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OceanFirst Financial Corp. (OCFC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of OceanFirst Financial Corp. stock $9.04, price $18.13, that is 50.1% below the price, quality 34 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $6.78 to bull $10.26 Growth analysisrevenue history, year by year Quality 34/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Some data Nov 5, 2026

OceanFirst Financial Corp.

OCFC · US

Very expensive, weak quality

Our calculation puts a fair price 50% below what the stock costs today.

Upbeat coverage

Revenue last quarter +83% vs. a year ago.

Mixed Growth (revenue 5y +8.6 %/yr in USD)

Thin margins · 9.2% net margin (TTM)

4.4% dividend yield · Payout strained

Insiders bought $277,785 (6M) · sold $4.4M

Some data

Fair value $9.04 · Strongly overvalued (−50.1%)

Quality 34/100

Trails peers (4/15)

Narrow moat 29/100

⚠ Dilution

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $10.70 – $21.06 · fair‑value band $6.78 – $10.26 · the $18.13 price screens above the $9.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

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.

Show moreShow less

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.

Stock analysis

OceanFirst Financial Corp. (OCFC) currently trades at $18.13, while our model-based Fair Value estimate is $9.04, 50% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Economic Profit group reads highest at a median of $11.79 per share, and 0 of the 6 models we run sit above the $18.13 price.

Bear case: the Dividend Discount group reads lowest at $6.39, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $6.78 (bear) to $10.26 (bull), the price of $18.13 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 34/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

OceanFirst Financial Corp. reported revenue of $656M in FY2025 versus $389M in FY2021, a compound +14.0%/yr. Reported net income was $71.0M in FY2025, compounding −10.4%/yr from FY2021.

Key figures

Market cap $1.8B Small · P/E ratio 26.7 · P/S ratio 2.89 · EPS (TTM) $0.6800 · Dividend yield 4.4% · Net margin 10.8% · Return on equity 2.3% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 29 out of 100 (medium confidence).

What moves the price

The share trades about 10% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −50%, OCFC screens richer than that median.

Fair Value models

Bear $6.78 Fair Value $9.04 Bull $10.26

Price $18.13 · Downside -50.1%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $11.96 $11.79 $12.07 76

Gordon GGM $3.74 $6.66 $9.07 68

DDM Multi-Stage $3.74 $6.12 $7.12 67

All 6 models by family

Dividend Discount

Gordon GGM $3.74 $6.66 $9.07 68

DDM Multi-Stage $3.74 $6.12 $7.12 67

Multiples

P/E Multiple $7.03 $9.37 $11.71 63

P/B Multiple $8.92 $11.90 $14.87 55

Asset-Based

NCAV (Graham) $5.77 $7.73 $11.53 54

Economic Profit

Residual Income $11.96 $11.79 $12.07 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 34/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 21

How much profit the company makes from its sales and capital

Quality Growth 30

Are margins and returns getting better?

Cashflow 63

Do the profits arrive as real cash?

Financial strength 3

Debt, balance sheet and risk of trouble

Investment 91

Does it invest with discipline instead of growing at any price?

Low Volatility 68

How calm the share price moves, does not count

Price momentum 34

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 47

Distance to the 52-week high, does not count

New shares 10

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors bought shares worth $277,785, most recently on Nov 3, 2026. Over the same period, one person sold shares worth $4.4M. Buying cluster

BuyJack M. FarrisDirector542 shares at $18.47$10,008Nov 3, 2026
BuyNicos KatsoulisDirector10,000 shares at $17.83$178,277Oct 30, 2026
BuyPatrick Sean BarrettSenior EVP & CFO5,000 shares at $17.90$89,500Oct 30, 2026
SaleBrian SchaefferSEVP & CIO, OceanFirst Bank5,500 shares at $18.91$104,005Aug 31, 2026
SaleJohn R BuranDirector2× since Aug 7, 2026: 227,260 shares, avg. $19.40$4.4MAug 7, 2026

Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 71/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

−4.7%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+10.5%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+8.6%

Start year 2020 (pandemic). Over 10 years: +20.6% a year

Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+9.6%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.

−1.6%

Earnings growth per share plus dividend.

Earnings per share, growth per year−6.0%

Dividend (yield on the price)4.4%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−6.7% vs 0.4%, slowing

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19% → 14%

Pace: the 5-year rate starts in 2020 (pandemic)

OCFC screens overvalued: fair value 50% below the price. Compare with China Merchants Bank Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (91 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

OceanFirst Financial (OCFC) Stock Could Be Below Fair Value After A 44% Run Yahoo Finance · Oct 31, 2026
OceanFirst Financial (NASDAQ:OCFC) reports strong Q3 2026 Yahoo Finance · Oct 27, 2026

Note from the team Nov 4, 2026

AI conclusion: The regional bank gains efficiency from the completed Flushing system conversion yet shows persistently low returns on equity and assets with limited durable advantage in a commoditized sector.

Main risk: Lingering integration risks from the Flushing acquisition could prevent lasting cost savings and resumed excess capital accretion on the combined platform.

OceanFirst just completed the core system conversion for its Flushing acquisition, unlocking expected cost savings from the fourth quarter and a return to excess capital accretion. Core earnings rose sharply on the combined platform while GAAP results carried the merger expenses. Our models see the stock as overvalued. Will the efficiency improvements and resumed capital build prove lasting, or will integration risks and regional bank headwinds extend further?

Join the discussion →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 4/15 measures

Overall it trails its industry peers.

Valuation

Quality Score 34 · Bottom 25%

Fair Value upside −50.1% · Bottom 25%

Profitability

Return on equity (12 months) 2.3% · Bottom 25%

Return on assets 0.5% · Bottom 25%

Net margin (12 months) 9.2% · Bottom 25%

Operating margin (12 months) 0.0% · Bottom 25%

Growth and dividend

Revenue growth (quarter YoY) 82.9% · Top 25%

Dividend yield (12 months) 4.4% · Top 25%

Balance sheet

Debt / equity 0.95× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 26.7× · Priciest 25%

P/B 1.07× · Cheaper than median

P/S (12 months) 4.15× · Pricier than median

Price / free cash flow (fiscal year) 22.3× · Priciest 25%

EV/EBITDA 34.5× · Priciest 25%

PEG 1.15× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)100 · sector 47

PAST (return on equity)9 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)88 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs OCFC
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs OCFC
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs OCFC
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs OCFC
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs OCFC
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs OCFC
Mizuho Financial Group MFG	$9.40	$5.90	−37%	vs OCFC
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs OCFC
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs OCFC
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs OCFC

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OceanFirst Financial Corp.: fair value per Fair Value Calculator

<a href="https://www.fairvalue-calculator.com/stock/OCFC?utm_source=embed&amp;utm_medium=badge" target="_blank" rel="nofollow noopener"><img src="https://www.fairvalue-calculator.com/embed/OCFC.US.svg" width="360" height="84" alt="OceanFirst Financial Corp.: fair value per Fair Value Calculator" style="border:0;max-width:100%" loading="lazy"></a>

Cite: Fair Value Calculator (2026). "OceanFirst Financial Corp. Fair Value". https://www.fairvalue-calculator.com/stock/OCFC

Frequently asked questions

Is OceanFirst Financial Corp. (OCFC) overvalued or undervalued?

As of Nov 5, 2026, our model estimates a fair value of $9.04 versus a price of $18.13, about 50% lower (overvalued).

What is the fair value of OCFC?

Our model-based fair value for OceanFirst Financial Corp. is $9.04 (as of Nov 5, 2026), built from audited fundamentals. The current price: $18.13.

What is the quality score of OCFC?

OceanFirst Financial Corp. has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for OceanFirst Financial Corp. (OCFC)?

Our model-based price target is the fair value of $9.04 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $6.78, optimistic scenario $10.26. It is a calculation from audited fundamentals, not an analyst target.

What is the OceanFirst Financial Corp. stock forecast for 2026?

Our models put fair value at $9.04, about 50% lower versus a price of $18.13 (overvalued). Cautious scenario $6.78, optimistic scenario $10.26. The calculation is refreshed regularly with new filings.

What is the revenue of OceanFirst Financial Corp. (OCFC)?

OceanFirst Financial Corp. reported trailing-twelve-month revenue of about $428M (latest available figure, as of Nov 5, 2026).

Does OceanFirst Financial Corp. pay a dividend?

OceanFirst Financial Corp. currently shows a dividend yield of 4.41% relative to its recent price (as of Nov 5, 2026).

How much is the dividend of OceanFirst Financial Corp. (OCFC) and when is the ex-dividend date?

OceanFirst Financial Corp. pays a dividend of $0.8 per share a year, a dividend yield of 4.4%. The next ex-dividend date is Nov 9, 2026. A dividend has been paid every year since at least 1997. The payout ratio is 106% of earnings (on adjusted earnings, reported 118%). Our assessment: Payout strained. The dividend exceeds reported earnings (though reported profit is often depressed by one-off charges), and free cash flow only just covers it (or coverage is unknown). Not an emergency, but little room for error.

What is the intrinsic value of OceanFirst Financial Corp. (OCFC)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OceanFirst Financial Corp. it is $9.04 per share (as of Nov 5, 2026), against a price of $18.13. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is OceanFirst Financial Corp. stock overvalued or undervalued in 2026?

As of Nov 5, 2026, OCFC trades above its calculated fair value: price $18.13, fair value $9.04, a gap of about −50% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of OCFC?

No. The price is what the market pays today ($18.13); the fair value is what the company's own numbers justify ($9.04). For OceanFirst Financial Corp. the two are $9.09 per share apart. That gap is exactly why we show both numbers side by side.

How much is OceanFirst Financial Corp. worth?

The market values OceanFirst Financial Corp. at about $1.8B (market capitalisation, as of Nov 5, 2026). Per share that is $18.13; our models calculate a fair value of $9.04 per share.

What do the bullish and bearish scenarios say about OCFC?

Our models span a range for OceanFirst Financial Corp.: cautious scenario $6.78, base $9.04, optimistic $10.26 per share (as of Nov 5, 2026, price $18.13). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of OCFC?

OceanFirst Financial Corp. trades at a price-to-earnings ratio of 26.7 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.04 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 13.2 (reported for FY2025: 14.6). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 7 of the years ex one-offs: 12.6. Other multiples: PEG 1.1, P/B 1.1, P/S 4.1, EV/EBITDA 34.5.

What is the PEG ratio of OCFC?

The PEG ratio of OceanFirst Financial Corp. is 1.15 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of OceanFirst Financial Corp. (OCFC)?

Balance-sheet figures for OceanFirst Financial Corp. (as of Nov 5, 2026): return on equity 2.3%, debt of 0.95 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.

How far is OCFC from its 52-week high?

OceanFirst Financial Corp. trades at $18.13, about 10% below its 52-week high of $20.04 and 16% above the low of $15.62 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $9.04 is for.

Which stocks are comparable to OceanFirst Financial Corp.?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is OceanFirst Financial Corp. stock attractive at the current price?

The data as of Nov 5, 2026: price $18.13, calculated fair value $9.04 (−50%), Quality Score 34/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of OCFC calculated?

We run OceanFirst Financial Corp. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $9.04 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. OceanFirst Financial Corp. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of OceanFirst Financial Corp. (OCFC)?

The closing price on Nov 6, 2026 was $18.13. Our model-based fair value is $9.04, about 50% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with OceanFirst Financial Corp. right now?

The price sits above even our optimistic bull case ($10.26). The favourable scenario is already priced in. Weak quality (34/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of OceanFirst Financial Corp. (OCFC) come from?

Earnings per share at OceanFirst Financial Corp. grew +4.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.1 %, EBIT margin −4.6 %, tax rate +1.8 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of OceanFirst Financial Corp.

How large is the market capitalisation of OceanFirst Financial Corp. (OCFC)?

The market capitalisation of OceanFirst Financial Corp. is $1.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of OceanFirst Financial Corp. (OCFC)?

The price-to-sales ratio of OceanFirst Financial Corp. is 2.89 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of OceanFirst Financial Corp. (OCFC)?

Earnings per share at OceanFirst Financial Corp. are $0.6800 (price ÷ EPS = P/E 26.7). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of OceanFirst Financial Corp. (OCFC)?

The dividend yield of OceanFirst Financial Corp. is 4.4% (payout 106%, on adjusted earnings, reported 118%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of OceanFirst Financial Corp. (OCFC)?

The net margin of OceanFirst Financial Corp. is 10.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of OceanFirst Financial Corp. (OCFC)?

The return on equity (ROE) of OceanFirst Financial Corp. is 2.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of OceanFirst Financial Corp. (OCFC)?

On an EBIT basis the return on assets of OceanFirst Financial Corp. is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

How fast is revenue growing at OceanFirst Financial Corp. (OCFC)?

Revenue at OceanFirst Financial Corp. is growing +82.9% versus a year earlier (3y avg +10.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at OceanFirst Financial Corp. (OCFC)?

Earnings per share at OceanFirst Financial Corp. are growing −45.3% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does OceanFirst Financial Corp. (OCFC) generate?

The free cash flow of OceanFirst Financial Corp. is $79.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does OceanFirst Financial Corp. (OCFC) carry?

The net debt of OceanFirst Financial Corp. is $1.5B (fiscal year 2025, ≈ 18.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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