What is OceanFirst Financial Corp.'s (OCFC) StockRank?

MoatMap's StockRank for OceanFirst Financial Corp. (OCFC) is 37/100, with a Hold signal. This is a composite score combining Quality (33), Value (46), and Momentum (50) factor ranks across MoatMap's universe of 25,000+ stocks.

Does OceanFirst Financial Corp. have an economic moat?

OceanFirst Financial Corp. (OCFC) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is OceanFirst Financial Corp. a buy, hold, or sell?

MoatMap's current signal for OceanFirst Financial Corp. (OCFC) is Hold, based on a StockRank of 37/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is OceanFirst Financial Corp. in?

OceanFirst Financial Corp. (OCFC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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OCFC

HoldHot Air

OceanFirst Financial Corp. · Financial Services · United States · $1.8B · Avg Vol: $18M/d

StockRank

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P/E (TTM)

24.0x

ROE

2.4%

D/E

1.0x

Dividend %

4.1%

COMPANY DESCRIPTION

OceanFirst Financial Corp. operates as the holding company for OceanFirst Bank, providing a full suite of commercial and retail banking services, including lending, deposits, and wealth management, primarily across New Jersey, New York, and Pennsylvania. The bank leverages its deep community ties and relationship-based approach to banking, establishing a solid regional presence and customer loyalty.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	431.6M	398.7M	379.8M	400.3M	-2.5%	427.6M	595.4M	754.4M	37.3%
EPS	2.43	1.70	1.65	1.17	-21.6%	0.81	1.47	1.89	27.3%
Shares	59.1M	59.4M	58.6M	57.4M	-3.0%	—	—	—	—
Debt	1.4B	974.8M	1.2B	1.6B	4.0%	2.4B	—	—	—
Equity	1.6B	1.7B	1.7B	1.7B	1.6%	—	—	—	—
Op CF	250.4M	124.3M	92.2M	87.2M	-29.6%	121.7M	—	—	—
Inv CF	-1.3B	-488.0M	106.4M	-1.2B	—	—	—	—	—
Fin CF	1.0B	349.5M	-228.7M	1.1B	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-4.6%

SMA 50SMA 200

$18.74

RSI (14)

43.6

52W High

$20.12

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.3%*17.3

ROE

2.4%16.5

GP/Assets

2.9%N/A

Op. Margin

36.8%53.7

FCF/Assets

0.7%N/A

Piotroski

446.2

Int. Cover

—50.0

D/E Ratio

0.95xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

24.0x18.4

EV/EBITDA

bankN/A

P/FCF

17.1xN/A

P/B

0.8x80.4

P/S

4.4x39.9

Div Yield

4.1%55.5

Momentum

52W High %

93%60.9

RS 6M

-5%43.9

SMA 50/200

1.04x52.4

EPS Rev 4W

+0.2%40.9

EPS Rev 12W

-2.6%19.1

EPS Improve

+186%91.3

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$1.8B

P/E (Forward)

8.4x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OCFC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
OCFC	OceanFirst Financial Corp.(you)	$1.8B	37	Hold
NBHC	National Bank Holdings Corporation	$1.8B	37	Hold
FSUN	FirstSun Capital Bancorp	$1.8B	36	Hold
ESQ	Esquire Financial Holdings, Inc.	$1.4B	36	Hold
CASH	Pathward Financial, Inc.	$1.7B	43	Hold
TFIN	Triumph Financial, Inc.	$1.7B	30	Sell
SBCF	Seacoast Banking Corporation of Florida	$3.3B	39	Hold
TBBK	The Bancorp, Inc.	$2.7B	44	Hold
SFNC	Simmons First National Corporation	$3.3B	34	Sell
BANC	Banc of California, Inc.	$2.9B	42	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$18.74
Market Cap	$1.8B
P/E (TTM)	23.99
P/E (Forward)	8.39
Price/Book	0.79
Return on Equity	2.4%
Debt/Equity	0.95x
Operating Margin	36.8%
Revenue Growth	32.2%
Dividend Yield	4.1%
Free Cash Flow	$106M