OceanFirst Financial Corp. (OCFC) Stock Price & Analysis
OceanFirst Financial Corp. (OCFC) closed at USD 16.62 on Thursday, October 22, 2026, up 3.23% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 16.1; the Oct 22, 2026 session ranged USD 16–16.65 on volume of 1,086,447 shares. Market capitalization is $1.61B, with a 52-week range of USD 15.6–20.61 (NMS). Source: Nexqual, retrieved October 23, 2026 at 11:23 UTC.
Also available as compact Markdown for AI agents: nexqual.com/OCFC.md
Key facts (OCFC)
- Last four reported quarters (through Jun 30, 2026): revenue $442M, net income $47.9M (10.8% margin) (SEC filings).
- Valuation: P/E 33.5x (avg 11.6x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold OCFC (13F, Q2 2026): 0 new, 0 added, 0 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $2.3M; 2 not under a Rule 10b5-1 plan ($2.3M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.43 on a 1–5 scale) (7 analysts), mean target USD 21.42 (range 18–25).
- Total return with dividends: 1Y -4.7% vs S&P 500 +14.9%; 5Y -6.5% vs S&P 500 +80.3%.
- Next earnings: 2026-10-27, EPS estimate USD 0.4, revenue estimate $179M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (OCFC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $357M | $437M | $403M | $384M | $405M | $442M |
| Net income | $110M | $147M | $104M | $100M | $71.0M | $47.9M |
| EPS (diluted) | $1.78 | $2.42 | $1.70 | $1.65 | $1.17 | — |
| Free cash flow | $118M | $234M | $117M | $84.7M | $79.5M | $113M |
| Net margin | 30.8% | 33.6% | 25.8% | 26.0% | 17.5% | 10.8% |
| Revenue growth | -7.7% | +22.2% | -7.6% | -4.7% | +5.4% | — |
| Cash + short-term investments | $225M | $168M | $154M | $124M | $135M | — |
| Total debt | $229M | $195M | $196M | $198M | $255M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (OCFC)
P/E 33.5x · P/S 3.6x · P/FCF 14.3x · P/B 0.7x · FCF yield 7.02% · Earnings yield 2.98% · Dividend yield (paid, TTM) 2.86% · Buyback yield (TTM) 0.47%
P/E at fiscal year-ends: Dec 2025 14.5x, Dec 2024 10.5x, Dec 2023 9.8x.
Superinvestors (SEC 13F-HR, Q2 2026) (OCFC)
1 of 80 tracked investors hold OCFC. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Third Avenue Management | 0.77% | $4.8M | Unchanged |
Insider sales (SEC Form 4, open-market, last ~7 months) (OCFC)
0 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-31 | Schaeffer Brian | 5,500 | $104K | 6% | No | Too little history (no open-market trades in 2023 or 2025) | |
| 2026-08-07 | Buran John R | Director | 113,463 | $2.2M | 50% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (OCFC)
Consensus Buy (mean 2.43 on a 1–5 scale), 7 analysts; mean target USD 21.42 (low 18, high 25).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-06 | Piper Sandler | Target lowered | Neutral | $21 → $18 |
| 2026-08-05 | Piper Sandler | Target raised | Neutral | $19 → $21 |
Total return (dividends reinvested) (OCFC)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -4.7% | -6.5% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -4.7% | -1.3% |
| Volatility (annualized) | 25.8% | 30.7% |
| Max drawdown | -22.1% (Jul 2026→Oct 2026) | -48.6% (Jan 2023→Oct 2023) |
OCFC revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Fees and service charges | $3.4M | — | -31.8% |
| Trust and asset management revenue | $384,000 | — | +2.7% |
| Total revenue | — | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
OCFC company outlook (results filed Jul 31, 2026)
- “Additionally, the allowance for credit losses increased to 1.29% of total loans receivable. • Operating Expenses: The Company anticipates full integration of Flushing's operations and systems in the third quarter of 2026.”
- “The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. 14 OceanFirst Financial Corp .”
Quoted word-for-word from the SEC 8-K results press release.
