US · OCFC
OceanFirst Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Red Bank, NJ 07701
- Website
- oceanfirst.com
Price · as of 2025-12-31
$19.02
Market cap 1.04B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $42.22 | +121.98% |
| Intrinsic Value(DCF) | $22.79 | +19.82% |
| Graham-Dodd Method(GD) | $13.52 | -28.92% |
| Graham Formula(GF) | $4.38 | -77% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $8.79 | $36.77 | $9.86 | $10.37 | $3.60 |
| 2012 | $9.17 | $27.93 | $8.82 | $10.78 | $3.56 |
| 2013 | $12.18 | $21.62 | $11.39 | $10.10 | $0.00 |
| 2014 | $11.70 | $25.94 | $10.27 | $11.64 | $16.56 |
| 2015 | $12.20 | $20.87 | $11.03 | $12.52 | $15.34 |
| 2016 | $20.69 | $47.38 | $21.46 | $15.28 | $56.61 |
| 2017 | $20.62 | $44.52 | $60.38 | $11.66 | $61.61 |
| 2018 | $18.41 | $34.93 | $156.78 | $13.19 | $78.41 |
| 2019 | $14.75 | $30.31 | $38.10 | $14.11 | $34.96 |
| 2020 | $20.17 | $47.90 | $26.71 | $10.96 | $34.66 |
| 2021 | $18.06 | $39.53 | $24.22 | $15.13 | $0.00 |
| 2022 | $18.10 | $40.34 | $23.49 | $18.71 | $79.51 |
| 2023 | $13.96 | $39.32 | $23.04 | $15.37 | $67.02 |
| 2024 | $16.43 | $34.88 | $24.15 | $15.70 | $27.09 |
| 2025 | $18.58 | $42.22 | $12.51 | $13.52 | $4.38 |
AI valuation
Our deep-learning model estimates OceanFirst Financial Corp.'s (OCFC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $42.22
- Current price
- $19.02
- AI upside
- +121.98%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$22.79
+19.82% upside
Graham-Dodd
$13.52
-28.92% upside
Graham Formula
$4.38
-77% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| OCFC | OceanFirst Financial Corp… | $19.02 | 1.04B | +122% | +20% | -29% | -77% | 15.02 | 0.64 | 1.63 | 15.21 | — | 0.94 | 54.48% | 14.11% | 10.83% | 4.22% | 3.54% | 0.51% | 1.03 | 0.33 | 3.86 | 3.86 | 16.99 | -2909.00% | -470.00% | -1028.00% | 7.12% | 0.02 | 3.79% | 4.52% | 67.90% | 4.52% | 15.21 | 18.52 | 2.15 | 0.87 |
| CFR | Cullen/Frost Bankers, Inc… | $138.22 | 8.74B | -43% | +51% | -56% | -24% | 13.85 | 1.96 | 3.08 | 4.38 | 116.98 | 1.96 | 75.04% | 26.43% | 22.21% | 15.31% | -7.45% | 1.23% | 1.04 | 1.13 | 0.21 | 0.21 | -4.77 | 1184.00% | 246.00% | -8522.00% | 1.42% | 0.01 | -1.46% | 2.92% | 40.40% | 4.68% | 4.88 | 29.57 | 1.29 | -0.52 |
| CNOB | ConnectOne Bancorp, Inc. | $26.53 | 1.33B | +66% | -60% | -11% | +26% | 16.81 | 0.86 | 2.23 | 10.46 | — | 1.05 | 44.17% | 18.59% | 13.26% | 5.72% | 5.25% | 0.67% | 0.74 | 0.39 | 391.51 | 391.51 | 9.56 | -1591.00% | 1344.00% | 7750.00% | 7.47% | 3.28 | 6.59% | 2.81% | 47.20% | 2.81% | 10.46 | 11.68 | 1.94 | 1.29 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| OBK | Origin Bancorp, Inc. | $41.60 | 1.29B | -37% | 0% | -19% | -69% | 17.32 | 1.04 | 2.18 | 10.88 | — | 1.20 | 58.22% | 16.50% | 12.56% | 6.29% | 16.83% | 0.78% | 0.03 | 0.48 | 0.05 | 0.05 | -0.33 | -204.00% | -295.00% | 1450.00% | 7.60% | 0.05 | 21.45% | 2.32% | 40.20% | 3.54% | 12.48 | 12.46 | 2.06 | 0.04 |
