133 | ▼-0.001 | ▼-0.145 |
| Free Cash Flow Operating Cash Flow Ratio | 0.912 | ▼-0.006 | ▲0.027 |
| Debt Service Coverage Ratio | 0.252 | ▼-0.059 | ▼-0.365 |
| Interest Coverage Ratio | 0.328 | ▼-0.096 | ▼-1.434 |
| Short Term Operating Cash Flow Coverage Ratio | 1.602 | ▲0.079 | ▼-0.357 |
| Operating Cash Flow Coverage Ratio | 0.053 | ▼-0.020 | ▼-0.121 |
| Capital Expenditure Coverage Ratio | 11.326 | ▼-0.864 | ▲0.240 |
| Dividend Paid And Capex Coverage Ratio | 1.559 | ▼-0.019 | ▼-0.592 |
| Dividend Payout Ratio | 0.680 | ▲0.171 | ▲0.198 |
| Enterprise Value Multiple | 23.770 | ▲8.679 | ▲9.185 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.03B | $1.06B | $1.03B | $1.25B | $1.32B | |
| Enterprise value | $2.53B | $2.19B | $1.93B | $2.56B | $1.46B | |
| EV / Sales | 3.86x | 3.19x | 3.03x | 5.27x | 3.76x | |
| EV / Op. cash flow | 29.01x | 23.75x | 15.52x | 10.21x | 9.15x | |
| EV / Free cash flow | 31.82x | 25.88x | 16.55x | 11.14x | 12.41x | |
| EV / EBITDA | 23.77x | 15.09x | 12.59x | 12.16x | 9.31x | |
| Net debt / EBITDA | 14.09x | 7.82x | 5.84x | 6.22x | 0.92x | |
| Current ratio | 0.13x | 0.10x | 0.09x | 0.07x | 0.08x | |
| Income quality | 1.23x | 0.92x | 1.19x | 1.70x | 1.45x | |
| Graham number | $28 | $34 | $33 | $39 | $33 | |
| Graham net-net | -$200 | -$184 | -$185 | -$185 | -$159 | |
| Tax burden | 76.7% | 76.6% | 76.1% | 75.6% | 77.4% | |
| Interest burden | 100.0% | 100.0% | 99.9% | 100.0% | 100.0% | |
| Working capital | -$9.60B | -$9.13B | -$9.55B | -$9.07B | -$9.05B | |
| Invested capital | -$8.96B | -$8.48B | -$8.91B | -$8.43B | -$8.40B | |
| Return on assets | 0.5% | 0.7% | 0.8% | 1.1% | 0.9% | |
| Operating ROA | 0.7% | 1.0% | 1.0% | 1.6% | 1.2% | |
| Return on tangible assets | 0.5% | 0.8% | 0.8% | 1.2% | 1.0% | |
| Return on equity | 4.3% | 5.9% | 6.3% | 9.3% | 7.3% | |
| Return on invested capital | 2.0% | 3.0% | 3.4% | 4.3% | 5.5% | |
| Return on capital employed | 2.6% | 4.0% | 4.5% | 5.8% | 7.5% | |
| Earnings yield | 6.9% | 9.5% | 10.1% | 11.7% | 8.3% | |
| Free cash flow yield | 7.7% | 8.0% | 11.3% | 18.4% | 8.9% | |
| Capex / Op. cash flow | 8.8% | 8.2% | 6.2% | 8.3% | 26.3% | |
| Capex / Depreciation | 55.3% | 52.0% | 47.0% | 126.8% | 282.5% | |
| Capex / Sales | 1.2% | 1.1% | 1.2% | 4.3% | 10.8% | |
| SG&A / Sales | 3.2% | 2.1% | 23.7% | 29.3% | 33.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.9% | 1.0% | 1.2% | 1.9% | 2.0% | |
| Intangibles / Total assets | 3.6% | 4.0% | 3.8% | 4.0% | 4.4% | |
| Days sales outstanding | 27d | 24d | 30d | 34d | 31d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 27d | 24d | 30d | 34d | 31d | |
| Cash conversion cycle | 27d | 24d | 30d | 34d | 31d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years