OceanFirst Financial Corp. (OCFC)Financial Services | Banks - Regional | Toms River, United States | NasdaqGS
19.14 USD
+0.03
(0.157%)
⇧
(July 13, 2026, 4 p.m.
EDT)
After hours: 19.14 |
Hot Take ↕ | July 11, 2026, 5:41 a.m. EDT
OceanFirst Financial presents a compelling value case for patient capital, trading at a steep discount to book value (0.66x) with a forward P/E of just 8.25x, which implies significant earnings growth potential. The business fundamentals are sound, boasting healthy operating margins (35%) and a consistent dividend track record that has grown recently, supporting a 3.5-star yield rating. However, the stock is currently trapped in a consolidation phase, having failed to capitalize on its recovery momentum despite positive year-over-year growth. The heavy put writing at deep strikes suggests institutional nervousness regarding the upcoming July earnings report and the broader regional bank sector risks, creating a ceiling on near-term upside. While the valuation offers a substantial margin of safety, the lack of a clear catalyst to break the $20 resistance level keeps the short-term outlook neutral. This is a 'buy and hold' opportunity waiting for the market to recognize its intrinsic value, rather than a high-conviction momentum play. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.020482 |
| AutoETS | 0.021315 |
| AutoARIMA | 0.021316 |
| MSTL | 0.021545 |
| MSTL_115 | 0.030462 |
Forecast horizon: 60 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 44% |
| H-stat | 3.18 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.630 |
| Excess Kurtosis | -0.07 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-04-26 |
| Last Dividend Date | 2026-04-26 |
| Revenue per Share | 6.94 |
| Market Cap | 1,662,827,520 |
| Trailing P/E | 16.22 |
| Forward P/E | 8.27 |
| Beta | 0.96 |
| Profit Margins | 17.64% |
| Website | https://www.oceanfirst.com |
As of July 11, 2026, 5:41 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume at deep strikes ($10, $12.50), suggesting a fear of a significant downside gap or liquidity event. Conversely, call interest is concentrated near the money and slightly out-of-the-money ($20, $22.50), indicating a preference for modest upside participation rather than aggressive speculation. Implied volatility is elevated on the deep puts relative to calls, highlighting asymmetric risk pricing.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 1.06% | 4.44% | 4.73% | 4.29% |
| Date | Dividend | Yield % |
|---|---|---|
| 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 | 0.017030358 |
| Address1 | 975 Hooper Avenue |
| All Time High | 30.9 |
| All Time Low | 6.458333 |
| Ask | 24.58 |
| Ask Size | 2 |
| Audit Risk | 4 |
| Average Analyst Rating | 2.3 - Buy |
| Average Daily Volume10 Day | 1,439,960 |
| Average Daily Volume3 Month | 951,783 |
| Average Volume | 951,783 |
| Average Volume10Days | 1,439,960 |
| Beta | 0.962 |
| Bid | 13.89 |
| Bid Size | 2 |
| Board Risk | 5 |
| Book Value | 28.982 |
| City | Toms River |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 3 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 19.14 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 19.335 |
| Day Low | 19.085 |
| Display Name | OceanFirst Financial |
| Dividend Date | 1,778,198,400 |
| Dividend Rate | 0.8 |
| Dividend Yield | 4.19 |
| Earnings Call Timestamp End | 1,785,528,000 |
| Earnings Call Timestamp Start | 1,785,528,000 |
| Earnings Growth | 0.027 |
| Earnings Quarterly Growth | -0.047 |
| Earnings Timestamp | 1,785,441,600 |
| Earnings Timestamp End | 1,785,441,600 |
| Earnings Timestamp Start | 1,785,441,600 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 6.252 |
| Enterprise Value | 2,479,820,288 |
| Eps Current Year | 1.86286 |
| Eps Forward | 2.31429 |
| Eps Trailing Twelve Months | 1.18 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,777,248,000 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 18.623 |
| Fifty Day Average Change | 0.5170002 |
| Fifty Day Average Change Percent | 0.027761383 |
| Fifty Two Week Change Percent | 1.7030358 |
| Fifty Two Week High | 20.61 |
| Fifty Two Week High Change | -1.4700012 |
| Fifty Two Week High Change Percent | -0.071324654 |
| Fifty Two Week Low | 16.09 |
| Fifty Two Week Low Change | 3.0499992 |
| Fifty Two Week Low Change Percent | 0.18955868 |
| Fifty Two Week Range | 16.09 - 20.61 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 836,400,600,000 |
| Five Year Avg Dividend Yield | 4.22 |
| Float Shares | 50,324,604 |
| Forward Eps | 2.31429 |
| Forward P E | 8.270354 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 898 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.0 |
| Gross Profits | 396,644,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.02706 |
| Held Percent Institutions | 0.71349 |
| Implied Shares Outstanding | 86,877,099 |
| 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 | 1,777,248,000 |
| 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 | 1,662,827,520 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_364474 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 67,129,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 1,660,221,361 |
| Number Of Analyst Opinions | 6 |
| Open | 19.11 |
| Operating Cashflow | 114,207,000 |
| Operating Margins | 0.35234 |
| Overall Risk | 5 |
| Payout Ratio | 0.67800003 |
| Peg Ratio | 1.15 |
| Phone | 888 623 2633 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 19.14 |
| Post Market Time | 1,783,981,118 |
| Previous Close | 19.11 |
| Price Eps Current Year | 10.274524 |
| Price Hint | 2 |
| Price To Book | 0.66040987 |
| Price To Sales Trailing12 Months | 4.192231 |
| Profit Margins | 0.17642 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.28571 |
| Region | US |
| Regular Market Change | 0.0299988 |
| Regular Market Change Percent | 0.156979 |
| Regular Market Day High | 19.335 |
| Regular Market Day Low | 19.085 |
| Regular Market Day Range | 19.085 - 19.335 |
| Regular Market Open | 19.11 |
| Regular Market Previous Close | 19.11 |
| Regular Market Price | 19.14 |
| Regular Market Time | 1,783,972,800 |
| Regular Market Volume | 620,366 |
| Return On Assets | 0.00503 |
| Return On Equity | 0.041479997 |
| Revenue Growth | 0.085 |
| Revenue Per Share | 6.94 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 8 |
| Shares Outstanding | 86,877,099 |
| Shares Percent Shares Out | 0.0477 |
| Shares Short | 4,142,665 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 5,054,943 |
| Short Name | OceanFirst Financial Corp. |
| Short Percent Of Float | 0.048899997 |
| Short Ratio | 2.99 |
| Source Interval | 15 |
| State | NJ |
| Symbol | OCFC |
| Target High Price | 24.0 |
| Target Low Price | 19.0 |
| Target Mean Price | 21.75 |
| Target Median Price | 22.0 |
| Total Cash | 195,908,992 |
| Total Cash Per Share | 3.401 |
| Total Debt | 1,573,264,000 |
| Total Revenue | 396,644,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.8 |
| Trailing Annual Dividend Yield | 0.041862898 |
| Trailing Eps | 1.18 |
| Trailing P E | 16.220339 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 18.5785 |
| Two Hundred Day Average Change | 0.56149864 |
| Two Hundred Day Average Change Percent | 0.030223032 |
| Type Disp | Equity |
| Volume | 620,366 |
| Website | https://www.oceanfirst.com |
| Zip | 08,753-8320 |