| OSBC | Old Second Bancorp, Inc. | $19.63 | 1.03B | +16% | +209% | +13% | +97% | 13.06 | 1.17 | 2.64 | 9.86 | — | 1.41 | 78.14% | 27.90% | 20.23% | 10.24% | 27.92% | 1.28% | 0.38 | 1.78 | 0.10 | 0.10 | 1.78 | -1337.00% | 1809.00% | 126.00% | 11.66% | 0.06 | 41.36% | 0.00% | 0.00% | 0.00% | 10.76 | 9.74 | 3.00 | 0.01 |
| PEBO | Peoples Bancorp Inc. | $32.27 | 1.15B | +79% | -4% | +22% | -19% | 10.74 | 0.95 | 1.85 | 12.55 | — | 1.41 | 67.46% | 21.80% | 17.27% | 9.21% | 10.71% | 1.13% | 0.61 | 0.85 | 0.84 | 0.84 | 4.05 | -967.00% | 40.00% | -120.00% | 11.75% | 0.02 | 13.51% | 0.00% | 0.00% | 0.00% | 12.55 | 12.56 | 2.74 | 0.10 |
| PFBC | Preferred Bank | $87.72 | 1.07B | +27% | +45% | +32% | -50% | 8.42 | 1.43 | 2.26 | 3.79 | 106.97 | 1.43 | 54.97% | 37.98% | 26.78% | 17.21% | 49.09% | 1.84% | 0.53 | 0.88 | 0.29 | 0.29 | -2.52 | 788.00% | -411.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.79 | — | 1.44 | 0.07 |
| QCRH | QCR Holdings, Inc. | $86.50 | 1.46B | +21% | +3% | +11% | -15% | 11.59 | 1.33 | 2.47 | 14.83 | 96.03 | 1.53 | 57.72% | 22.77% | 21.31% | 12.06% | 9.41% | 1.37% | 0.56 | 0.58 | 28.87 | 28.87 | 3.98 | 1207.00% | 153.00% | -8608.00% | 3.78% | 21.02 | 4.12% | 0.00% | 0.00% | 0.00% | 14.83 | 36.19 | 3.38 | 0.22 |
| WABC | Westamerica Bancorporatio… | $50.65 | 1.26B | -31% | +46% | -45% | — | 10.93 | 1.36 | 4.67 | -16.15 | — | 1.56 | 95.16% | 57.64% | 42.74% | 12.74% | -5.99% | 1.93% | 0.15 | 11.43 | 0.95 | 0.95 | -2.64 | -1288.00% | -1264.00% | -1282.00% | 9.60% | 0.02 | -6.29% | 3.70% | 40.40% | 3.70% | -16.78 | -21.57 | -9.67 | 0.38 |
About OceanFirst Financial Corp.
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing demand deposits, and time deposits to retail, government, and business customers. The company 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, overdraft line of credit, loans on savings accounts, and other consumer loans. In addition, it invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, the company offers bankcard, wealth management, and trust and asset management services; and sells alternative investment products and life insurance products. As of December 31, 2021, it operated through its branch office in Toms River; administrative office located in Red Bank and Mount Laurel; 46 additional branch offices and four deposit production facilities located throughout central and southern New Jersey; and commercial loan production offices in New Jersey, New York City, the Philadelphia area, Baltimore, and Boston. The company was founded in 1902 and is based in Red Bank, New Jersey.
- CEO
- Christopher D. Maher
- Employees
- 975
- Beta
- 1.03
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($22.79 ÷ $19.02) − 1 = +19.82% (DCF, example).