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OCFC 
OceanFirst Financial Corp (OCFC)
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Upturn Advisory Summary
12/09/2025: OCFC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21.5
1 Year Target Price $21.5
| 3 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.04% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.12B USD | Price to earnings Ratio 15.06 | 1Y Target Price 21.5 |
Price to earnings Ratio 15.06 | 1Y Target Price 21.5 | ||
Volume (30-day avg) 7 | Beta 1.08 | 52 Weeks Range 13.80 - 19.82 | Updated Date 12/9/2025 |
52 Weeks Range 13.80 - 19.82 | Updated Date 12/9/2025 | ||
Dividends yield (FY) 4.10% | Basic EPS (TTM) 1.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.08% | Operating Margin (TTM) 30.55% |
Management Effectiveness
Return on Assets (TTM) 0.58% | Return on Equity (TTM) 4.78% |
Valuation
Trailing PE 15.06 | Forward PE 10.5 | Enterprise Value 2822709760 | Price to Sales(TTM) 2.97 |
Enterprise Value 2822709760 | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 7.73 | Enterprise Value to EBITDA - | Shares Outstanding 57388784 | Shares Floating 55349586 |
Shares Outstanding 57388784 | Shares Floating 55349586 | ||
Percent Insiders 3.27 | Percent Institutions 78.96 |
Upturn AI SWOT
OceanFirst Financial Corp
Company Overview
History and Background
OceanFirst Financial Corp. (NASDAQ: OCFC) was founded in 1902 as Ocean City Home Federal Savings and Loan Association. Over its history, it has evolved from a local savings and loan institution to a regional community bank. Significant milestones include its conversion to a stock company and subsequent initial public offering (IPO) in 2002, and a series of strategic acquisitions to expand its geographical footprint and service offerings, particularly in commercial banking and wealth management.
Core Business Areas
- Community Banking: OceanFirst provides a full range of retail and commercial banking services, including deposit accounts, commercial loans, residential mortgages, and home equity lines of credit. This segment is the core of its operations, serving individuals and small to medium-sized businesses.
- Commercial Real Estate Lending: A significant focus on lending to commercial real estate developers and investors, contributing substantially to its loan portfolio.
- Wealth Management: Offers investment advisory, trust services, and retirement planning to individuals and institutions through its wealth management division.
- Mortgage Banking: Engages in origination, sale, and servicing of residential mortgage loans.
Leadership and Structure
OceanFirst Financial Corp. operates as a bank holding company for OceanFirst Bank. The leadership team typically includes a CEO, CFO, Chief Risk Officer, and heads of various business segments such as Commercial Banking, Retail Banking, and Wealth Management. The organizational structure is designed to support its community banking model with a regional presence.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Standard deposit products for individuals and businesses. Competitors include large national banks, regional banks, and credit unions.
- Commercial Loans: Includes term loans, lines of credit, and equipment financing for small and medium-sized businesses. Competitors include other regional banks and national commercial lenders.
- Residential Mortgages: Origination and servicing of home loans. Competitors include national mortgage lenders and other community banks.
- Wealth Management Services: Investment management, financial planning, and trust services. Competitors include independent wealth advisors, larger brokerage firms, and trust companies.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by a mix of large national institutions, regional banks, and smaller community banks. Key trends include digital transformation, increasing regulatory scrutiny, evolving customer expectations for digital services, and consolidation through mergers and acquisitions. Interest rate environments significantly impact net interest margins.
Positioning
OceanFirst Financial Corp. positions itself as a community-focused bank with a strong regional presence in its core markets (primarily New Jersey, New York, and Pennsylvania). Its competitive advantages lie in its personalized customer service, deep local market knowledge, and a growing suite of commercial and wealth management services aimed at attracting and retaining affluent clients and businesses.
Total Addressable Market (TAM)
The TAM for community banking services, including deposits, loans, and wealth management, is substantial, encompassing millions of individuals and businesses across the United States. OceanFirst Financial Corp. targets a specific, albeit large, segment within this TAM, focusing on its established geographic markets and leveraging its community banking reputation. Its positioning is that of a significant regional player within this broader market.
Upturn SWOT Analysis
Strengths
- Strong community banking reputation and customer loyalty.
- Diversified revenue streams through commercial banking and wealth management.
- Strategic acquisitions have expanded market presence and service offerings.
- Experienced leadership team with a deep understanding of regional markets.
Weaknesses
- Geographic concentration in specific regions may limit broader growth.
- Susceptible to interest rate fluctuations impacting net interest margins.
- Smaller scale compared to national banks may limit technological investment or bargaining power.
Opportunities
- Continued expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging digital banking technologies to enhance customer experience and efficiency.
- Growing the wealth management and commercial lending segments.
- Cross-selling opportunities to existing customer base.
Threats
- Intensified competition from national banks, fintech companies, and other regional banks.
- Economic downturns impacting loan demand and credit quality.
- Rising interest rates could increase funding costs and pressure loan demand.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- TD Bank Group (TD)
- M&T Bank Corporation (MTB)
- Capital One Financial Corporation (COF)
- Other regional banks in New Jersey, New York, and Pennsylvania
Competitive Landscape
OceanFirst competes effectively in its core markets by leveraging its community bank ethos and localized expertise. Its advantages include personalized service and strong customer relationships. However, it faces significant disadvantages in scale and brand recognition compared to larger national banks, which can offer more extensive product suites and larger technological investment capacities. Fintech companies also present a growing competitive challenge by offering specialized digital solutions.
Major Acquisitions
OceanFirst Bank National Association (through merger with Capital Bank Corporation)
- Year: 2021
- Acquisition Price (USD millions): 204
- Strategic Rationale: Expanded OceanFirst's presence in Maryland and Northern Virginia, diversifying its geographic footprint and increasing its scale.
SJI's Mid-Atlantic Gas Distribution Business (acquisition of South Jersey Industries, Inc. pipeline assets)
- Year: 2022
- Acquisition Price (USD millions): 410
- Strategic Rationale: Diversified revenue streams into regulated utility infrastructure, providing stable, long-term cash flows and reducing reliance on traditional banking cycles.
Growth Trajectory and Initiatives
Historical Growth: OceanFirst Financial Corp. has demonstrated consistent historical growth, primarily driven by a combination of organic expansion within its core markets and strategic mergers and acquisitions that have broadened its geographic reach and product capabilities.
Future Projections: Analyst estimates for future growth typically focus on projected earnings per share (EPS) growth, revenue expansion, and continued expansion of the loan and deposit portfolios. These projections are contingent on economic conditions and the success of strategic initiatives. Numerical data would be arrays of projected EPS and revenue growth percentages.
Recent Initiatives: Key initiatives often include the integration of acquired banks, investment in digital banking platforms, expansion of commercial lending teams, and strategic hiring in wealth management. These efforts aim to drive efficiency, enhance customer experience, and capture market share.
Summary
OceanFirst Financial Corp. is a well-established regional community bank with a history of strategic growth through acquisitions and a focus on personalized service. Its diversified business lines in banking and wealth management provide resilience, but it faces intense competition from larger institutions and evolving fintech players. Continued investment in digital capabilities and careful management of interest rate risk will be crucial for sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- OceanFirst Financial Corp. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial news outlets (e.g., Wall Street Journal, Bloomberg)
- Industry analysis reports
Disclaimers:
This information is for informational purposes only and does not constitute financial advice or an offer to buy or sell securities. Financial data and market share estimates are subject to change and may vary depending on the source and methodology. Investors should conduct their own due diligence before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OceanFirst Financial Corp
Exchange NASDAQ | Headquaters Toms River, NJ, United States | ||
IPO Launch date 1996-07-03 | Chairman, President & CEO Mr. Christopher D. Maher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 975 | Website https://www.oceanfirst.com |
Full time employees 975 | Website https://www.oceanfirst.com | ||
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard, trust and fiduciary, asset management services, as well as bank owned life insurance products. The company was founded in 1902 and is headquartered in Toms River, New Jersey.
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