Embrace Home Loans announced a strategic partnership with OceanFirst Bank N.A. to provide residential mortgage financing to OceanFirst customers across the Northeast and Mid-Atlantic regions. Embrace has expanded its presence in New Jersey by hiring former OceanFirst mortgage professionals and opening additional locations to support the partnership.
OceanFirst Financial Corp (OCFC)
Common Stock · Currency in USD · XNAS
OceanFirst Financial Corp is engaged in the banking sector of the United States. It conducts the business of attracting retail and business deposits and investing them in loans, consisting of single-family, owner-occupied residential mortgage loans and commercial real estate loans. The company's sole segment deals with the delivery of loan and deposit products to customers. The bank's revenues are derived principally from interest on its loans, and to a lesser extent, interest on its investment and mortgage-backed securities. The rest of its income is dependent on bank card services and wealth management products and services.
Company Info
SIC6021
Composite FIGIBBG000GYLFT9
CIK0001004702
IPOJul 3, 1996
Sectornational commercial banks
Highlights
Market Cap$1.05B
EPS$1.20
P/E Ratio15.06
Revenue$634.04M
Gross Profit$648.78M
Net Income$69.54M
Employees954
WSO57,402,016
Phone(732) 240-4500
Websitehttps://www.oceanfirst.com
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Analysis
Share Price Chart
Performance Chart
The chart shows the growth of an initial investment of $10,000 in OceanFirst Financial Corp, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Returns By Period
OceanFirst Financial Corp (OCFC) has returned 1.73% so far this year and 24.34% over the past 12 months. Looking at the last ten years, OCFC has achieved an annualized return of 0.27%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
OCFC
1M-0.05%
6M1.39%
YTD1.73%
1Y24.34%
5Y-5.20%
10Y0.27%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of OceanFirst Financial Corp (OCFC) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.57% | -2.43% | 1.35% | 1.22% | ||||||||
| 2025 | -1.70% | 4.28% | -5.18% | -2.13% | 1.63% | 4.76% | -4.44% | 10.72% | -3.46% | 4.48% | 5.25% | -3.86% |
| 2024 | 1.35% | -12.59% | 8.89% | -10.00% | 0.94% | 4.27% | 15.15% | -1.65% | 4.97% | -1.46% | 12.33% | -12.43% |
| 2023 | 11.83% | -0.79% | -21.73% | -13.42% | -11.42% | 9.15% | 19.58% | -9.20% | -15.08% | -12.27% | 10.09% | 25.43% |
| 2022 | 1.57% | -1.24% | -9.70% | -7.96% | 6.95% | -5.39% | 7.87% | -5.54% | -4.12% | 18.97% | 4.29% | -9.42% |
| 2021 | -3.61% | 14.49% | 8.18% | -3.99% | -4.04% | -6.13% | -6.92% | 9.87% | -0.35% | 3.02% | -7.83% | 4.91% |
| 2020 | -8.86% | -12.57% | -21.97% | 10.20% | -0.48% | 4.26% | -13.40% | 1.10% | -11.73% | 9.51% | 3.48% | 16.36% |
| 2019 | 7.81% | 4.78% | -5.01% | 3.92% | -5.63% | 4.06% | -2.05% | -13.85% | 12.54% | 1.01% | 0.50% | 6.37% |
| 2018 | 0.49% | -1.82% | 3.12% | 1.31% | 9.00% | 1.77% | -1.95% | 0.10% | -6.72% | -7.29% | 1.70% | -13.75% |
| 2017 | -5.36% | 2.53% | -4.49% | -2.16% | -4.98% | 2.07% | -1.31% | -8.24% | 10.11% | 0.95% | -0.18% | -5.44% |
| 2016 | 10.31% | -3.69% | -2.00% | 4.60% | 4.81% | -3.12% | 7.93% | 14.70% | 26.50% |
Performance Indicators
The charts below present risk-adjusted performance metrics for OceanFirst Financial Corp (OCFC) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of OCFC compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current OceanFirst Financial Corp volatility is 1.21%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 14.56B | 13.42B | 13.54B | 13.10B | 11.74B | 11.45B | 8.25B | 7.52B | 5.42B | 5.17B | 2.59B | 2.36B | 2.25B | 2.27B | 2.30B |
| Equity Attributable To Parent (USD) | 1.66B | 1.70B | 1.66B | 1.58B | 1.52B | 1.48B | 1.15B | 1.04B | 601.94M | 572.04M | 238.45M | 218.26M | 214.35M | 219.79M | 216.85M |
| Equity Attributable To Noncontrolling Interest (USD) | - | 1.11M | 782.00K | 802.00K | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 1.66B | 1.70B | 1.66B | 1.59B | 1.52B | 1.48B | 1.15B | 1.04B | 601.94M | 572.04M | 238.45M | 218.26M | 214.35M | 219.79M | 216.85M |
