Stock Ratings / Financials / OCFC / financials

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OceanFirst Financial Corp. (OCFC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$17.81 +0.74% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

OceanFirst Financial Corp. (OCFC) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $1.75B

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OCFC)Realized 20D OHLCV Swing Band: ±5%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How OCFC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$79.5M (2% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$67.1M	$79.5M	4%
FY 2024	$4.00B	52%	0%	$96.0M	$84.7M	4%
FY 2023	$4.00B	52%	0%	$100.0M	$124.3M	4%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OCFC)

✓Walkthrough of OCFC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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OCFC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.61%📐 HORIZONTAL RANGE

2026-10-30O $17.90H $17.99L $17.78C $17.81VOL 1.57M

RES: $21.81SUP: $15.44SMA50: $17.49SMA200: $18.47

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OCFC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OCFC Butterfly Map → + Track OCFC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

19.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OCFC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OCFC. Explore sector supply chains on /butterfly.

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🎬 No recent verified company-specific video clip queued for OCFC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OCFC)

Financials Rank #318 of 1096 ⚔️ BY vs OCFC Full Matrix →

1. Head-to-Head Financials Peer Comparison (OCFC vs. BY, CNOB, HOPE, FSUN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, OceanFirst Financial Corp. (OCFC) ranks #318 by composite RQD confidence (65/100, grade C) and #453 by equity capitalization ($1.75B). Within this direct 5-issuer industry benchmark cohort, BY leads on earnings valuation at 13.5x trailing P/E, while BY leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. OCFC currently leads its immediate peer cohort in composite quantitative strength at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OCFC ACTIVE OceanFirst Financial Corp.	C	65/100	26.1x	—	4.0%	+0.74%	$1.75B	Benchmark Subject
BY Byline Bancorp Inc.	C-	61/100	13.5x	—	10.3%	+0.75%	$1.76B	/by-vs-ocfc →
CNOB ConnectOne Bancorp Inc.	C-	61/100	22.0x	—	5.1%	+0.12%	$1.77B	/cnob-vs-ocfc →
HOPE Hope Bancorp Inc.	D+	56/100	28.0x	—	2.7%	-2.16%	$1.73B	/hope-vs-ocfc →
FSUN FirstSun Capital Bancorp	C-	60/100	18.3x	—	8.5%	+0.69%	$1.79B	/fsun-vs-ocfc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001004702

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OceanFirst Financial Corp. (OCFC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $67.1M, operating cash flow of $87.2M, and free cash flow of $79.5M (-6.1% YoY). On the balance sheet, OCFC closed FY2025 with $14.56B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$67.1M	$87.2M	$79.5M	$14.56B	—
FY2024 (FY)	2024-12-31	$0	$96.0M	$92.2M	$84.7M	$13.42B	—
FY2023 (FY)	2023-12-31	$0	$100.0M	$124.3M	$124.3M	—	—

3. OCFC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OCFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, OceanFirst Financial Corp. (NASDAQ: OCFC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $17.81 (+0.74% 1D, market cap $1.75B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, OCFC ranks #318 in composite RQD confidence.

How does OCFC compare to BY and CNOB in the Financials sector?

Within the Financials sector (Major Banks), OCFC carries a Roarable C (65/100 RQD), trailing P/E of 26.1x, gross margin of —, and ROIC of 4.0%. By comparison, BY (Byline Bancorp Inc.) holds a C- grade (61/100 RQD, P/E 13.5x, ROIC 10.3%, cap $1.76B) and CNOB (ConnectOne Bancorp Inc.) posts a C- grade (61/100 RQD, P/E 22.0x, ROIC 5.1%, cap $1.77B). Among the 5-stock peer group, BY leads on earnings multiple (13.5x) while BY leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OCFC?

Per OCFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001004702), OceanFirst Financial Corp. generated $0 in revenue, $67.1M in net income, and $79.5M in free cash flow against $14.56B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OCFC trading relative to its 50-day, 200-day, and 52-week technical levels?

OCFC last traded at $17.81 (+0.74% on volume of 1,337,650 shares), positioning the stock +1.83% above its 50-day simple moving average ($17.49) and -3.57% below its 200-day simple moving average ($18.47). Across its 52-week range of $15.60 to $20.61, OCFC sits at the 44.1% percentile with a 14-day RSI of 66.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.0% ($16.92 to $18.70).