Oceanfirst Financial Corp Stock Analysis
| OCFC Stock | USD 18.75 0.13 0.70% |
IPO Date 3rd of July 1996 | 200 Day MA 17.8881 | 50 Day MA 18.7954 | Beta 1.055 |
OceanFirst Financial Corp has over 1.26 Billion in debt which may indicate that it relies heavily on debt financing. At present, OceanFirst Financial's Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Long Term Debt is expected to grow to about 1.4 B, whereas Short Term Debt is forecasted to decline to about 66.2 M. With a high degree of financial leverage come high-interest payments, which usually reduce OceanFirst Financial's Earnings Per Share (EPS).
Asset vs Debt
Equity vs Debt
OceanFirst Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. OceanFirst Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps OceanFirst Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect OceanFirst Financial's stakeholders.
For most companies, including OceanFirst Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for OceanFirst Financial Corp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, OceanFirst Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book 0.6428 | Price Sales 2.7488 | Shares Float 55.5 M | Dividend Share 0.8 | Wall Street Target Price 21.6 |
OceanFirst Financial Corp is overvalued with Real Value of 15.72 and Target Price of 21.6. The main objective of OceanFirst Financial stock analysis is to determine its intrinsic value, which is an estimate of what OceanFirst Financial Corp is worth, separate from its market price. There are two main types of OceanFirst Financial's stock analysis: fundamental analysis and technical analysis.
The OceanFirst Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and OceanFirst Financial's ongoing operational relationships across important fundamental and technical indicators.
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OceanFirst Stock Analysis Notes
About 81.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.64. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. OceanFirst Financial Corp has Price/Earnings To Growth (PEG) ratio of 1.84. The entity last dividend was issued on the 2nd of February 2026. The firm had 3:2 split on the 20th of May 2002. OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. The company was founded in 1902 and is based in Red Bank, New Jersey. OceanFirst Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 894 people. To find out more about OceanFirst Financial Corp contact Christopher Maher at 888 623 2633 or learn more at https://www.oceanfirst.com.OceanFirst Financial Quarterly Total Revenue |
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OceanFirst Financial Corp Investment Alerts
Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. OceanFirst Financial's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding OceanFirst Financial Corp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
| Over 81.0% of the company shares are owned by institutional investors | |
| Latest headline from finance.yahoo.com: 5 Must-Read Analyst Questions From OceanFirst Financials Q4 Earnings Call |
OceanFirst Largest EPS Surprises
Earnings surprises can significantly impact OceanFirst Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2016-07-28 | 2016-06-30 | 0.14 | 0.16 | 0.02 | 14 | ||
1999-07-22 | 1999-06-30 | 0.19 | 0.21 | 0.02 | 10 | ||
2013-04-18 | 2013-03-31 | 0.29 | 0.26 | -0.03 | 10 |
OceanFirst Financial Environmental, Social, and Governance (ESG) Scores
OceanFirst Financial's ESG score is a quantitative measure that evaluates OceanFirst Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of OceanFirst Financial's operations that may have significant financial implications and affect OceanFirst Financial's stock price as well as guide investors towards more socially responsible investments.
