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Jersey Shore, New Jersey-based bank offering commercial and retail banking along the New Jersey coast.
Jersey Shore, New Jersey-based bank offering commercial and retail banking along the New Jersey coast.
Earns mainly from the gap between interest on loans and what it pays on deposits, with a loan book weighted to commercial lending. It began on the Jersey Shore and has extended into the New York and Philadelphia areas through bank acquisitions.
Moat: narrow (scale, distribution). Established Jersey Shore branch franchise built through community-bank acquisitions.
Headquarters: Toms River, New Jersey, US · Founded: 1902 · Employees: 954
Size OceanFirst Financial (OCFC) is a United States Financials company (Savings Banks) with a market value of $1.82B, the 1863rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $18.13 on 6 Nov 2026.
Performance Over six months the shares fell 3.6%, against +8.8% for the median peer and -1.1% for the United States market (cap-weighted) — 4th lowest of 20 in its peer set.
Growth Revenue grew 31.3% over the last twelve months (peer median +5.4%); the operating margin is 31.8% (peer median 43.9%).
Valuation It trades at 0.75× book value against a peer median of 1.14× (2nd cheapest of 20).
Price implies The share price implies a return on equity of about 8.1%; OceanFirst Financial delivers 2.3%, so the price asks more than the business earns today.
Short interest Short interest is 5.7% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $890M | $687M | $688M | $640M | $482M |
| Revenue growth | — | 0% | +8% | +33% | — |
| Net income | $47.0M | $71.0M | $100M | $104M | $147M |
| Free cash flow | n/a | $60.4M | $98.4M | $121M | $230M |
| Capital expenditure | n/a | $7.70M | $7.57M | $7.71M | $20.9M |
| Total debt | $2.30B | $1.73B | $1.35B | $1.14B | $1.50B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| OceanFirst Financial OCFC | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% |
| Provident Financial Services PFS | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% |
| Columbia Financial CLBK | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% |
| ConnectOne Bancorp CNOB | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | OCFC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +10.4% | +2.4% | 2nd highest of 21 |
| 6-month return | -3.6% | +8.8% | 4th lowest of 20 |
| Return on equity | 2.3% | 10.7% | 2nd lowest of 20 |
| Price / book | 0.75× | 1.14× | 2nd cheapest of 20 |
| Trailing P/E | 25.4× | 12.2× | 4th most expensive of 20 |
| ROE the price implies | 8.1% | 9.2% | 9th least demanding of 20 |
| ROE delivered | 2.3% | 10.7% | 2nd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| OceanFirst Financial OCFC | United States | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% | 2.3% |
| Shawbrook SHAW.L | United Kingdom | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% | 12.2% |
| Northwest Bancshares NWBI | United States | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% | 10.7% |
| Triumph Financial TFIN | United States | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% | 5.3% |
| American Savings Bank N.A ASBH | United States | $1.30B | n/a | n/a | n/a | n/a | n/a | n/a |
| Provident Financial Services PFS | United States | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% | 11.0% |
| Columbia Financial CLBK | United States | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% | 2.3% |
| Sparebank 1 Ostlandet SPOL.OL | Norway | $3.01B | +9% | -2% | 9% | 1.09× | 7.1% | 9.1% |
| Capitol Federal Financial CFFN | United States | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% | 8.4% |
| SpareBank 1 SMN MING.OL | Norway | $3.38B | +16% | -6% | 9% | 1.08× | 7.0% | 8.8% |
| TrustCo Bank Corp NY TRST | United States | $947M | +17% | +6% | 10% | 1.50× | 10.7% | 10.0% |
| WSFS Financial WSFS | United States | $3.99B | +10% | +2% | 12% | 1.53× | 12.4% | 12.4% |
| Southern Missouri Bancorp SMBC | United States | $775M | +2% | +3% | 13% | 1.29× | 10.5% | 12.9% |
| TFS Financial TFSL | United States | $4.61B | +9% | +6% | 5% | 2.72× | 18.1% | 5.1% |
| Hingham Institution for Savings HIFS | United States | $647M | +5% | +3% | 13% | 1.26× | 10.6% | 12.6% |
| Third Coast Bancshares TCBX | United States | $646M | +1% | +18% | 13% | 0.96× | 7.9% | 12.7% |
| Greene County Bancorp GCBC | United States | $615M | +51% | +8% | 17% | 2.15× | 12.5% | 16.7% |
| SpareBank 1 Ostfold Akershus SOAG.OL | Norway | $609M | -4% | +2% | 12% | 1.14× | 6.2% | 12.1% |
| Sparebanken More MORG.OL | Norway | $604M | -2% | -15% | 12% | 0.65× | 4.9% | 11.6% |
| Kearny Financial KRNY | United States | $585M | +10% | +1% | 5% | 0.77× | 6.8% | 4.9% |
| Ponce Financial PDLB | United States | $525M | +22% | +15% | 8% | 1.49× | 9.7% | 8.2% |