OceanFirst Financial Corp.
OCFCFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
Scan Results
Daily timeframeOceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. With a market capitalization of $1.04B, it sits in small-cap territory. that provides community banking services to retail and commercial customers in the United States.
Market Cap
$1.04B
Beta
0.98
P/E (TTM)
15.30
P/E (Fwd)
7.59
EPS (TTM)
$1.18
EPS (Fwd)
$2.38
ROE
4.2%
ROA
0.5%
Cash
$195.9M
Total Debt
$1.57B
Free CF
—
52W Change
7.2%
Annual Financials
Cash vs Debt
The company holds $195.9M in cash, though total debt stands at $1.57B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 4.2% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.5% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $431.6M (2022) to $400.3M (2025).
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. No single metric tells the full story. Reviewing OCFC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.