# OceanFirst Financial Corp. (OCFC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $18.34, market value $1.8 billion.

## Valuation
- **P/E (trailing): 27.0×** (5-yr avg 10.4×, 3-yr avg 11.5×). OceanFirst Financial Corp. trades at 27.0× trailing earnings, well above its own five-year average of 10.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 6.2%** (5-yr avg 12.4%). Free cash flow equals 6.2% of the market value, below its five-year average of 12.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 3.7%**. The inverse of the P/E: 3.7% of the price is earned each year.

## Profitability
- **Return on equity: 4.3%**. 4.3% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -29.1%** (3-yr -21.5%/yr, 5-yr 2.8%/yr). Earnings per share fell 29.1%.
- **Free-cash-flow growth (3 yr): -30.3%/yr**. Free cash flow has compounded at -30.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 4.36%** ($0.80 per share, trailing). OceanFirst Financial Corp. yields 4.36%, an income-level yield.
- **Payout ratio: 68%** (41% of free cash flow). 68% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.3%/yr** (1-yr 0.0%). The dividend has grown 3.3% a year over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover OceanFirst Financial Corp.; the consensus is buy, with an average price target of $21.29 (+16% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 6.1%** (YTD 6.2%, 3-mo -5.0%). The shares are up 6.1% over twelve months including dividends.
- **From 52-week high: -11.0%** (17.6% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 72**. An RSI of 72 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.57** (volatility 27%). Beta of 0.57 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OCFC · Page: https://foliofundamentals.com/stocks/ocfc

Not investment advice.