OCEANFIRST FINANCIAL CORP

OCFC

OCEANFIRST FINANCIAL CORP

OCFC

Insider Sentiment (TTM):

Last Purchase:2023-12-07Last Sale:2024-11-11Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:44,993,483Shares Outstanding:57,043,000Institutional Ownership Pct.:78.88%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	274	137	135	274	171	164	124	214	181	130	154	409
Debt Securities Available For Sale Excluding Accru…	2,068	1,181	1,232	1,262	736	746	828	912	721	745	754	453
Debt Securities Held To Maturity Excluding Accrued…	2,862	853	882	920	969	1,005	1,046	1,075	1,106	1,129	1,160	1,189
Federal Home Loan Bank Stock	181	120	129	142	107	102	109	99	93	86	94	82
Financing Receivable Excluding Accrued Interest Af…	-	11,059	10,971	10,490	10,120	10,058	10,055	9,964	9,961	10,068	10,137	10,068
Interest Receivable	91	50	49	48	44	45	46	49	51	53	52	50
Other Real Estate	13	10	10	7	8	2	2	-	-	-	0	-
Property Plant And Equipment And Finance Lease Rig…	-	112	113	112	113	115	115	116	117	119	121	123
Bank Owned Life Insurance	504	272	270	269	271	269	270	269	268	267	266	265
Assets Held For Sale Not Part Of Disposal Group	-	-	-	-	-	-	0	0	0	0	0	3
Goodwill	530	517	517	523	523	523	523	506	506	506	506	506
Intangible Assets Net Excluding Goodwill	91	8	9	10	11	12	13	7	8	9	10	10
Other Assets	367	149	149	159	152	171	186	159	203	200	180	241
Assets	23,270	14,556	14,564	14,325	13,328	13,309	13,421	13,488	13,322	13,419	13,538	13,498
Liabilities And Stockhold…
Deposits	17,760	11,156	10,964	10,436	10,232	10,177	10,066	10,116	9,994	10,237	10,435	10,534
Advances From Federal Home Loan Banks	1,732	1,180	1,397	1,706	939	891	1,073	892	789	658	849	606
Securities Sold Under Agreements To Repurchase	61	67	54	65	61	65	61	81	80	67	73	83
Other Borrowings	493	256	255	198	198	198	198	420	424	426	196	196
Advance Payments By Borrowers For Taxes And Insura…	113	26	21	24	19	29	23	27	25	28	22	30
Other Liabilities	699	202	209	243	235	240	298	258	332	337	301	412
Liabilities	20,859	12,887	12,902	12,671	11,684	11,600	11,718	11,794	11,645	11,753	11,876	11,861
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	-	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital Common Stock	1,844	1,122	1,118	1,116	1,115	1,170	1,168	1,166	1,165	1,163	1,162	1,161
Retained Earnings Accumulated Deficit	657	672	663	661	655	651	642	632	620	608	593	578
Accumulated Other Comprehensive Income Loss Net Of…	-3	-5	-2	-9	-11	-13	-16	-12	-17	-19	-21	-29
Common Stock Issued Employee Trust Deferred	-1	-1	-1	-2	-2	-2	-3	-3	-3	-3	-4	-4
Treasury Stock Common Value	-117	-119	-116	-115	-115	-98	-91	-91	-89	-84	-69	-69
Stockholders Equity	2,411	1,669	1,663	1,653	1,643	1,708	1,702	1,695	1,676	1,665	1,662	1,638
Minority Interest	-	-	0	1	1	1	1	1	1	1	1	1
Liabilities And Stockholders Equity	23,270	14,556	14,564	14,325	13,328	13,309	13,421	13,488	13,322	13,419	13,538	13,498
Debt Securities Available For Sale Restricted	-	-	897	-	-	-	471	-	-	-	304	-
Debt Securities Held To Maturity Allowance For Cre…	1	1	1	1	1	1	1	1	1	1	1	1
Held To Maturity Securities Fair Value	2,803	793	826	857	896	926	953	1,008	1,004	1,030	1,068	1,047
Held To Maturity Securities Restricted	-	-	543	-	-	-	599	-	-	-	851	-
Financing Receivable Allowance For Credit Loss Exc…	-	86	84	81	79	79	74	69	69	67	67	64
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Liquidation Preference Value	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	-	150	150	150	150	150	150	150	150	150	150	150
Common Stock Shares Issued	-	63	63	63	63	63	63	63	63	63	62	62
Shares Outstanding	-	58	57	57	57	58	59	58	58	59	59	59
Treasury Stock Common Shares	6	6	6	6	6	5	4	4	4	4	3	3

