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Upturn AI Summary - About
OceanFirst Financial Corp.(OCFC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OCFC
10/20/2026: OCFC (1-star) is currently NOT-A-BUY. Pass it for now.
OceanFirst Financial Corp. is a regional bank headquartered in New Jersey, serving the Mid-Atlantic market through a combination of commercial lending, consumer banking, and wealth management services. The company's primary strength lies in its established local relationships and its history of executing strategic regional acquisitions to increase scale. The growth story centers on maintaining disciplined credit quality while diversifying fee-based income. However, the bank faces risks from interest rate volatility, regional economic dependence, and intense competition from larger financial institutions. OceanFirst may be a suitable fit for value-oriented and income-focused investors who monitor the stability of net interest margins and the success of digital modernization efforts.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature industry with moderate growth prospects rather than high-growth potential. |
| Momentum investor | Mixed fit | This is a cyclical stock that moves with the broader regional banking trend; it is suitable for momentum only during positive sector sentiment. |
| Value investor | Strong fit | The stock often trades at valuation multiples that may appeal to value investors seeking exposure to established financial institutions. |
| Dividend investor | Strong fit | The company provides a consistent dividend, making it attractive for investors prioritizing stable income. |
| Low-risk investor | Mixed fit | While banking is generally stable, the regional focus and CRE exposure introduce volatility that warrants caution. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks are sensitive to interest rate expectations and economic cyclicality. |
| Valuation risk | Medium | The stock is subject to broader market re-ratings of the financial sector. |
| Competition risk (banking) | High | Intense competition from larger banks and digital disruptors challenges market share and margins. |
| Business quality | Medium | The bank relies on traditional loan and deposit products which offer limited differentiation. |
| Dividend income | Low | The dividend is generally stable but subject to earnings performance in the banking sector. |
| Execution risk | Medium | Successful growth depends on disciplined acquisition integration and effective loan management. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -22.91% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/20/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.51B USD | Price to earnings Ratio 19.52 | 1Y Target Price 21.42 |
Price to earnings Ratio 19.52 | 1Y Target Price 21.42 | ||
Volume (30-day avg) 1.2M shares | Beta 1 | 52 Weeks Range 15.60 - 20.12 | Updated Date 10/19/2026 |
52 Weeks Range 15.60 - 20.12 | Updated Date 10/19/2026 | ||
Dividends yield (FY) 5.05% | Basic EPS (TTM) 0.8 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the primary way the bank makes money: by charging more for loans than it pays for deposits. |
| Non-Interest Income | Fees from wealth management, trust services, and service charges on deposit accounts. | These are fees earned from services, providing a stable revenue stream independent of interest rates. |
| Geographic Market (NJ/NY/PA) | Operations concentrated in the Mid-Atlantic region of the United States. | The bank's performance is closely tied to the regional economy of the NJ/NY/PA area. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate 0.4 | Actual - |
Profitability
Profit Margin 11.2% | Operating Margin (TTM) 36.82% |
Management Effectiveness
Return on Assets (TTM) 0.26% | Return on Equity (TTM) 2.37% |
Valuation
Trailing PE 19.52 | Forward PE 10.5 | Enterprise Value 3.61B | Price to Sales(TTM) 3.53 |
Enterprise Value 3.61B | Price to Sales(TTM) 3.53 | ||
Enterprise Value to Revenue 8.84 | Enterprise Value to EBITDA - | Shares Outstanding 96.65M | Shares Floating 84.54M |
Shares Outstanding 96.65M | Shares Floating 84.54M | ||
Percent Insiders 2.4 | Percent Institutions 85.45 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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