QualityDipStocks / Finance · Major Banks
OceanFirst Financial OCFC
Outside our quality screen, so we don’t track its dips. It’s 8% below its 52-week high.
Outside our quality screen. No fair value estimate for now: its share count is unclear.
- Fair value est.
- n/a
- Market Value
- forming
- Off 52-wk high
- −8%
- Risk vs market
- Lowbeta 0.51
52-week range 64% of the way from its 52-week low to its high
Price $18.67
2 bullish · 5 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
No estimate for OCFC: SEC share count doesn't match the listed shares (share class / ADR ratio unclear). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much OCFC moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 2.1× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.51
- Volatility
- 27% vs 13% SPY
- Correlation SPY
- 0.24
- Correlation QQQ
- 0.09
Valuation details
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 2 of 5
GrowthSales grew 13% to $442M over the last 12 months vs the 12 months before (SEC filings).
Cash returnsDividend yield of 2.5% ($46M paid over 12 months, 96% of earnings).
Top bearish points 5 of 5
ValuationP/E of 37.6× vs a 13.3× median for the 364 Finance companies we cover.
Cash returnsShare count up 21.6% in a year: existing holders are being diluted.
GrowthDiluted EPS fell 29% to $1.17 in FY2025.
GrowthSales shrank 2% a year from FY2022 to FY2025.
QualityDoesn’t pass our quality screen: no cash-flow data; ROE under 12% and ROIC under 10%.
All fundamentals
P/E 37.6 · Sales +13%
Valuation
- P/E
- 37.6×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 4.07×
- Price / book
- n/anot reported in its SEC filings
- Market cap
- $1.8Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $442Mnet interest income + noninterest income
- Sales growth, 12 months
- +13.5%vs the 12 months before
- Sales growth, 3 yrs
- −2.5%/yrfrom FY2022
- Diluted EPS, 12 months
- $0.81
- EPS growth, last FY
- −29.1%
- Net income, 12 months
- $48M
- Net income growth
- −41%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 10.8%
- FCF margin
- 25.5%
- Return on equity
- n/anot reported in its SEC filings
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- n/anot reported in its SEC filings
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $113M
- FCF growth, 12 months
- +160%
- Dividend yield
- 2.55%$46M paid
- Payout ratio
- 96%
- Buybacks, 12 months
- $8M0.4% of market cap
- Share count, 1 year
- +21.6%diluted shares vs a year ago
- Stock-based comp
- $6M
Trailing 12 months to Jun 30, 2026. From OceanFirst Financial’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +83%
- Return on equity2%
- Sales growth (latest quarter vs year-ago quarter)+83%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $18.67
- 52-wk lowlowest close, 1 year$15.62−16.3%
- PriceMon Nov 2 close$18.67you are here
- 52-wk highhighest close, 1 year$20.40+9.3%
Momentum & 52-week range
RSI 72 · 5 days +13.3%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
OCFC is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on OceanFirst Financial in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Major Banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.