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OceanFirst Financial

OCFC
50
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
50
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Mixed
Growth
Weak
Capital Strength
Strong
Asset Quality
Exceptional
Valuation
Strong
Dividends
Good
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Winston Score History

The full picture

OceanFirst Financial Corp. is a regional bank holding company based in New Jersey. It operates through OceanFirst Bank, which offers everyday banking services like checking and savings accounts, mortgages, business loans, and wealth management. Its main customers are individuals, families, and small-to-mid-sized businesses primarily across New Jersey, New York, and nearby Mid-Atlantic states.

The bank makes money the traditional way — it collects deposits from customers and lends that money out at higher interest rates, earning the difference (called net interest income). It also earns fees from services like wealth management and commercial banking. With roughly $14 billion in assets, OceanFirst is a mid-sized regional bank competing against both large national banks and smaller community lenders. Its local market knowledge and branch network give it some competitive footing, but rising interest rates and credit quality risks remain key concerns, and any slowdown in the regional economy could pressure loan performance and profitability.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+27.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-132.1% YoY

YoY Growth Rate

Earnings declining

Insider Activity

12.6%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$2.3B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

OceanFirst Financial grew revenue 28% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
6.0%
no trend
Weak — 6.0% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.03%
no trend
Healthy — 3.03% net interest margin
Cost of running the bank
Efficiency Ratio
67.1%
no trend
Bloated cost base — 67.1% efficiency ratio

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Growth

Sales growth
Sales YoY
+5.1%
Slow sales growth (+5.1% YoY)
Profit growth
EPS YoY
-43.3%
Earnings shrinking (-43.3% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
2/8 quarters
Earnings rarely grow — volatile business

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Capital Strength

Safety cushion
Capital Ratio
11.7%
no trend
Well capitalised — 11.7% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.31%
no trend
Clean loan book — 0.31% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.03%
no trend
Minimal losses — 0.03% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
22.5x
no trend
Growth-priced — P/E 22.5

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year
P/E vs Forward
+12.1
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (22.5 → 10.4)

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Dividends

Dividend
Dividend Yield
4.12%
no trend
Healthy income — 4.12% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record
Dividend Growth
+0.0%
no trend
Dividend flat

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