Health score, price, valuation, risk signals, and key metrics at a glance.
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard services, trust and asset management products and services, deposit account services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The company was founded in 1902 and is headquartered in Toms River, New Jersey.
Grade capped at D — Interest coverage below 1× (0.2x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Profitability (6/25).
Today's multiple positioned against its own trailing range — a visual premium/discount check.
Currently above its 20-quarter median.
Currently near its 20-quarter median.
Data-driven signals worth keeping an eye on across the last 8 quarters
Operating margins dropped 45.0% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.
FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.
as of June 2026
Revenue, EBITDA, operating income, net income, EPS, and shares
Gross, EBITDA, operating, and net margin trends
P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield
Total assets, cash, debt, book value, and leverage
Operating cash flow, free cash flow, FCF margin, and earnings quality
Currently near its 20-quarter median.
Debt-to-equity has risen 33.4% recently — increasing financial risk even if the current ratio is manageable.
FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.
Shares outstanding increased 21.0% — significant dilution, likely from stock compensation or capital raises.