OCFC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.40 | $0.49 | -17.5% | $178.6M | 7 |
| Next quarter (ends Dec 2026) | $0.49 | $0.52 | -5.6% | $182.3M | 6 |
| Current fiscal year (ends Dec 2026) | $1.75 | $1.86 | -5.9% | $595.7M | 7 |
| Next fiscal year (ends Dec 2027) | $2.27 | $2.31 | -1.9% | $756.6M | 7 |
OCFC options: expected move
Options price a move of about ±32.0% (±$5.33) by Dec 18, 2026, which includes earnings on Oct 27, 2026. Over the last 8 reports the stock moved ±2% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Dec 18, 2026 | 56 | 56.2% | ±32.0% |
| Mar 19, 2027 | 147 | 41.5% | ±22.0% |
30-day implied volatility 40% vs 21.8% realized over the last 30 trading days. Put/call ratio (volume) 0. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 11:23 UTC)
| Price | USD 16.62 |
|---|---|
| Change | ▲ 3.23% (up) |
| Previous Close | USD 16.1 |
| Open | USD 16.04 |
| Day Range | USD 16 – 16.65 |
| 52-Week Range | USD 15.6 – 20.61 |
| Volume | 1,086,447 shares |
| Market Cap | $1.61B |
| Exchange | NMS |
Technical Analysis (OCFC)
Nexqual's technical model rates OCFC "NEUTRAL" based on 2 bullish and 3 bearish signals across 127 daily candles, as of October 23, 2026 at 11:23 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 43.69 (neutral) |
| vs SMA50 | Below (USD 17.76) |
| MACD | -0.47 (negative) |
Analyst Ratings (OCFC)
Wall Street analysts rate OCFC "Buy" based on 7 analysts, with a mean price target of USD 21.42 (range USD 18–25), per Nexqual as of October 23, 2026 at 11:23 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 7 |
| Mean Target | USD 21.42 |
| High Target | USD 25 |
| Low Target | USD 18 |
| Buy / Hold / Sell | 3 / 4 / 0 |
Earnings (OCFC)
| Next Earnings Date | 2026-10-27 |
|---|---|
| EPS Estimate | USD 0.4 |
| Revenue Estimate | $178.59M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.43 vs est 0.43 ▲ beat |
| 2026-03-31 | USD 0.43 vs est 0.39 ▲ beat |
| 2025-12-31 | USD 0.41 vs est 0.37 ▲ beat |
| 2025-09-30 | USD 0.36 vs est 0.36 ▲ beat |
Source: Nexqual, October 23, 2026 at 11:23 UTC.
Financials & Fundamentals (OCFC)
| Total Revenue | $427.64M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +32.20% |
| Gross Margin | +0.00% |
| Operating Margin | +36.82% |
| Profit Margin | +11.20% |
| ROE | +2.37% |
| Total Cash | $360.01M |
| Total Debt | $2.43B |
Source: Nexqual, October 23, 2026 at 11:23 UTC.
Financial Health Score (OCFC)
Nexqual rates OceanFirst Financial Corp.'s overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 11:23 UTC.
| Growth | Solid — Revenue +6% YoY (annual) |
|---|---|
| Profitability | Solid — Net margin 17% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Weak — ROE 2%, ROA 0.3% |
Ownership (OCFC)
| Insider Ownership | +2.40% |
|---|---|
| Institutional Ownership | +85.64% |
| Shares Outstanding | 96.65M |
| Float | 84.54M |
| Short % of Float | +6.08% |
Source: Nexqual, October 23, 2026 at 11:23 UTC.
Leadership (OCFC)
OceanFirst Financial Corp. is led by Christopher D. Maher, CEO & Director, per Nexqual as of October 23, 2026 at 11:23 UTC.
| CEO & Director | Christopher D. Maher |
|---|---|
| President, COO & Director | Joseph J. Lebel |
| Senior EVP & CFO | Patrick Sean Barrett |
| SVP Director of Corporate Communications and Community Impact | Jill Apito Hewitt |
Major Backers & Investors (OCFC)
Notable institutional backers of OceanFirst Financial Corp. include Warburg Pincus LLC, Wellington Management, T. Rowe Price, according to Nexqual as of October 23, 2026 at 11:23 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Warburg Pincus LLC | 9.91% |
| Wellington Management | 4.26% |
| T. Rowe Price | 3.03% |
| Two Sigma Investments, LP | 2.49% |
| Invesco | 2.47% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 10.29% |
| Dimensional Fund Advisors | 4.75% |
| State Street | 4% |
| Vanguard Group | 3.8% |
| Geode Capital | 2.28% |
Source: Nexqual, October 23, 2026 at 11:23 UTC.
From OceanFirst Financial Corp.'s Latest SEC 10-K Filing (filed 2026-02-27)
Partnerships
- As a result, the Company subsequently entered into a strategic partnership with a national mortgage banking company to provide a channel for customers interested in a residential mortgage (referred to as "residential outsourcing").
- The vast majority of municipal, asset-backed, corporate, and other mortgage-backed securities are issued by entities with current credit ratings by one of the nationally recognized statistical rating organizations that are considered investment grade.
Legal & Regulatory Risks (Item 1A, quoted)
- Risks Related to Laws and Regulations
- The application of these capital requirements could, among other things, require the Company to maintain higher capital resulting in lower returns on equity, and could require the Company to obtain additional capital to comply or result in regulatory actions if the Company is unable to comply with such requirements. See Regulation and Supervision, Bank Holding Company Regulation.
- Changes in Federal Reserve Board and other governmental policies, fiscal policy, and regulatory environment generally are beyond the Company's control, and are unable to predict what changes may occur or the manner in which any future changes may affect the Company's business, financial condition and results of operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 3.95 | ▼ 2.47% |
| FITB | Fifth Third Bancorp | USD 53.23 | ▲ 0.8% |
| TFC | Truist Financial Corporation | USD 48.42 | ▲ 1.45% |
| DB | Deutsche Bank AG | USD 31.48 | ▼ 2.39% |
| NWG | NatWest Group plc | USD 16.99 | ▼ 2.3% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 2.13% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 11:23 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt