OceanFirst Financial Corp. (OCFC)Financial Services | Banks - Regional | Toms River, United States | NasdaqGS
16.16 USD
+0.20
(1.253%)
⇧
(Oct. 16, 2026, 9:41 a.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 9:45 a.m. EDT
The investment case here is defined by a massive disconnect between the current price and the announced merger value, creating a binary outcome rather than a traditional growth story. Fundamentally, the company shows signs of distress: the payout ratio is at 100%, meaning every dollar of profit is distributed, leaving no cushion for errors, and the return on equity is a paltry 2.4%. However, the price-to-book ratio of 0.66 suggests the market is pricing in significant downside risk or a failed deal. The recent price action confirms this skepticism, with the stock trading well below both its 50-day and 200-day averages, indicating persistent selling pressure despite the merger news. While the dividend yield of nearly 5% is attractive, it is fully priced in and offers no safety margin given the 100% payout ratio. The short-term outlook remains neutral to slightly bearish as the market digests the valuation gap; the stock is currently trading at a discount to book value, which is rare for a healthy bank, implying that even if the merger closes, the combined entity may face integration challenges or regulatory hurdles that prevent a full re-rating. Investors should view this as a high-risk speculation on the merger's success rather than a stable income play. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.054775 |
| AutoARIMA | 0.057941 |
| AutoETS | 0.057942 |
| AutoTheta | 0.058313 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 42% |
| H-stat | 60.95 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.039 |
| Excess Kurtosis | -0.49 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-08-09 |
| Last Dividend Date | 2026-08-09 |
| Revenue per Share | 7.093 |
| Market Cap | 1,561,786,624 |
| Trailing P/E | 20.20 |
| Forward P/E | 7.12 |
| Beta | 1.00 |
| Profit Margins | 11.20% |
| Website | https://www.oceanfirst.com |
As of Oct. 10, 2026, 9:45 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume at strikes significantly below current price (10.0 and 12.5), suggesting a fear of a sharp downside gap or a 'merger discount' realization. Conversely, call interest is concentrated at the 20.0 strike, which aligns with the analyst mean target, indicating a speculative bet on the merger premium closing rather than immediate upside momentum. Implied volatility is elevated for near-term expirations, reflecting uncertainty surrounding the deal timeline.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 1.05% | 4.27% | 4.72% | 4.34% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-08-10 | 0.200000 | 1.052632 |
| 2026-04-27 | 0.200000 | 1.058761 |
| 2026-02-02 | 0.200000 | 1.052078 |
| 2025-11-03 | 0.200000 | 1.108033 |
| 2025-08-04 | 0.200000 | 1.225490 |
| 2025-05-05 | 0.200000 | 1.178550 |
| 2025-02-03 | 0.200000 | 1.154068 |
| 2024-11-04 | 0.200000 | 1.128032 |
| 2024-08-05 | 0.200000 | 1.259446 |
| 2024-05-03 | 0.200000 | 1.294498 |
| 2024-02-02 | 0.200000 | 1.223990 |
| 2023-11-03 | 0.200000 | 1.416431 |
| 2023-08-04 | 0.200000 | 1.080497 |
| 2023-05-05 | 0.200000 | 1.435750 |
| 2023-02-03 | 0.200000 | 0.805477 |
| 2022-11-04 | 0.200000 | 0.870322 |
| 2022-08-05 | 0.200000 | 0.958313 |
| 2022-05-06 | 0.170000 | 0.898995 |
| 2022-02-04 | 0.170000 | 0.752212 |
| 2021-11-05 | 0.170000 | 0.771325 |
| 2021-08-06 | 0.170000 | 0.789596 |
| 2021-05-07 | 0.170000 | 0.759607 |
| 2021-02-05 | 0.170000 | 0.902335 |
| 2020-11-06 | 0.170000 | 1.192982 |
| 2020-07-31 | 0.170000 | 1.109661 |
| 2020-05-01 | 0.170000 | 1.081425 |
| 2020-02-04 | 0.170000 | 0.727740 |
| 2019-11-01 | 0.170000 | 0.715789 |
| 2019-08-02 | 0.170000 | 0.726496 |
| 2019-05-03 | 0.170000 | 0.660964 |
| 2019-02-01 | 0.170000 | 0.702189 |
| 2018-11-02 | 0.170000 | 0.666144 |
| 2018-08-03 | 0.150000 | 0.524292 |
| 2018-05-04 | 0.150000 | 0.553914 |
| 2018-02-02 | 0.150000 | 0.567537 |
| 2017-11-03 | 0.150000 | 0.555556 |
| 2017-08-03 | 0.150000 | 0.556793 |
| 2017-05-04 | 0.150000 | 0.531350 |
| 2017-02-02 | 0.150000 | 0.523926 |
| 2016-11-03 | 0.150000 | 0.723240 |
| 2016-08-04 | 0.130000 | 0.701944 |
| 2016-05-05 | 0.130000 | 0.721821 |
| 2016-01-28 | 0.130000 | 0.726257 |
| 2015-10-29 | 0.130000 | 0.677083 |
| 2015-07-30 | 0.130000 | 0.742009 |
| 2015-04-30 | 0.130000 | 0.774732 |
| 2015-01-29 | 0.130000 | 0.789314 |
| 2014-10-30 | 0.130000 | 0.782661 |
| 2014-07-31 | 0.120000 | 0.754243 |
| 2014-05-01 | 0.120000 | 0.738462 |
| 2014-01-30 | 0.120000 | 0.679502 |
| 2013-10-24 | 0.120000 | 0.667037 |
| 2013-07-25 | 0.120000 | 0.674916 |
| 2013-04-25 | 0.120000 | 0.856531 |
| 2013-01-31 | 0.120000 | 0.845666 |
| 2012-10-25 | 0.120000 | 0.861450 |
| 2012-07-26 | 0.120000 | 0.888889 |
| 2012-04-26 | 0.120000 | 0.838574 |
| 2012-01-26 | 0.120000 | 0.881705 |
| 2011-10-27 | 0.120000 | 0.896191 |
| 2011-07-28 | 0.120000 | 0.886918 |
| 2011-04-28 | 0.120000 | 0.835073 |
| 2011-01-27 | 0.120000 | 0.875274 |
| 2010-10-28 | 0.120000 | 1.009251 |
| 2010-07-29 | 0.120000 | 0.966184 |
| 2010-04-29 | 0.120000 | 0.928793 |
| 2010-01-28 | 0.120000 | 1.148325 |
| 2009-10-29 | 0.200000 | 2.092050 |
| 2009-07-30 | 0.200000 | 1.609010 |
| 2009-04-29 | 0.200000 | 1.624695 |
| 2009-01-28 | 0.200000 | 1.429593 |
| 2008-10-29 | 0.200000 | 1.435750 |
| 2008-07-30 | 0.200000 | 1.111111 |
| 2008-04-30 | 0.200000 | 1.062135 |
| 2008-01-30 | 0.200000 | 1.236094 |
| 2007-10-31 | 0.200000 | 1.249219 |
| 2007-08-01 | 0.200000 | 1.331558 |
| 2007-04-25 | 0.200000 | 1.150086 |
| 2007-01-24 | 0.200000 | 0.939408 |
| 2006-10-25 | 0.200000 | 0.873362 |
| 2006-07-26 | 0.200000 | 0.909091 |
| 2006-04-26 | 0.200000 | 0.879507 |
| 2006-01-25 | 0.200000 | 0.839631 |
| 2005-10-26 | 0.200000 | 0.861698 |
| 2005-07-27 | 0.200000 | 0.838574 |
| 2005-04-27 | 0.200000 | 0.952381 |
| 2005-01-26 | 0.200000 | 0.826788 |
| 2004-10-27 | 0.200000 | 0.834376 |
| 2004-07-28 | 0.200000 | 0.894855 |
| 2004-04-28 | 0.200000 | 0.896459 |
| 2004-01-28 | 0.200000 | 0.824402 |
| 2003-10-29 | 0.200000 | 0.767754 |
| 2003-07-30 | 0.200000 | 0.804505 |
| 2003-04-30 | 0.200000 | 0.897263 |
| 2003-01-29 | 0.180000 | 0.804290 |
| 2002-10-30 | 0.180000 | 0.843091 |
| 2002-07-31 | 0.180000 | 0.864553 |
| 2002-05-01 | 0.173333 | 0.790512 |
| 2002-01-30 | 0.160000 | 0.895522 |
| 2001-10-31 | 0.153333 | 0.941463 |
| 2001-08-01 | 0.140000 | 0.830040 |
| 2001-05-02 | 0.140000 | 0.920649 |
| 2001-01-31 | 0.126667 | 0.842107 |
| 2000-11-01 | 0.126667 | 0.915665 |
| 2000-08-02 | 0.126667 | 0.993467 |
| 2000-05-03 | 0.126667 | 1.160308 |
| 2000-02-02 | 0.080000 | 0.774194 |
| 1999-10-28 | 0.100000 | 0.888889 |
| 1999-07-29 | 0.100000 | 0.816327 |
| 1999-04-29 | 0.100000 | 0.937500 |
| 1999-02-03 | 0.080000 | 0.761905 |
| 1998-10-29 | 0.080000 | 0.820513 |
| 1998-07-30 | 0.080000 | 0.633663 |
| 1998-04-30 | 0.080000 | 0.607595 |
| 1998-01-29 | 0.066667 | 0.565374 |
| 1997-10-23 | 0.066667 | 0.529804 |
| 1997-07-24 | 0.066667 | 0.571431 |
| 1997-05-01 | 0.066667 | 0.663904 |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.09779537 |
| Address1 | 975 Hooper Avenue |
| All Time High | 30.9 |
| All Time Low | 6.458333 |
| Ask | 20.6 |
| Ask Size | 2 |
| Audit Risk | 4 |
| Average Analyst Rating | 2.3 - Buy |
| Average Daily Volume10 Day | 1,305,920 |
| Average Daily Volume3 Month | 1,040,362 |
| Average Volume | 1,040,362 |
| Average Volume10Days | 1,305,920 |
| Beta | 0.997 |
| Bid | 11.47 |
| Bid Size | 2 |
| Board Risk | 5 |
| Book Value | 24.499 |
| City | Toms River |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 2 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 16.16 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 16.17 |
| Day Low | 15.97 |
| Display Name | OceanFirst Financial |
| Dividend Date | 1,787,270,400 |
| Dividend Yield | 5.02 |
| Earnings Call Timestamp End | 1,793,217,600 |
| Earnings Call Timestamp Start | 1,793,217,600 |
| Earnings Timestamp | 1,793,131,200 |
| Earnings Timestamp End | 1,793,131,200 |
| Earnings Timestamp Start | 1,793,131,200 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 8.522 |
| Enterprise Value | 3,644,231,424 |
| Eps Current Year | 1.75286 |
| Eps Forward | 2.27 |
| Eps Trailing Twelve Months | 0.8 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,786,320,000 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 18.0812 |
| Fifty Day Average Change | -1.9211998 |
| Fifty Day Average Change Percent | -0.106254004 |
| Fifty Two Week Change Percent | -9.779537 |
| Fifty Two Week High | 20.61 |
| Fifty Two Week High Change | -4.450001 |
| Fifty Two Week High Change Percent | -0.21591464 |
| Fifty Two Week Low | 15.66 |
| Fifty Two Week Low Change | 0.5 |
| Fifty Two Week Low Change Percent | 0.03192848 |
| Fifty Two Week Range | 15.66 - 20.61 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 836,400,600,000 |
| Five Year Avg Dividend Yield | 4.16 |
| Float Shares | 84,543,448 |
| Forward Eps | 2.27 |
| Forward P E | 7.1189427 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 898 |
| Fullday Change | 0.19999981 |
| Fullday Change Percent | 1.2531316 |
| Fullday Price | 16.16 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.0 |
| Gross Profits | 427,640,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.02397 |
| Held Percent Institutions | 0.85576 |
| Implied Shares Outstanding | 96,645,219 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Ir Website | http://irsolutions.snl.com/corporateprofile.aspx?iid=102614 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,786,320,000 |
| Last Dividend Value | 0.2 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,021,852,800 |
| Last Split Factor | 3:2 |
| Long Business Summary | 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. |
| Long Name | OceanFirst Financial Corp. |
| Market | us_market |
| Market Cap | 1,561,786,624 |
| Market State | REGULAR |
| Max Age | 86,400 |
| Message Board Id | finmb_364474 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 47,900,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 1,678,727,454 |
| Number Of Analyst Opinions | 6 |
| Open | 16.02 |
| Operating Cashflow | 121,663,000 |
| Operating Margins | 0.36817002 |
| Overall Risk | 5 |
| Payout Ratio | 1.0 |
| Peg Ratio | 1.15 |
| Phone | 888 623 2633 |
| Previous Close | 15.96 |
| Price Eps Current Year | 9.219219 |
| Price Hint | 2 |
| Price To Book | 0.65961874 |
| Price To Sales Trailing12 Months | 3.6520975 |
| Profit Margins | 0.11201 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.28571 |
| Region | US |
| Regular Market Change | 0.19999981 |
| Regular Market Change Percent | 1.2531316 |
| Regular Market Day High | 16.17 |
| Regular Market Day Low | 15.97 |
| Regular Market Day Range | 15.97 - 16.17 |
| Regular Market Open | 16.02 |
| Regular Market Previous Close | 15.96 |
| Regular Market Price | 16.16 |
| Regular Market Time | 1,792,158,060 |
| Regular Market Volume | 54,508 |
| Return On Assets | 0.00262 |
| Return On Equity | 0.02365 |
| Revenue Growth | 0.322 |
| Revenue Per Share | 7.093 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 8 |
| Shares Outstanding | 96,645,219 |
| Shares Percent Shares Out | 0.059499998 |
| Shares Short | 5,750,356 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 4,719,440 |
| Short Name | OceanFirst Financial Corp. |
| Short Percent Of Float | 0.0608 |
| Short Ratio | 5.5 |
| Source Interval | 15 |
| State | NJ |
| Symbol | OCFC |
| Target High Price | 25.0 |
| Target Low Price | 18.0 |
| Target Mean Price | 21.41667 |
| Target Median Price | 21.5 |
| Total Cash | 360,014,016 |
| Total Cash Per Share | 3.658 |
| Total Debt | 2,433,522,944 |
| Total Revenue | 427,640,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.8 |
| Trailing Annual Dividend Yield | 0.050125312 |
| Trailing Eps | 0.8 |
| Trailing P E | 20.199999 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 18.535 |
| Two Hundred Day Average Change | -2.375 |
| Two Hundred Day Average Change Percent | -0.12813596 |
| Type Disp | Equity |
| Volume | 54,508 |
| Website | https://www.oceanfirst.com |
| Zip | 08,753-8320 |