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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
OceanFirst Financial Corp. (OCFC) advanced +0.74% to $17.81, trading at 44% of its 52-week range ($15.6 – $20.61). Solid steady margins (4% return on capital), mixed timing at 26x P/E—hold if owned, no rush to chase.
OceanFirst Financial has delivered a 44.2% share price gain over the past three years, helped by fresh earnings momentum and the integration of Flushing Financial. That rise puts the spotlight on a simple question for in
OceanFirst Financial reported third quarter 2026 results with net interest income of US$172.12 million and net income of US$16.46 million, while net loan charge offs for the period were US$1.456 million compared with US$
2026-10-29. The following slide deck was published by OceanFirst Financial Corp.
(AP) — OceanFirst Financial Corp. (OCFC) on Tuesday reported third-quarter earnings of $16.
Core EPS surged 131% year-over-year as merger integration accelerates.
OceanFirst Financial (NASDAQ:OCFC) reported third-quarter results reflecting its first full quarter as a combined company following the acquisition of Flushing Financial Corp., with management citing loan and deposit gro
OceanFirst Financial Corp. (OCFC) Q3 2026 Earnings Call October 28, 2026 8:00 AM EDTCompany ParticipantsAlfred Goon - Senior VP of Corporate Development,...
Moby summary of OceanFirst Financial Corp.'s Q3 2026 earnings call
OceanFirst Financial (NASDAQ:OCFC) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
OceanFirst Q3 2026 core EPS and revenue beat consensus as Flushing integration advances; shares rise after hours on stronger margin and loan growth.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on OCFC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for OCFC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why OCFC Stock advanced +0.74% Today — RQD Quant Desk Flash. Solid steady margins (4% return on capital), mixed timing at 26x P/E—hold if owned, no rush to chase.