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.58%	-5.21%	4.73%	-	-	-	-	-	-	-	-	-
2025	-2.29%	-2.12%	9.82%	12.68%	9.80%	14.52%	5.66%	10.76%	3.59%	-3.16%	6.42%	1.84%
2024	-1.83%	-3.21%	13.94%	4.27%	6.67%	11.88%	16.00%	-1.17%	4.22%	-5.39%	-12.55%	-1.41%
2023	-	-	-	-	-	-	7.61%	25.89%	31.76%	-1.57%	-3.15%	4.43%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.84	-0.76	-0.75	-0.73	-0.69	-0.66	-0.14	0.38	0.89	1.50	1.56	1.91
Per Share Metrics
Diluted EPS TTM	0.68	1.18	1.17	1.26	1.38	1.51	1.65	1.77	1.68	1.73	1.70	2.22
Free Cash Flow Per Share TTM	1.60	1.87	1.38	1.57	0.75	0.61	1.45	0.22	1.54	2.38	1.98	3.11
Dividend Per Share TTM	0.65	0.82	0.84	0.87	0.88	0.87	0.87	0.88	0.88	0.87	0.87	0.87
Margin Metrics
Gross Profit Margin TTM	-46.47%	-18,525.83%	-18,541.41%	-17,752.41%	-18,244.11%	-18,349.91%	-17,558.34%	-17,676.64%	-14,911.14%	-12,737.54%	-10,911.27%	-7,568.91%
Operating Profit Margin TTM	30.32%	5,924.66%	6,110.70%	6,513.54%	7,153.29%	7,364.92%	7,487.45%	7,207.53%	6,048.49%	5,708.51%	5,407.87%	6,926.56%
Net Profit Margin TTM	22.73%	4,356.20%	4,433.82%	4,552.28%	5,045.06%	5,411.94%	5,504.24%	5,305.72%	4,433.65%	4,164.72%	3,954.65%	5,309.07%
Growth Metrics
Net Revenue Growth (1Y)	13,239.94%	-5.17%	-13.24%	-18.51%	-28.73%	-33.48%	-31.00%	-21.50%	-6.69%	2.26%	5.99%	3.05%
Net Income Growth (1Y)	-39.91%	-23.67%	-30.11%	-30.09%	-18.90%	-13.56%	-3.96%	-21.55%	-34.21%	-31.94%	-32.13%	12.87%
EPS Growth (1Y)	-50.60%	-22.25%	-29.04%	-28.82%	-18.04%	-12.54%	-2.89%	-20.14%	-33.32%	-31.95%	-32.38%	12.06%
Valuation Metrics
P/E TTM	28.34	15.01	14.88	13.35	12.07	10.51	10.16	9.60	8.53	8.46	9.02	5.66
P/B TTM	0.56	0.60	0.60	0.58	0.59	0.54	0.57	0.58	0.50	0.52	0.54	0.45
P/S TTM	6.44	653.98	659.58	607.70	609.10	568.97	559.38	509.33	378.05	352.32	356.70	300.73
Market Cap	1.36B	1.01B	998.60M	960.17M	962.38M	924.58M	976.12M	987.60M	838.14M	860.72M	902.09M	742.79M
Enterprise Value	1.08B	870.80M	863.47M	686.05M	791.78M	760.86M	852.50M	773.42M	656.94M	730.30M	748.37M	333.91M
Calculated Values
Free Cash Flow TTM	112.68M	106.41M	79.51M	89.57M	43.26M	35.60M	84.68M	13.02M	89.97M	139.76M	116.55M	183.73M
Net Debt	-274.06M	-136.98M	-135.13M	-274.13M	-170.60M	-163.72M	-123.62M	-214.17M	-181.20M	-130.42M	-153.72M	-408.88M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-11-11Sale

Owner: Murphy, Joseph M. Jr.

