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Earnings transcript
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OCFC
OceanFirst Financial Corp.
$18.39
0.28
(1.55%)
| Exchange: | NASDAQ |
| Market Cap: | 1.059B |
| Shares Outstanding: | 27.163M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Christopher D. Maher | |||||
| Full Time Employees: | 975 | |||||
| Address: |
| |||||
| Website: | https://www.oceanfirst.com |
OceanFirst Financial Corp., functioning as the parent organization for OceanFirst Bank N.A., delivers a comprehensive suite of community banking services. The institution gathers capital through a variety of deposit instruments, such as money market accounts, savings accounts, interest-bearing checking options, non-interest-bearing demand accounts, and certificates of deposit, serving individual consumers, governmental bodies, and commercial enterprises alike. Its lending portfolio is extensive, covering commercial real estate, multi-family properties, land acquisition, construction projects, and general commercial and industrial financing for businesses. For residential clients, it offers both fixed-rate and adjustable-rate mortgage loans, typically secured by one-to-four family homes. Consumer lending solutions include home equity loans and lines of credit, student loans, overdraft protection lines, loans backed by savings accounts, and other personal credit products. Beyond direct lending, the company strategically invests in mortgage-backed securities, debt instruments issued by the U.S. Government and its agencies, corporate bonds, and various other financial assets. Complementing its core banking functions, OceanFirst provides bankcard services, wealth management, and comprehensive trust and asset management. It also facilitates access to alternative investment products and life insurance offerings. As of the close of 2021, the company maintained a significant operational footprint, including its primary branch in Toms River, administrative centers in Red Bank and Mount Laurel, 46 additional branch locations, and four dedicated deposit production facilities spread across central and southern New Jersey. Furthermore, its commercial loan origination offices extended into New Jersey, New York City, the greater Philadelphia area, Baltimore, and Boston. Tracing its origins to 1902, the institution is headquartered in Red Bank, New Jersey.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 636,958 | 687,948 | 655,597 |
| Gross Profit | 381,037 | 372,121 | 357,195 |
| EBITDA | 153,166 | 145,200 | 93,274 |
| Operating Income | 136,765 | 130,656 | 92,516 |
| Net Income | 104,029 | 100,065 | 70,978 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 13,538,253 | 13,421,247 | 14,564,317 |
| Total Liabilities | 11,876,308 | 11,718,490 | 12,901,767 |
| Total Stockholders Equity | 1,661,163 | 1,701,650 | 1,662,550 |
| Total Debt | 1,047,966 | 1,259,599 | 1,706,846 |
| Cash and Cash Equivalents | 153,718 | 123,615 | 135,130 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 124,261 | 92,243 | 75,974 |
| Capital Expenditure | -7,708 | -7,567 | 0 |
| Free Cash Flow | 116,553 | 84,676 | 75,974 |
| Net Income | 104,029 | 100,390 | 71,027 |
| Net Change in Cash | -14,268 | -30,103 | 61 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 364,865.193 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 375,834.447 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 371,169.930 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 104,455.727 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 107,596.069 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 106,260.684 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 154,431.332 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 160,498.858 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 157,465.095 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 66,654.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 68,658.752 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 67,806.622 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.790 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.690 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance in Q2 2025: OceanFirst Financial Corp reported robust earnings for Q2 2025, as highlighted in the earnings call transcript, with key financial results indicating growth in revenue and net income, surpassing internal expectations. This performance underscores effective operational management and a strong market position within the banking sector.
- Strong Asset Quality and Balance Sheet Management: The earnings call summary emphasizes the company's focus on maintaining high asset quality and optimizing its balance sheet. This strategic approach positions OCFC to improve net interest income and margins, reflecting financial stability and resilience.
- Consistent Dividend Yield: Based on the key metrics data, OCFC offers a competitive dividend yield (dividendYieldTTM), providing attractive returns to shareholders and signaling confidence in sustained profitability, which is particularly appealing to income-focused investors.
- Operational Efficiency: The company's gross profit margin (grossProfitMarginTTM) and net profit margin (netProfitMarginTTM) from key metrics indicate efficient cost management and profitability, supporting long-term sustainability in a competitive industry.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates OCFC intrinsic value between $16.31 – $21.37 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about OCFC valuation
Is OceanFirst Financial Corp. (OCFC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for OceanFirst Financial Corp. (OCFC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is OCFC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether OCFC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is OCFC’s P/E ratio?
You can see OCFC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for OCFC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is OCFC a good long-term investment?
Whether OCFC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
OCFC
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Daily snapshot
1.55
Trading Metrics:
| Open: | 18.22 | Previous Close: | 18.11 | |
| Day Low: | 18.22 | Day High: | 18.45 | |
| Year Low: | 16.09 | Year High: | 20.61 | |
| Price Avg 50: | 18.61 | Price Avg 200: | 18.51 | |
| Volume: | 117886 | Average Volume: | 750082 |
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Login — it's freeOCFC full analysis
Welcome to MARKETSNAP’s SWOT analysis for OceanFirst Financial Corp, also known by its ticker OCFC. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, where it shines, and where it might stumble. So, grab a coffee, let’s break it down together, and figure out if this stock deserves a spot in your portfolio. First, let’s get…
