profit from every $100 of sales.
$0$100
OceanFirst Financial
$18.09-0.82% today
-1.4% in 1 year
1-year low $15.621-year high $20.40
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $24.65 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What OceanFirst Financial sold, what it kept, and what it did with the cash.
Sales went from $432 million in 2022 to $400 million in 2025, with $71.0 million of profit last year.
SalesProfit
OceanFirst Financial handed back more cash to shareholders than it generated last year.
Buybacks $82M$48M
Free cash flow 2025$80M
Bought back its own shares$82M
Paid as dividends$48M
Cash vs. debt$135M vs. $1.6B
OceanFirst Financial vs. similar companies
OceanFirst Financial grows the slowest of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| OceanFirst Financial | 24.7× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads OceanFirst Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 432 | 399 | 380 | 400 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 147 | 104 | 100 | 71 | |
| 2.42 | 1.70 | 1.65 | 1.17 | |
| – | – | – | – | |
| – | – | – | – | |
| 34.0% | 26.1% | 26.3% | 17.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 13,104 | 13,538 | 13,421 | 14,564 |
| Cash | 168 | 154 | 124 | 135 |
| Total debt | 1,407 | 975 | 1,199 | 1,580 |
| Total liabilities | 11,518 | 11,876 | 11,718 | 12,902 |
| 1,585 | 1,661 | 1,702 | 1,663 | |
| 59 | 59 | 58 | 57 | |
| – | – | – | – | |
| 9.3% | 6.3% | 5.9% | 4.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 250 | 124 | 92 | 87 | |
| 21 | 8 | 8 | 8 | |
| 230 | 117 | 85 | 80 | |
| Dividends paid | 48 | 51 | 51 | 48 |
| 7 | 0 | 21 | 82 | |
| 9 | 8 | 7 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 24.7×
- 9.5×
- –
- 0.6×
- 4.4×
- 4.1%
- 4.3%
Profitability
- 17.7%
- 0.5%
- 4.0%
- 4.2%
- 0.5%
Growth
- −2.5%
- −21.5%
- +3.3%
- −0.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 18%of 827
Bottom 30%of 709
Bottom 19%of 876
Bottom 16%of 879
Bottom 41%of 926
What analysts expect
- Average price target
- $19.67
- Range
- $17.00 – $23.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.43 | 0.39 | +10.3% |
| Jan 22, 2026 | 0.41 | 0.39 | +5.1% |
| Oct 22, 2025 | 0.36 | 0.34 | +5.9% |
| Jul 24, 2025 | 0.31 | 0.33 | −6.1% |
| Apr 24, 2025 | 0.35 | 0.35 | +0.0% |
| Jan 24, 2025 | 0.38 | 0.37 | +3.2% |
| Oct 17, 2024 | 0.39 | 0.38 | +2.6% |
| Jul 18, 2024 | 0.39 | 0.43 | −9.3% |
4.3%of the share price, paid each year
On $1,000 invested$43a year at today's yield, before tax
+3.3%2020 to 2025
Raised–not every year
Paid per share, each year
$0.52 in 2015 → $0.80 in 2025
How safe it looks
68.0% of its profit
Room to growStretchedMore than it earns: 60.7%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
40No pass
Benjamin Graham
76Pass
Philip Fisher
43No pass
Peter Lynch
25No pass
Joel Greenblatt
9No pass
Charlie Munger
41No pass
Terry Smith
42No pass
Questions about OceanFirst Financial
Is OceanFirst Financial a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the OceanFirst Financial AI analysis
What does OceanFirst Financial do?
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. It is in Banks - Regional.
Does OceanFirst Financial pay a dividend?
Yes. At today's price the dividend is 4.3% a year, about 68% of its yearly profit. In 2025 it paid out $48.2 million in dividends.
Is OceanFirst Financial stock halal?
No. OceanFirst Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has OceanFirst Financial stock done over the past year?
Down 1.4% over the past twelve months, to $18.09. It traded between $15.62 and $20.40 and is 11.3% below its high.
Who are OceanFirst Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with OceanFirst Financial's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.