| Long-term Debt (USD) | 255.23M | 197.55M | 196.46M | 195.40M | 229.14M | 235.47M | - | - | - | - | - | - | - | - | - |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 12.90B | 11.72B | 11.88B | 11.52B | 10.22B | 9.96B | 7.09B | 6.48B | 4.81B | 4.60B | 2.35B | 2.14B | 2.04B | 2.05B | 2.09B |
| Liabilities (USD) | 12.90B | 11.72B | 11.88B | 11.52B | 10.22B | 9.96B | 7.09B | 6.48B | 4.81B | 4.60B | 2.35B | 2.14B | 2.04B | 2.05B | 2.09B |
| Intangible Assets (USD) | 9.05M | 12.68M | 9.51M | 13.50M | 18.22M | 23.67M | 15.61M | 16.97M | 8.89M | 10.92M | 256.00K | - | - | - | - |
| Fixed Assets (USD) | - | - | - | - | - | - | - | 111.21M | 101.78M | 71.39M | 28.42M | 24.74M | 23.68M | 22.23M | 22.26M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 14.56B | 13.42B | 13.54B | 13.10B | 11.74B | 11.45B | 8.25B | 7.52B | 5.42B | 5.17B | 2.59B | 2.36B | 2.25B | 2.27B | 2.30B |
| Assets (USD) | 14.56B | 13.42B | 13.54B | 13.10B | 11.74B | 11.45B | 8.25B | 7.52B | 5.42B | 5.17B | 2.59B | 2.36B | 2.25B | 2.27B | 2.30B |
News and Insights
Halper Sadeh LLC, an investor rights law firm, is investigating FONAR Corporation, OceanFirst Financial Corp., and Flushing Financial Corp. for potential violations of federal securities laws and breaches of fiduciary duties. The investigations concern FONAR's sale to CEO affiliates, OceanFirst's merger with Flushing Financial, and Flushing's acquisition terms. The firm is seeking increased consideration for shareholders and additional disclosures on a contingent fee basis.
Halper Sadeh LLC, an investor rights law firm, is investigating four companies for potential violations of federal securities laws and breaches of fiduciary duties related to their merger and acquisition transactions. The firm is seeking increased consideration for shareholders and additional disclosures regarding these deals.
OceanFirst Financial Corp. announced it will release its Q4 2025 earnings on January 22, 2026, followed by a management conference call on January 23, 2026. The company, a $14.3 billion regional bank headquartered in New Jersey, will discuss quarterly operating performance with investors.
Halper Sadeh LLC, an investor rights law firm, is investigating four companies for potential securities law violations and breaches of fiduciary duties related to their proposed mergers and acquisitions. The firm is seeking increased consideration for shareholders and additional disclosures regarding the transactions.
Monteverde & Associates PC, a class action securities firm, has announced an investigation into OceanFirst Financial Corp.'s proposed merger with Flushing Financial Corp. The investigation questions whether the deal is fair to OceanFirst shareholders, who are expected to own approximately 58% of the combined company post-merger.
On December 30, 2025, major U.S. stock indexes closed near record highs with modest declines in quiet year-end trading. The S&P 500 fell 0.13%, Nasdaq dropped 0.24%, and the Dow eased 0.20%. Boeing led industrials with a 0.6% gain following an $8.5 billion U.S. Air Force contract announcement, while Molina Healthcare jumped 2.5% on positive investor commentary. OceanFirst Financial plunged 6.7% after announcing a merger agreement.
OceanFirst Financial Corp. and Flushing Financial Corporation announced a definitive merger agreement valued at $579 million, creating a $23 billion regional bank with operations across New Jersey, Long Island, and New York. Warburg Pincus committed $225 million in equity investment. The transaction is expected to close in Q2 2026 and deliver 16% EPS accretion and 13% ROATCE by 2027.
OceanFirst Financial Corp. will release its Q3 2025 earnings on October 22, 2025, after market close, with a conference call on October 23, 2025 to discuss quarterly performance.
OceanFirst Financial Corp. announced its quarterly and annual financial results for the period ended March 31, 2025. The company reported net income and discussed factors that could impact its operations.