OceanFirst Financial Corp (OCFC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
OceanFirst Financial Corp stock (OCFC) is currently trading at $17.63. OceanFirst Financial Corp PE ratio is 14.95. OceanFirst Financial Corp PS ratio (Price-to-Sales) is 2.58. Analyst consensus price target for OCFC is $22.00. WallStSmart rates OCFC as Hold.
- OCFC PE ratio analysis and historical PE chart
- OCFC PS ratio (Price-to-Sales) history and trend
- OCFC intrinsic value — DCF, Graham Number, EPV models
- OCFC stock price prediction 2025 2026 2027 2028 2029 2030
- OCFC fair value vs current price
- OCFC insider transactions and insider buying
- Is OCFC undervalued or overvalued?
- OceanFirst Financial Corp financial analysis — revenue, earnings, cash flow
- OCFC Piotroski F-Score and Altman Z-Score
- OCFC analyst price target and Smart Rating
OceanFirst Financial Corp
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OCFC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · OceanFirst Financial Corp (OCFC)
OCFC trades 142% above its Graham fair value of $7.96, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
OceanFirst Financial Corp (OCFC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
OceanFirst Financial Corp (OCFC) Key Strengths (5)
Keeps $32 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
83.95% of shares held by major funds and institutions
Good growth relative to its price
Strong profitability: $18 kept per $100 revenue
Supporting Valuation Data
OceanFirst Financial Corp (OCFC) Areas to Watch (5)
Earnings declining -36.20%, profits shrinking
Very low returns on shareholder equity
Modest revenue growth at 9.70%
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.58x sales
OceanFirst Financial Corp (OCFC) Detailed Analysis Report
Overall Assessment
This company scores 62/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 3.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Institutional Own.. Valuation metrics including PEG Ratio (1.15), Price/Book (0.60) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.20%, Profit Margin at 18.30%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Revenue Growth. Some valuation metrics including Price/Sales (2.58) suggest expensive pricing. Growth concerns include Revenue Growth at 9.70%, EPS Growth at -36.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.22%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.22% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OCFC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OCFC's Price-to-Sales ratio of 2.58x trades at a deep discount to its historical average of 8.35x (0th percentile). The current valuation is 85% below its historical high of 17.15x set in Dec 2016, and 0% above its historical low of 2.58x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for OceanFirst Financial Corp (OCFC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
OceanFirst Financial Corp is a mature, profitable business with steady cash generation. Revenue reached 389M with 10% growth year-over-year. Profit margins of 18.3% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 33M in free cash flow and 36M in operating cash flow. Earnings are translating into actual cash generation.
ROE of 4.2% suggests the company isn't efficiently converting equity into profits.
What to Watch Next
Dividend sustainability with a current yield of 4.5%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 1.7B is significantly higher than cash (135M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact OceanFirst Financial Corp.
Bottom Line
OceanFirst Financial Corp is a well-established business delivering consistent profitability with 18.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About OceanFirst Financial Corp(OCFC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
OceanFirst Financial Corp. The company is headquartered in Red Bank, New Jersey.