OCFC · Oceanfirst Financial Corp
$19.08
-0.14 (-0.73%)
At close · Aug 20
Market Cap
$1.86B
Shares
96.65M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$19.08
Open$19.19
Day$19.06–19.31
52W close$17.20–20.40
Avg vol 30d925K
Short int4.1M · 4.2% float · 4.6d
Short vol67%
Last earningsJul 31, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 31, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Weak
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
−1%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
59%
mid-range
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+6%
trailing
YTD return
+6%
this year
Relative strength
−6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $19 › 200d $19 — 50d above 200d
Institutional flow
Accumulating
+12% holders QoQ · +50 funds added
Insider flow
Distributing
Net -$2.2M over 90 days · 100% sells
Short interest
Falling
4.22% of float · ▼ -8.6% MoM · 4.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
230 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
EPS growth
−29%
Y/Y
Free cash flow
$79.5M
Valuation
P/E 22.4
rich
Balance sheet
$192.7M
net debt
Quant / Vol
risk profile
Volatility
29%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 31, 2026
Q3-26
Net Interest Margin
3.07% – 3.12%
Operating Expenses
$120M – $125M
Q4-26
Net Interest Margin
3.09% – 3.14%
Operating Expenses
$110M – $115M
Prior guidance
period ended
· from the 8-K filed Jan 22, 2026
Core Non-Interest Expense
· Q1-26
$70M – $71M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+2%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
59%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $19 › 200d $19 — 50d above 200d
Institutional flow
Accumulating
+12% holders QoQ · +50 funds added
Insider flow
Distributing
Net -$2.2M over 90 days · 100% sells
Short interest
Falling
4.22% of float · ▼ -8.6% MoM · 4.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
230 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $17
Now $19 · 59%
Range high $20
vs 200-day avg +2%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| % of Rent-Regulated to Assets(1) | 2.5% | 2Q 2026 | — |
| ACL Coverage at Close | 1.29% | 2Q 2026 | — |
| Allowance for loan credit losses to total non-performing loans | 193.75% | June 30, 2026 | — |
| Allowance for loan credit losses to total non-performing loans (excluding PCD) | 388% | June 30, 2026 | — |
| Book Value per Share | $18.19 | Q2-26 | — |
| Brokered deposits decreased | $192M | Q2-26 | — |
| CET1 Ratio | 10.7% | Q2 2026 | — |
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| commercial banking centers | 8 | Q2-26 | — |
| Commercial Centers | -8 | Q2 2026 | — |
| Commercial loan originations | $642M | Q2-26 | — |
| Core diluted earnings per share non-GAAP | $0.86 | Six Months Ended June 30, 2026 | — |
| Core earnings non-GAAP | $30.5M | three months ended June 30, 2026 | — |
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| Core earnings diluted earnings per share non-GAAP | $0.43 | Three Months Ended June 30, 2026 | — |
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| Core earnings PTPP non-GAAP | $44.5M | three months ended June 30, 2026 | — |
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| Core earnings PTPP diluted earnings per share non-GAAP | $0.63 | Three Months Ended June 30, 2026 | — |
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| Core Efficiency ratio non-GAAP | 66.2% | three months ended June 30, 2026 | — |
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| Core Non-Interest Expense to Average Assets (Annualized) non-GAAP | 2.02% | Q2-26 | — |
| Core Return on average assets non-GAAP | 0.71% | three months ended June 30, 2026 | — |
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| Core Return on average tangible common equity non-GAAP | 8.92% | three months ended June 30, 2026 | — |