Title: -

Shares: 1,500

Price/Share: $20.03

Value: $30,045.00

Shares Owned: 177,417

Relationship: Director

Ownership: Direct

2024-05-02Sale

Owner: Schaeffer, Brian

Title: -

Shares: 3,500

Price/Share: $15.49

Value: $54,215.00

Shares Owned: 41,868

Relationship: Other

Ownership: Direct

2024-03-05Sale

Owner: Schaeffer, Brian

Title: -

Shares: 1,747

Price/Share: $14.84

Value: $25,925.48

Shares Owned: 45,368

Relationship: Other

Ownership: Direct

2024-03-05Sale

Owner: Maher, Christopher

Title: Chairman and CEO

Shares: 10,713

Price/Share: $14.90

Value: $159,623.70

Shares Owned: 328,362

Relationship: Director,Officer

Ownership: Direct

2024-03-05Sale

Owner: Ho, Angela K

Title: -

Shares: 685

Price/Share: $14.87

Value: $10,185.95

Shares Owned: 22,006

Relationship: Other

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-11-11	Murphy, Joseph M. Jr.	Director	-	Direct	Sale	1,500	20.03	$30,045.00	177,417	4
2024-05-02	Schaeffer, Brian	Other	-	Direct	Sale	3,500	15.49	$54,215.00	41,868	4
2024-03-05	Schaeffer, Brian	Other	-	Direct	Sale	1,747	14.84	$25,925.48	45,368	4
2024-03-05	Maher, Christopher	Director,Officer	Chairman and CEO	Direct	Sale	10,713	14.90	$159,623.70	328,362	4
2024-03-05	Ho, Angela K	Other	-	Direct	Sale	685	14.87	$10,185.95	22,006	4
2024-03-05	Lebel, Joseph Iii	Director,Officer	President and COO	Direct	Sale	8,496	14.93	$126,845.28	275,672	4
2024-03-05	Giordano, Anthony Iii	Other	-	Direct	Sale	1,980	14.81	$29,323.80	20,479	4
2024-03-05	Estep, Michele B	Other	-	Direct	Sale	6,867	14.94	$102,592.98	155,456	4
2024-03-05	Tsimbinos, Steven James	Officer	Executive VP/Corp. Secretary	Direct	Sale	4,687	14.79	$69,320.73	179,557	4
2023-12-07	Barros, John F	Director	-	Direct	Purchase	462	15.38	$7,105.56	462	4
2023-12-05	Garrett, Robert C	Director	-	Direct	Purchase	70	15.04	$1,052.80	70	4
2023-10-26	Giordano, Anthony Iii	Other	-	Direct	Purchase	2,345	12.75	$29,898.75	22,459	4
2023-06-15	Lebel, Joseph Iii	Director,Officer	President and COO	Direct	Sale	10,530	16.65	$175,324.50	214,444	4
2023-06-02	Farris, Jack M.	Director	-	Direct	Purchase	100	14.76	$1,476.00	13,505	4
2023-05-12	Maher, Christopher	Director,Officer	Chairman and CEO	Indirect	Purchase	2,000	13.10	$26,200.00	5,000	4
2023-05-11	Maher, Christopher	Director,Officer	Chairman and CEO	Indirect	Purchase	1,000	13.00	$13,000.00	3,000	4
2023-05-09	Maher, Christopher	Director,Officer	Chairman and CEO	Indirect	Purchase	1,000	13.34	$13,340.00	1,000	4
2023-05-04	Barrett, Patrick Sean	Officer	Executive Vice President & CFO	Direct	Purchase	1,000	19.11	$19,110.00	2,000	4
2023-05-04	Lebel, Joseph Iii	Director,Officer	President and COO	Direct	Purchase	1,000	19.00	$19,000.00	4,000	4
2023-04-27	Murphy, Joseph M. Jr.	Director	-	Direct	Purchase	6,473	15.45	$100,007.85	175,563	4
2023-04-27	Maher, Christopher	Director,Officer	Chairman and CEO	Direct	Purchase	1,000	15.26	$15,260.00	266,644	4
2023-04-25	Barrett, Patrick Sean	Officer	Executive Vice President & CFO	Direct	Purchase	1,000	15.86	$15,860.00	53,128	4
2023-03-15	Lebel, Joseph Iii	Director,Officer	President and COO	Direct	Purchase	1,000	21.99	$21,990.00	3,000	4/A
2023-03-13	Murphy, Joseph M. Jr.	Director	-	Direct	Purchase	3,643	21.93	$79,890.99	3,643	4
2023-03-13	Lebel, Joseph Iii	Director,Officer	President and COO	Direct	Purchase	1,000	21.99	$21,990.00	3,000	4
2023-03-13	Tsimbinos, Steven James	Officer	Executive VP/Corp. Secretary	Direct	Purchase	2,000	22.12	$44,240.00	3,000	4
2022-08-02	Devlin, Michael D	Director	-	Direct	Sale	60,000	20.61	$1,236,600.00	52,114	4
2022-06-24	Barrett, Patrick Sean	Officer	Executive Vice President & CFO	Direct	Purchase	10,500	18.91	$198,555.00	20,508	4
2022-05-17	Lebel, Joseph Iii	Officer	President and COO	Direct	Purchase	1,000	25.13	$25,130.00	2,000	4
2022-05-13	Katsoulis, Nicos	Director	-	Direct	Purchase	2,000	18.99	$37,980.00	20,086	4
2022-05-12	Turner, Patricia Lynne	Director	-	Direct	Purchase	300	18.38	$5,514.00	4,836	4
2022-03-10	Katsoulis, Nicos	Director	-	Direct	Purchase	2,000	21.40	$42,800.00	18,086	4
2022-03-07	Estep, Michele B	Other	-	Direct	Sale	3,790	22.17	$84,024.30	105,893	4
2022-03-07	Vallacchi, Grace	Director,Officer	Executive Vice President & CRO	Direct	Sale	3,566	0.00	$0.00	81,547	4
2022-03-07	Lebel, Joseph Iii	Officer	President and COO	Direct	Sale	5,325	22.17	$118,055.25	178,931	4
2022-03-07	Giordano, Anthony Iii	Other	-	Direct	Sale	1,767	22.17	$39,174.39	21,805	4
2022-03-07	Sridharan, Karthik	Other	-	Direct	Sale	3,234	22.17	$71,697.78	80,939	4
2022-03-07	Ho, Angela K	Officer	SVP/Principal Accounting Off.	Direct	Sale	742	22.17	$16,450.14	10,801	4
2022-03-07	Maher, Christopher	Director,Officer	Chairman and CEO	Direct	Sale	22,025	22.17	$488,294.25	234,009	4
2021-11-29	Katsoulis, Nicos	Director	-	Indirect	Purchase	3,000	20.90	$62,700.00	3,000	4
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Institutional Ownership

No data available for chart

2026-03-31

78.88%

Inst. Shares: 44,993,483

Shares Outstanding: 57,043,000

2025-12-31

72.04%

Inst. Shares: 41,364,905

Shares Outstanding: 57,419,000

2025-09-30

71.93%

Inst. Shares: 41,024,909

Shares Outstanding: 57,031,000

2025-06-30

69.81%

Inst. Shares: 40,304,380

Shares Outstanding: 57,738,000

2025-03-31

69.99%

Inst. Shares: 40,664,459

Shares Outstanding: 58,102,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	44,993,483	57,043,000	78.88%
2025-12-31	41,364,905	57,419,000	72.04%
2025-09-30	41,024,909	57,031,000	71.93%
2025-06-30	40,304,380	57,738,000	69.81%
2025-03-31	40,664,459	58,102,000	69.99%
2024-12-31	40,036,950	58,296,000	68.68%
2024-09-30	38,841,640	58,065,000	66.89%
2024-06-30	39,490,256	58,356,000	67.67%
2024-03-31	38,645,177	58,789,000	65.74%
2023-12-31	38,639,044	58,948,000	65.55%
2023-09-30	37,251,453	59,104,000	63.03%
2023-06-30	37,599,903	59,147,000	63.57%
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OCEANFIRST FINANCIAL CORP (OCFC) — SEC Financial Statements & Analysis

OCEANFIRST FINANCIAL CORP (OCFC) is a national commercial banks company, incorporated in DE. OCEANFIRST FINANCIAL CORP trades on Nasdaq as: OCFC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), OCEANFIRST FINANCIAL CORP reported a 13239.94% year-over-year revenue growth, a Gross Profit Margin of -46.47% (TTM), a Price-to-Sales (P/S) ratio of 6.44x (TTM), a Price-to-Book (P/B) ratio of 0.56x (TTM), at a market cap of $1.36B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 13239.94%
Gross Profit Margin TTM: -46.47%
P/S TTM: 6.44x
P/B TTM: 0.56x
Market Cap: $1.36B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is OCEANFIRST FINANCIAL CORP in?

OCEANFIRST FINANCIAL CORP (OCFC) operates in the National Commercial Banks industry.

What is OCFC's market cap?

OCEANFIRST FINANCIAL CORP (OCFC) has a market capitalization of $1.36B as of 2026-06-30.

What is OCFC's P/E ratio?

OCEANFIRST FINANCIAL CORP (OCFC)'s trailing twelve month P/E ratio is 28.34x as of 2026-06-30.

What exchange does OCFC trade on?

OCEANFIRST FINANCIAL CORP (OCFC) trades on the Nasdaq.

Where is OCEANFIRST FINANCIAL CORP incorporated?

OCEANFIRST FINANCIAL CORP is incorporated in DE.