OceanFirst Stock Institutional Investors
| Shares | Jpmorgan Chase & Co | 2025-06-30 | 881.5 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 757.6 K | Endeavour Capital Advisors Inc | 2025-06-30 | 755.6 K | Nuveen, Llc | 2025-06-30 | 753.8 K | Glenmede Trust Co Na | 2025-03-31 | 738.1 K | Ameriprise Financial Inc | 2025-06-30 | 730.2 K | Charles Schwab Investment Management Inc | 2025-06-30 | 656.8 K | Metlife Investment Management, Llc | 2025-06-30 | 614.8 K | Northern Trust Corp | 2025-06-30 | 518.5 K | Blackrock Inc | 2025-06-30 | 7.9 M | Vanguard Group Inc | 2025-06-30 | 3.5 M |
OceanFirst Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.07 B.OceanFirst Profitablity
The company has Profit Margin (PM) of 0.18 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.32 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.32.| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.05 | 0.07 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.07 | 0.09 |
Management Efficiency
At present, OceanFirst Financial's Return On Equity is projected to slightly decrease based on the last few years of reporting. At present, OceanFirst Financial's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 535.2 M, whereas Intangible Assets are forecasted to decline to about 9.8 M. OceanFirst Financial's management efficiency ratios could be used to measure how well OceanFirst Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 26.29 | 27.60 | |
| Tangible Book Value Per Share | 18.01 | 10.02 | |
| Enterprise Value Over EBITDA | 17.35 | 30.18 | |
| Price Book Value Ratio | 0.71 | 0.68 | |
| Enterprise Value Multiple | 17.35 | 30.18 | |
| Price Fair Value | 0.71 | 0.68 |
The strategic decisions made by OceanFirst Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Technical Drivers
As of the 31st of January, OceanFirst Financial holds the Semi Deviation of 1.82, coefficient of variation of 6473.37, and Risk Adjusted Performance of 0.0175. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of OceanFirst Financial, as well as the relationship between them.OceanFirst Financial Corp Price Movement Analysis
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. OceanFirst Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for OceanFirst Financial Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
OceanFirst Financial Corp Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific OceanFirst Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on OceanFirst Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases OceanFirst Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
OceanFirst Financial Outstanding Bonds
OceanFirst Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. OceanFirst Financial Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most OceanFirst bonds can be classified according to their maturity, which is the date when OceanFirst Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
OceanFirst Financial Predictive Daily Indicators
OceanFirst Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of OceanFirst Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
OceanFirst Financial Corporate Filings
8K | 29th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 23rd of January 2026 Other Reports | ViewVerify | |
8K | 22nd of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 21st of January 2026 An amended filing to the original Schedule 13G | ViewVerify |
8K | 5th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 31st of December 2025 Other Reports | ViewVerify | |
8K | 30th of December 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 14th of November 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
OceanFirst Financial Forecast Models
OceanFirst Financial's time-series forecasting models are one of many OceanFirst Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary OceanFirst Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.OceanFirst Financial Corp Debt to Cash Allocation
As OceanFirst Financial Corp follows its natural business cycle, the capital allocation decisions will not magically go away. OceanFirst Financial's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
OceanFirst Financial Corp currently holds 1.26 B in liabilities with Debt to Equity (D/E) ratio of 9.88, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about OceanFirst Financial's use of debt, we should always consider it together with its cash and equity.OceanFirst Financial Total Assets Over Time
OceanFirst Financial Assets Financed by Debt
The debt-to-assets ratio shows the degree to which OceanFirst Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.OceanFirst Financial Debt Ratio | 18.0 |
OceanFirst Financial Corporate Bonds Issued
Most OceanFirst bonds can be classified according to their maturity, which is the date when OceanFirst Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
OceanFirst Short Long Term Debt Total
Short Long Term Debt Total |
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About OceanFirst Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how OceanFirst Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling OceanFirst shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as OceanFirst Financial. By using and applying OceanFirst Stock analysis, traders can create a robust methodology for identifying OceanFirst entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.14 | 0.19 | |
| Net Profit Margin | 0.11 | 0.13 | |
| Gross Profit Margin | 0.96 | 0.54 |
Current OceanFirst Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. OceanFirst analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. OceanFirst analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 21.6 | Buy | 7 | Odds |
Most OceanFirst analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand OceanFirst stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of OceanFirst Financial Corp, talking to its executives and customers, or listening to OceanFirst conference calls.
OceanFirst Stock Analysis Indicators
OceanFirst Financial Corp stock analysis indicators help investors evaluate how OceanFirst Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading OceanFirst Financial shares will generate the highest return on investment. By understating and applying OceanFirst Financial stock analysis, traders can identify OceanFirst Financial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 153.7 M | |
| 50 Day M A | 18.7954 | |
| Common Stock Shares Outstanding | 57.4 M | |
| Other Operating Expenses | 563.1 M | |
| Total Cashflows From Investing Activities | 106.4 M | |
| Quarterly Earnings Growth Y O Y | -0.36 | |
| Forward Price Earnings | 10.5042 | |
| Stock Based Compensation | 7.2 M |
Complementary Tools for OceanFirst Stock analysis
When running OceanFirst Financial's price analysis, check to measure OceanFirst Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy OceanFirst Financial is operating at the current time. Most of OceanFirst Financial's value examination focuses on studying past and present price action to predict the probability of OceanFirst Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move OceanFirst Financial's price. Additionally, you may evaluate how the addition of OceanFirst Financial to your portfolios can decrease your overall portfolio volatility.
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