OceanFirst Financial Corp (OCFC)
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.
- Symbol
- OCFC
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $1.22B
- 52 week range
- 16.99 - 20.61
Valuation
- Share price
- $17.00 (close of 2026-09-23)
- P/E (TTM)
- 20.20x
- Price to book
- 0.51x
- Price to free cash flow
- 10.83x
- Enterprise value
- $3.17B
- Book value per share
- $34.33
Price performance
| Period | Change |
|---|
| 1 day | -3.24% |
| 5 days | -8.60% |
| 1 month | -10.81% |
| 3 months | -8.31% |
| 6 months | -4.92% |
| Year to date | -5.29% |
| 1 year | -5.19% |
| 3 years | +16.04% |
| 5 years | -16.67% |
| 10 years | -12.24% |
| All time | +140.11% |
Profitability and growth
- Return on equity
- 4.27%
- Return on assets
- 0.49%
- Net margin
- 11.05%
- EBITDA margin
- 59.93%
- Revenue growth
- 0.04%
- Net income growth
- -29.07%
- Free cash flow growth
- -6.10%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 9.24%
- Net debt to EBITDA
- 5.20x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $642.45M
- EBITDA
- $385.00M
- Net income
- $70.98M
- Earnings per share
- $1.17
- Interest expense
- $282.23M
- Shares outstanding
- 57.42M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $642.45M | $70.98M | $1.17 |
| 2024-12-31 | $642.17M | $100.06M | $1.65 |
| 2023-12-31 | $607.97M | $104.03M | $1.70 |
| 2022-12-31 | $431.18M | $146.60M | $2.43 |
| 2021-12-31 | $342.09M | $110.08M | $1.79 |
| 2020-12-31 | $379.61M | $63.31M | $1.02 |
| 2019-12-31 | $308.79M | $88.57M | $1.77 |
| 2018-12-31 | $276.65M | $71.93M | $1.54 |
| 2017-12-31 | $188.83M | $42.47M | $1.32 |
| 2016-12-31 | $133.43M | $23.05M | $1.00 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 11.05% | 4.27% |
| 2024-12-31 | 15.58% | 5.88% |
| 2023-12-31 | 17.11% | 6.26% |
| 2022-12-31 | 34.00% | 9.25% |
| 2021-12-31 | 32.18% | 7.26% |
| 2020-12-31 | 16.68% | 4.27% |
| 2019-12-31 | 28.68% | 7.68% |
| 2018-12-31 | 26.00% | 6.92% |
| 2017-12-31 | 22.49% | 7.06% |
| 2016-12-31 | 17.27% | 4.03% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $135.13M | $255.23M |
| 2024-12-31 | $123.61M | $197.55M |
| 2023-12-31 | $153.72M | $196.46M |
| 2022-12-31 | $167.99M | $195.40M |
| 2021-12-31 | $224.78M | $229.14M |
| 2020-12-31 | $1.32B | $235.47M |
| 2019-12-31 | $133.23M | - |
| 2018-12-31 | $122.33M | - |
| 2017-12-31 | $109.61M | - |
| 2016-12-31 | $301.37M | - |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $79.51M | $4.87M |
| 2024-12-31 | $84.68M | $6.08M |
| 2023-12-31 | $116.55M | $5.85M |
| 2022-12-31 | $234.34M | $6.64M |
| 2021-12-31 | $117.93M | $5.42M |
| 2020-12-31 | $117.93M | $4.26M |
| 2019-12-31 | $95.17M | $3.86M |
| 2018-12-31 | $81.06M | $3.04M |
| 2017-12-31 | $31.43M | $2.18M |
| 2016-12-31 | $26.75M | $1.50M |
Dividend history
- Most recent payment
- 2026-08-10
- Paid in the last twelve months
- $0.80
| Payment date | Dividend per share |
|---|
| 2026-08-10 | $0.20 |
| 2026-04-27 | $0.20 |
| 2026-02-02 | $0.20 |
| 2025-11-03 | $0.20 |
| 2025-08-04 | $0.20 |
| 2025-05-05 | $0.20 |
| 2025-02-03 | $0.20 |
| 2024-11-04 | $0.20 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-28
- Consensus EPS estimate
- $0.42
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-30 | Jun/2026 | $0.42 |
| 2026-04-23 | - | - |
| 2026-01-22 | - | - |
| 2025-10-22 | - | - |
| 2025-07-24 | - | - |
| 2025-04-24 | - | - |
| 2025-01-23 | - | - |
| 2024-10-17 | - | - |
Filings and sources
- Company website
- oceanfirst.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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