Stock AnalizOceanfirst Financial Corp. OCFC
Major Banks · data as of November 13, 2026
Oceanfirst Financial Corp. (OCFC) is a financial company listed in the US with a market value of about $1.7B. In the twelve months to September 30, 2026 it had revenue of $524M and net income of $47M, a net margin of 9.0%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is shareholder returns (5/5); the weakest is future growth (0/5).
Key numbers: a P/E of 26.5, a price to free cash flow of 8.0, 5-year revenue growth of 1% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 20% above the current price.
Score: 2.2 / 5
Checks passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
- Share count down over 3 years (buybacks)
Checks not passed
- P/E below 25
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $524M | $405M | $384M | $403M | $437M | $357M | $387M | $298M | $275M | $196M | $141M |
| Net income | $47M | $71M | $100M | $104M | $147M | $110M | $63M | $89M | $72M | $42M | $23M |
| Free cash flow | $218M | $80M | $85M | $117M | $234M | $118M | $118M | $95M | $81M | $31M | $27M |
| EPS (diluted) | $0.68 | $1.17 | $1.65 | $1.70 | $2.42 | $1.78 | $1.02 | $1.75 | $1.51 | $1.28 | $0.98 |
| Net margin | 9.0% | 17.5% | 26.0% | 25.8% | 33.6% | 30.8% | 16.4% | 29.7% | 26.1% | 21.6% | 16.4% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $21.54, 20% above the current price; targets range from $19.50 to $24.25; the consensus rating is “Buy”; expected EPS is $1.85 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Oceanfirst Financial’s P/E ratio?
About 26.5, based on the last twelve months of diluted earnings per share (forward P/E about 8.3).
Is Oceanfirst Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 20% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Oceanfirst Financial pay a dividend?
Yes. The dividend yield is about 4.38%, and it has paid dividends for 10 years in our data.
Is Oceanfirst Financial a good stock to buy?
We do not give buy or sell advice. Oceanfirst Financial scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.