OceanFirst Financial stock
OCFCNASDAQOceanFirst Financial Corp., Financial ServicesISIN US6752341080
49Score 49 out of 100, Weak
Price and trend
63 / 100
Price history
+0.1% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 1.2% below it.
Since October 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 67).
The price is 11% below its 52-week high. Largest decline in 20 years: 69% (December 2006 to March 2009).
Chart figures for advanced users
- SMA 50$17.41
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$18.47
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)67
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$15.62
- The lowest closing price of the last twelve months.
- Resistance$20.40
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- OceanFirst Financial Corp. belongs to the Banks (Regional) industry (United States) and, with a market value of $1.8B, is number 254 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $373.37M (down 1.7% year on year) and earnings of $70.98M (down 29.1%).
- For fiscal 2026, analysts expect on average revenue of $603.26M (up 61.6%) and adjusted earnings per share of $1.85 (up 29.4%).
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- MEQIRI Score 49 out of 100 (Weak): rank 866 of 976 in Financial Services, median 68.
- The P/E is 38.1 because earnings over the last twelve months collapsed; on the expected earnings of the next twelve months it is 8.3 (Banks (Regional) median 12.2). The P/E therefore does not count in the score.
- Our model puts fair value at $24.84, with the price 27% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 16 years.
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 64
- High dividend yieldDividend yield 4.39%, Banks (Regional) median 2.79%.
Weaknesses
- Margin fallingOperating margin 24.8%, average of the prior years 34.4% (to 2024).Profitability 19
- Low return on equityReturn on equity 2.3% over the last 12 months.Profitability 19
Its standout strengths are valuation and stability, while capital allocation and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
Valuation
Valuation signal
Possible value trapIn our model the price counts as cheap below $19.11 and expensive above $35.49 (uncertainty medium, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $20.70, at 7.8% it would be $31.05.
Possible value trap: looks cheap, but score below 50.
Valuation metrics
From the excess return model alone; after a one-off collapse in earnings there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2025, revenue fell 1.7% on the prior year. Revenue has grown solidly since 2006, at about 9% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 25%, net 19%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 10%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 77 days
- Last reported
- 27 Oct 2026EPS reported $0.48 (expected $0.40)above expectations
Analyst estimates
Analysts have raised their 2026 earnings estimate by 5.5% since 15 Oct 2026.
- Earnings per share
- $1.85+5.5%
- Revenue
- $603.26M+1.6%
- Earnings per share
- $2.26−0.3%
- Revenue
- $748.35M−0.4%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +6.8%OceanFirst essentially confirms prior targets: net interest margin stable to modestly higher in Q4, other income still around $13 million per quarter, core operating expenses declining to $110 million, tax rate 28% to 29%. 2027 profitability targets remain unchanged, with detailed 2027 guidance …
“We continue to expect other income of $13 million per quarter and core operating expenses to decline to $110 million. With the full run rate of cost saves reflected in the first quarter of 2027.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 28 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
3 insiders bought on the open market between 30 Oct 2026 and 3 Nov 2026, $277,785 in total. 2 insiders sold, $2.31M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at OceanFirst Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 49
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Dime Community BancsharesDCOM $1.85B68
- HappenHAPN $1.81B62
- Republic BancorpRBCAA $1.81B69
- S&T BancorpSTBA $1.8B71
- Permanent TSB Group HoldingsPTSB.IR $1.79B44
- InterINTR $1.78B52
- Byline BancorpBY $1.74B76
- FirstSun Capital BancorpFSUN $1.69B55
ETFs that hold OceanFirst Financial
Held by 15 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| State Street SPDR S&P Global Dividend Aristocrats UCITS ETF (Dist)ZPRG | 0.82% | 0.45% | €1.63B |
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.07% | 0.29% | €182.46M |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.07% | 0.35% | €204.34M |
Show 5 more
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.05% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.05% | 0.30% | €2.17B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.05% | 0.30% | €185.82M |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.05% | 0.30% | €944.34M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.02% | 0.35% | €8.19B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 31 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.