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| Core Return on average tangible stockholders' equity non-GAAP | 8.92% | three months ended June 30, 2026 | — |
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| Core ROAA(1) non-GAAP | 0.71% | Q2-26 | — |
| Core ROTCE non-GAAP | 8.92% | Q2-26 | — |
| Core ROTCE(1) non-GAAP | 8.92% | Q2-26 | — |
| CRE concentration | 381% | Q2-26 | — |
| Deposits increased | $6.6B | Q2-26 | — |
| Effective tax rate | 28.7% | Six months ended June 30, 2026 | — |
| Efficiency ratio non-GAAP | 66.2% | Q2 2026 | — |
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| Efficiency ratio (Core) non-GAAP | 66.2% | Three Months Ended June 30, 2026 | — |
| Flushing’s multifamily loan portfolio | $1.3B | Q2-26 | — |
| Home Eq. & Consumer | $197M | Q2-26 | — |
| loan pipeline | $409M | Q2-26 | — |
| Loan-to-deposit ratio | 92% | 2Q 2026 | — |
| Market Cap | $1.9B | 6/30/26 | — |
| Nest Egg AUA/M | 503.82M | Three Months Ended June 30, 2026 | — |
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| Net Charge-offs / Avg Loans (annualized) | 0.05% | Q2-26 | — |
| Net Interest Margin | 3.05% | Q2-26 | — |
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| Net loan charge-offs | 2.2M | Six months ended June 30, 2026 | — |
| Net loan charge-offs to average total loans | 0.04% | Six months ended June 30, 2026 | — |
| Non-performing Loans / Loans(2) | 0.33% | Q1-26 | — |
| Non-performing loans to total loans | 0.67% | June 30, 2026 | — |
| NPA to total assets | 0.38% | Q2-26 | — |
| Number of full-service customer facilities | 71 | Q2 2026 | — |
| OceanFirst Foundation contribution | $5M | Q2-26 | — |
| Q2-26 Avg. Cost of Deposits | 2.06% | Q2-26 | — |
| Return on average assets non-GAAP | 0.71% | Q2 2026 | — |
| Return on average assets (Core) non-GAAP | 0.71% | Three Months Ended June 30, 2026 | — |
| Return on average tangible common equity non-GAAP | 8.92% | Q2 2026 | — |
| Return on average tangible common equity (Core) non-GAAP | 8.92% | Three Months Ended June 30, 2026 | — |
| Return on average tangible stockholders' equity non-GAAP | 8.92% | Q2 2026 | — |
| Return on average tangible stockholders’ equity (Core) non-GAAP | 8.92% | Three Months Ended June 30, 2026 | — |
| ROAA (%) non-GAAP | 0.71% | Q1-26 | — |
| ROTCE (%) non-GAAP | 8.92% | Q1-26 | — |
| Shares outstanding | 98.4M | June 30, 2026 | — |
| Stockholders' equity to assets ratio | 10.36% | June 30, 2026 | — |
| strategic equity investment | $225M | Q2-26 | — |
| Tang. Equity / Tang. Assets(3) | 7.9% | Q1-26 | — |
| Tangible Book Value per Common Share | $24.5 | Q2-26 | — |
| Tangible Book Value per Share non-GAAP | $18.19 | Q2 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 7.91% | Q2 2026 | — |
| Tangible common equity to tangible assets ratio non-GAAP | 7.91% | June 30, 2026 | — |
| Tangible stockholders' equity to tangible assets non-GAAP | 7.91% | Q2 2026 | — |
| Time deposits as percentage of total deposits | 23.7% | June 30, 2026 | — |
| Total AUA/M | 662.47M | Three Months Ended June 30, 2026 | — |
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| total consideration paid to Flushing shareholders | $538M | Q2-26 | — |
| Wealth assets under administration and management (“AUA/M”) | 158.65M | Three Months Ended June 30, 2026 | — |
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Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OCFC
this stock
Oceanfirst Financial Corp
|
$1.86B | +6.3% | — | 22.4 | 4.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OCFC | -2.1% | -2.1% | +5.7% | -1.2% | +6.3% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -0.1% | -5.4% | -5.5% | -3.3% | -5.5% |
Capital returns
Latest dividend
$0.20
/ share · ex Aug 10, 2026
Paid (TTM)
$0.80
/ share · 4 payouts
Dividend yield (TTM, derived)
4.19%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1004702
CUSIP
675234108
13F (30d)
211 filings
209 filers
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Investor relations