OceanFirst Financial Corp. Common Stock (OCFC)

FairStock Score: 35/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a small regional bank as a lender first and a stock analyst second. OceanFirst operates as a community bank holding company with about 898 employees, serving retail and commercial customers. Its local deposit relationships are useful, but it lacks the funding-cost advantages of a mega-bank, so I see at most a narrow moat. The reported figures are uneven. In the quarter ended 2026-06-30, net income was -$3.0 million and diluted EPS was -$0.04. That followed net income of $20.5 million and EPS of $0.36 in the quarter ended 2026-03-31. For full-year 2025, net income was $71.0 million and diluted EPS was $1.17, down from $100.1 million and $1.65 in 2024 and $104.0 million and $1.70 in 2023. FairStock computes profit growth of -40.24%, a Piotroski F-Score of 3/9, ROE of 2.37%, P/E of 20.05, and P/B of 0.65 at the 2026-10-13 close of $16.04. The dividend yield is 4.99%. A below-book price can be a bargain if book value is sound and earning power returns, but a 2.37% ROE and a quarterly loss suggest either credit stress or margin pressure. The data omit CET1, net interest margin, combined ratio, charge-offs, nonperforming loans, and reserve coverage, so I cannot underwrite asset quality. The Lynch category is SLOW GROWER, with profit up only 2.3% a year over five years. Without those bank-specific measures, this looks like a speculative recovery, not a clear Graham-style bargain.

In plain English: OceanFirst Financial is the holding company for OceanFirst Bank, a community bank serving retail and commercial customers. The business looks weak right now: it lost money in the quarter ended June 30, 2026, and full-year 2025 profit fell from 2024 and 2023 levels. The stock price is low compared with the company's accounting value, but profits are small relative to the price, so it looks cheap only if earnings recover.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer