Roughly $1.8 billion in fixed and adjustable-rate loans is expected to mature or be repriced through 2027.
OCFC OceanFirst Financial Corp
XNAS
18.43
Delayed
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
OCFC
$18.43
—
What changed
Recent filings, trades and movesKey stats
$18.43
- 52-Week Range
- $15.60 – $20.61
- YTD
- +3.31%
- IV Rank (30D)
- 64.89
- Straddle Price
- $3.73
- P/C Vol Ratio
- 2.40
- Market Cap
- $1.8B
- Open
- $18.17
- Day Range
- $18.05 – $18.48
- Volume
- 784,034
- Prev Close
- $18.13
Fair Value
MODEL: NEUTRAL
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.90% |
| Beta vs SPY | 0.87 |
| Cost of Equity (CAPM) | 9.24% (VRP-adj) |
| WACC | 9.34% |
| Volatility Risk Premium | +84.0pp (IV − HV30) |
| Effective Tax Rate | 23.3% |
| Rev. Growth (YoY, DCF input) | +5.1% |
| DCF Horizon | 12 years explicit + fade |
| Forward Tilt (NTM/TTM) | ×1.05 (applied to P/E, EV/EBITDA, P/S) |
| Free Cash Flow (TTM) | $0.1B |
| Return on Equity (TTM) | 2.0% |
| Book / Price | 93.5% — banking bias active (P/B is primary) |
| Bank Quality Adj | ×0.50 (target ROE vs peer median) |
| Gross Margin (TTM) | 58.8% |
| FCF Margin (TTM) | 16.2% |
| Debt / Equity | 0.00 |
| Quality Score | 4/6 — high quality (12y DCF) |
| Market-Implied Growth | +2.1% (reverse-DCF on current price) |
| SMA 50 | $17.45 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $17.00 |
| Bollinger Width / SMA20 | 25.5% (drives anchor stability) |
| Net Debt | $-0.1B |
| Market Cap | $2B |
Peers used for multiples: CATY, CBSH, FFBC, HWC, INDB, UBSI, WTFC
(filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
8%
20-Day Fair Value
≈ by Dec 8, 2026
$18.10
α -1.4%
rank 17%
conviction
79%
40-Day Fair Value
≈ by Jan 6, 2027
$18.59
α +1.3%
rank 22%
conviction
46%
60-Day Fair Value
≈ by Feb 4, 2027
$18.41
α +0.3%
rank 19%
conviction
8%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $21.62 | 32% | |
| DDM (Gordon) | $19.82 | 25% | |
| Peer P/E | $4.58 | 10% | median 12.8× · 7 peers |
| Peer EV/EBITDA | n/a | 0% | median 10.6× · 7 peers |
| Peer P/B | $21.86 | 14% | median 1.3× · 7 peers |
| Peer P/S | $11.01 | 5% | median 3.0× · 7 peers |
| Market Anchor (SMA50) | $17.45 | 14% | stability 22% (BB-width) |
| Options Expected (B-L 30d) | $18.92 | 0% | 5 strikes · skew +0.68 |
As of 2026-11-09 · updated
Related
About
- Industry (SIC)
- NATIONAL COMMERCIAL BANKS (6021) · industry map
- Exchange
- XNAS
- Market Cap
- $1.8B
- Employees
- 954
- List Date
- 1996-07-03
- CIK
- 0001004702
- Last Earnings
- Oct 27 after close · +6.1% vs ±25.3% expected
- Next Earnings
- ~Jan 21, 2027 (estimated)
- Headquarters
- Toms River, NJ
- Homepage
- https://www.oceanfirst.com
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…
Summary
—
composite
—
No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | -1.89% | 0.71% | 11.05% | -1.82% | 0.79% | 5.10% | 2.32% |
| Feb | 17.46% | -1.71% | -2.06% | -9.09% | 3.92% | -5.00% | 0.59% |
| Mar | 5.93% | -7.16% | -21.76% | 10.36% | -4.22% | -2.91% | -3.29% |
| Apr | -3.91% | -5.83% | -13.23% | -6.64% | -2.59% | 5.71% | -4.42% |
| May | -3.87% | 6.89% | -7.01% | -0.33% | 0.84% | -1.21% | -0.78% |
| Jun | -7.01% | -4.30% | 8.02% | 9.74% | 5.45% | 7.01% | 3.15% |
| Jul | -6.97% | 5.33% | 16.80% | 17.38% | -7.90% | -1.88% | 3.79% |
| Aug | 11.19% | -7.65% | -7.97% | 3.41% | 12.41% | -4.17% | 1.20% |
| Sep | 1.42% | -3.62% | -16.45% | 5.62% | -3.36% | -10.79% | -4.53% |
| Oct | 1.09% | 18.41% | -11.34% | 1.79% | 4.72% | 7.62% | 3.71% |
| Nov | -10.35% | 3.18% | 8.79% | 13.63% | 4.43% | -1.74%* | 2.99% |
| Dec | 7.45% | -8.95% | 16.98% | -12.18% | -5.53% | -- | -0.45% |
| Total | 7.12% | -7.68% | -24.84% | 30.99% | 7.41% | -3.91% | 1.52% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $17.11
SMA 50: $17.44
SMA 200: $18.47
Current: $18.44
EMA 12: $17.90
EMA 26: $17.49
MACD: 0.4100 | Signal: 0.2180
BULLISH
ADX (14): 35.54
TREND
+DI: 32.39
−DI: 16.40
Momentum Oscillators
RSI (14): 61.32
NEUTRAL
Stoch %K: 68.82
Stoch %D: 77.00
Williams %R: -29.34
Volume & Volatility
BB Upper: $19.33
BB Lower: $14.89
NEUTRAL
OBV: -20,440,704
Vol SMA 20: 1,240,438
Vol ROC: -9.33%
ATR: $0.52
True Range: $0.43
HV 20: 37.5%
HV 30: 32.5%
HV 60: 27.4%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-11-08T00:00:00 – 2026-11-06T00:00:00
AI Analysis
Written before OCFC’s Oct 27 earnings report, so it doesn’t reflect the results.
LLM Stock Analysis Report
System Prompt: You are a professional financial analyst providing comprehensive stock analysis reports.
Analysis Framework:
Executive Summary
Overall Assessment: NEUTRAL (6/10)
Key Drivers: Upcoming merger, recent news headlines about strategic partnerships and dividend declarations.
Primary Risks: High volatility, market amplification of price movements, potential for further price swings around the merger date.
Investment Thesis: OceanFirst Financial Corp. (OCFC) is a mid-cap bank with a pending merger announcement, driving short-term volatility. The stock's beta indicates a moderate correlation with the broader market, while options metrics suggest a medium-level volatility regime. Recent news headlines highlight the company's strategic partnerships and dividend declarations, contributing to the neutral overall assessment.
Recent News Sentiment Impact: Positive sentiment from recent news headlines, particularly related to the merger announcement, has driven short-term price movements.
Technical Analysis
Trend Direction:
- Short-term (1-4 weeks): NEUTRAL
- Medium-term (1-3 months): BEARISH
- Long-term (3-12 months): BULLISH
Support/Resistance Levels: SMA 20 at $18.68 and the lower Bollinger Band at $18.08 are key support levels.
Momentum Signals:
- RSI interpretation: NEUTRAL (52.07), indicating no clear buy or sell signal.
- MACD signal: BEARISH crossover, suggesting a potential decline in momentum.
- Bollinger Bands position: SQUEEZE, indicating price is trading within the range of the bands.
Volume Analysis: On-Balance Volume (OBV) shows a negative trend, while volume rate of change indicates a decrease in recent trading activity.
News & Sentiment Analysis
Recent Headlines Summary: Recent news headlines highlight the company's strategic partnerships and dividend declarations, as well as the pending merger announcement.
Sentiment Assessment: POSITIVE sentiment from recent news headlines contributes to the overall neutral assessment.
Catalyst Identification: The upcoming merger announcement is a key catalyst driving short-term volatility.
Market Narrative: The news narrative aligns with the technical signals, suggesting a continued range-bound market with potential for further price swings around the merger date.
Risk & Volatility Assessment
Beta Interpretation: Beta at 1.01 indicates a moderate correlation with the broader market, suggesting above-average volatility.
Volatility Regime: The current IV rank is medium (46.3%), indicating historically high volatility.
Options Market Signals: Options metrics suggest a medium-level volatility regime, with a put/call ratio of 49.88 and an open interest ratio favoring calls over puts.
Downside Protection: Support levels at SMA 20 ($18.68) and the lower Bollinger Band ($18.08) are key risk management considerations.
Market Context & Positioning
Sector Performance: OCFC is trading within its sector's range, with a relative strength of 0.85.
Institutional Activity: No clear institutional buying or selling signals observed in recent volume patterns.
Correlation Analysis: The stock's correlation with the broader market is moderate (beta = 1.01), suggesting potential for further price swings around the merger date.
Relative Valuation: The stock is trading within its historical range, with a relative valuation of 0.9.
Key Levels & Action Items
Critical Price Levels: Support levels at SMA 20 ($18.68) and the lower Bollinger Band ($18.08) are key levels to monitor for potential buying or selling opportunities.
Breakout/Breakdown Levels: The upper Bollinger Band ($19.28) is a potential breakout level, while the lower band could trigger a breakdown.
Time-Sensitive Catalysts: The upcoming merger announcement (pending regulatory approval) is a key catalyst driving short-term volatility.
Risk Management: Consider setting stop-loss levels at SMA 20 or the lower Bollinger Band to manage risk in case of further price swings around the merger date.
Generated
News
All OCFC news →
Core EPS surged 131% year-over-year as merger integration accelerates.
Earnings History
15 of 15 under expected move
Avg Expected Move
12.08%
Avg Actual Move
1.63%
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2023-04-20 | Pre-Market | 5.64% | 0.90% | 0.16x | Within |
| 2023-07-20 | Pre-Market | 6.05% | 0.56% | 0.09x | Within |
| 2023-10-19 | Pre-Market | 12.92% | 0.79% | 0.06x | Within |
| 2024-01-18 | Pre-Market | 6.96% | 0.24% | 0.03x | Within |
| 2024-04-18 | Pre-Market | 5.87% | 0.83% | 0.14x | Within |
| 2024-07-18 | Pre-Market | 9.23% | 2.19% | 0.24x | Within |
| 2024-10-17 | Pre-Market | 12.13% | 1.57% | 0.13x | Within |
| 2025-01-23 | Pre-Market | 11.45% | 0.79% | 0.07x | Within |
| 2025-04-24 | After-Close | 9.55% | 0.30% | 0.03x | Within |
| 2025-07-24 | Pre-Market | 9.18% | 1.92% | 0.21x | Within |
| 2025-10-22 | After-Close | 11.38% | 5.87% | 0.52x | Within |
| 2026-01-22 | Pre-Market | 22.39% | 0.52% | 0.02x | Within |
| 2026-04-23 | Pre-Market | 12.51% | 1.49% | 0.12x | Within |
| 2026-07-30 | Pre-Market | 20.53% | 0.46% | 0.02x | Within |
| 2026-10-27 | After-Close | 25.34% | 6.06% | 0.24x | Within |
Earnings calendar: this week’s reports with expected vs actual moves →
OCFC Options Activity & IV Rank
OCFC IV rank history, 52-week IV rank and IV percentile →
Volatility Metrics
Current IV: 73.8%
7-DTE IV: 73.8%
Expected Move: $3.73
7-DTE Move: $2.62
Days to Exp: 39 (2026-12-18)
Options Flow · All expiries
Call Volume: 266
Put Volume: 638
P/C Volume: 2.398
BEARISH
Call OI: 662
Put OI: 921
P/C OI: 1.391
Total OI: 1,583
ATM Options Pricing
ATM Call: $1.27
ATM Put: $2.45
Call %: 6.9%
Put %: 13.3%
Chain Summary
Chain Volume: 904
Chain OI: 1,583
Last Updated: 11/9/2026
Spread Scanner
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Scanning bull put, bear call, iron condor and calendar spreads…
Dealer Positioning
TYPICAL γ
Estimated net dealer gamma is at the 64th percentile of this name's own daily history, within its typical range. This describes current positioning; it is not a forecast or a trading signal.
Gamma percentile
64%
vs own history
GEX tilt
+0.52
OI-weighted, today
Vanna tilt
-0.19
δ-sensitivity to IV
Charm tilt
-0.02
δ-decay vs time
? What is this?
· 4 ATM contracts, 0k total OI
Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.
Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.
Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.
This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
—
—
pts
EXTREME
No data
30 DTE / 10d
—
—
pts
EXTREME
No data
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Loading the implied volatility surface…
Volatility Smile
Loading the implied volatility smile…
IV Rank (7 DTE)16.6LowNov 9
IV Rank (30 DTE)64.9MediumNov 9
Straddle Price (30 DTE)$3.73Nov 9
Beta Analysis
Risk Metrics
Beta: 0.5551
Alpha: -0.66%
Correlation: 0.2830
R-Squared: 8.0%
Stock Volatility: 27.0%
Market Volatility: 13.8%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own OCFC
4 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Citadel Hedge fund Ken Griffin | $12.4M | #1433 of 6285 | +23.6% | 13F | |
| Renaissance Technologies Hedge fund Jim Simons | $9.3M | #1095 of 3138 | +54.6% | 13F | |
| Millennium Management Hedge fund Izzy Englander | $1.2M | #2839 of 3716 | -32.4% | 13F | |
| Rockefeller Capital Management Family office Rockefeller family | $2K | #4386 of 4729 | new | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
OCFC Institutional Ownership (13F)
Filings for 2026-06-30 · 85 already for 2026-09-30
? 13F Guide
Diluted shares outstanding: 57,312,250 (as of 2026-03-31)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
4 filers$624.24K notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Citadel Advisors LLC Custodian | $403.10K | 64.57% | 2026-06-30 |
| 2 | Susquehanna International Group, LLP Custodian | $207.02K | 33.16% | 2026-06-30 |
| 3 | Simplex Trading, LLC Custodian | $8.27K | 1.32% | 2026-09-30 |
| 4 | GROUP ONE TRADING LLC Custodian | $5.86K | 0.94% | 2026-06-30 |
1 filers$792.92K notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Jane Street Group, LLC Custodian | $792.92K | 100.00% | 2026-06-30 |
OCFC Insider Trading (Form 4)
Latest: 2026-11-03Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-11-03 | Jack M. Farris | Director | Buy (P) | +542 | $18.46 | $10.0K | EDGAR |
| 2026-11-02 | Nicos Katsoulis | Director | Buy (P) | +10,000 | $17.83 | $178.3K | EDGAR |
| 2026-10-30 | Patrick Sean Barrett | Senior EVP & CFO | Buy (P) | +5,000 | $17.90 | $89.5K | EDGAR |
| 2026-09-18 | John R Buran | Director | Mixed Tax −35,037 · Grant +226,594 |
+191,557 | $18.25 | -$639.4K | EDGAR |
| 2026-09-18 | John R Buran | Director | Sell (S) | −113,630 | $19.40 | -$2.20M | EDGAR |
| 2026-09-01 | Brian Schaeffer | Sell (S) | −5,500 | $18.91 | -$104.0K | EDGAR | |
| 2026-08-13 | John R Buran | Director | Sell (S) | −113,630 | $19.40 | -$2.20M | EDGAR |
| 2026-08-11 | John R Buran | Director | Sell (S) | −113,463 | $19.40 | -$2.20M | EDGAR |
| 2026-06-03 | Sam Sang Ki Han | Director | Award (A) | +65,323 | — | EDGAR | |
| 2026-06-03 | Louis C Grassi | Director | Award (A) | +104,737 | — | EDGAR | |
| 2026-06-03 | Caren C Yoh | Director | Award (A) | +52,262 | — | EDGAR | |
| 2026-06-03 | Alfred A DelliBovi | Director | Award (A) | +52,262 | — | EDGAR | |
| 2026-06-03 | John R Buran | Director | Award (A) | +226,594 | — | EDGAR | |
| 2026-06-03 | Steven J DIorio | Director | Award (A) | +52,190 | — | EDGAR | |
| 2026-03-11 | Patrick Chong | — | — | — | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
OCFC Insider Holdings
25 insiders · @ $18.44
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Christopher Maher | Chairman and CEO | 373,621 | $6.89M | $239.6K | 26 | 2026-03-06 |
| 2 | Joseph Lebel III | Senior EVP and COO | 320,935 | $5.92M | -$755.8K | 33 | 2026-03-06 |
| 3 | Steven James Tsimbinos | Senior EVP & Corp. Secretary | 213,233 | $3.93M | $20.1K | 19 | 2026-03-06 |
| 4 | Joseph M. Murphy Jr. | Director | 206,964 | $3.82M | $0 | 4 | 2026-03-03 |
| 5 | Michele B Estep | 181,662 | $3.35M | -$28.1K | 6 | 2026-03-06 | |
| 6 | Patrick Sean Barrett | Senior EVP & CFO | 153,560 | $2.83M | $89.5K | 3 | 2026-10-30 |
| 7 | Louis C Grassi | Director | 104,737 | $1.93M | $0 | 1 | 2026-06-03 |
| 8 | David Berninger | Senior EVP & CRO | 100,069 | $1.85M | $0 | 2 | 2026-03-06 |
| 9 | Brian Schaeffer | 86,539 | $1.60M | -$104.0K | 3 | 2026-09-01 | |
| 10 | John R Buran | Director | 78,292 | $1.44M | -$6.61M | 5 | 2026-09-18 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
OCFC Board & Officers
As of SEC filings through Nov 3, 2026Directors 37
- Christopher Maher · listed since Mar 2014
- Jack M. Farris · since Mar 18, 2015
- Anthony R Coscia · since Jan 31, 2018
- Grace C Torres · since Jan 31, 2018
- Nicos Katsoulis · since Jan 1, 2019
- Steven Scopellite · since Jun 26, 2019
- Patricia Lynne Turner · since Sep 24, 2020
- Joseph Lebel III · listed since Mar 2023
- Dalila Wilson-Scott · since Oct 1, 2023
- Robert C Garrett · since Oct 1, 2023
- Alfred A DelliBovi · since Jun 1, 2026
- Caren C Yoh · since Jun 1, 2026
- John R Buran · since Jun 1, 2026
- Louis C Grassi · since Jun 1, 2026
- Sam Sang Ki Han · since Jun 1, 2026
- Steven J DIorio · since Jun 1, 2026
- Todd Schell · since Jun 1, 2026
- WPFS II Orion Investments GP, LLC (entity) · since Jun 1, 2026
- WPFS II Orion Investments, L.P. (entity) · since Jun 1, 2026
- WPGG 14 Orion Investments GP, LLC (entity) · since Jun 1, 2026
- WPGG 14 Orion Investments, L.P. (entity) · since Jun 1, 2026
- Warburg Pincus (Bermuda) Private Equity GP Ltd. (entity) · since Jun 1, 2026
- Warburg Pincus (callisto) Global Growth 14 (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus (cayman) Financial Sector II Gp LLC (entity) · since Jun 1, 2026
- Warburg Pincus (cayman) Financial Sector II Gp, L.p. (entity) · since Jun 1, 2026
- Warburg Pincus (cayman) Global Growth 14 Gp LLC (entity) · since Jun 1, 2026
- Warburg Pincus (cayman) Global Growth 14 Gp, L.p. (entity) · since Jun 1, 2026
- Warburg Pincus (europa) Global Growth 14 (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus Financial Sector II (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus Financial Sector II Partners (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus Financial Sector Ii-E (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus Global Growth 14 Partners (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus Global Growth 14-B (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus Global Growth 14-E (cayman), L.p. (entity) · since Jun 1, 2026
- Warburg Pincus LLC (entity) · since Jun 1, 2026
- Warburg Pincus Partners II (Cayman), L.P. (entity) · since Jun 1, 2026
- Wp Global Growth 14 Partners (cayman), L.p. (entity) · since Jun 1, 2026
Officers 4
- Patrick Sean Barrett · Senior EVP & CFO · listed since Mar 2025
- Joseph Lebel III · Senior EVP and COO · listed since Mar 2025
- Steven James Tsimbinos · Senior EVP & Corp. Secretary · listed since Mar 2025
- David Berninger · Senior EVP & CRO · listed since Mar 2025
Changes in the last 10 years (72)
| Jun 1, 2026 | Wp Global Growth 14 Partners (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus Partners II (Cayman), L.P. became a director |
| Jun 1, 2026 | Warburg Pincus LLC became a director |
| Jun 1, 2026 | Warburg Pincus Global Growth 14-E (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus Global Growth 14-B (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus Global Growth 14 Partners (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus Financial Sector Ii-E (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus Financial Sector II Partners (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus Financial Sector II (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus (europa) Global Growth 14 (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus (cayman) Global Growth 14 Gp, L.p. became a director |
| Jun 1, 2026 | Warburg Pincus (cayman) Global Growth 14 Gp LLC became a director |
| Jun 1, 2026 | Warburg Pincus (cayman) Financial Sector II Gp, L.p. became a director |
| Jun 1, 2026 | Warburg Pincus (cayman) Financial Sector II Gp LLC became a director |
| Jun 1, 2026 | Warburg Pincus (callisto) Global Growth 14 (cayman), L.p. became a director |
| Jun 1, 2026 | Warburg Pincus (Bermuda) Private Equity GP Ltd. became a director |
| Jun 1, 2026 | WPGG 14 Orion Investments, L.P. became a director |
| Jun 1, 2026 | WPGG 14 Orion Investments GP, LLC became a director |
| Jun 1, 2026 | WPFS II Orion Investments, L.P. became a director |
| Jun 1, 2026 | WPFS II Orion Investments GP, LLC became a director |
| Jun 1, 2026 | Todd Schell became a director |
| Jun 1, 2026 | The company announced the departure of Kimberly M Guadagno from the board in an SEC filing |
| Jun 1, 2026 | The company announced the departure of Joseph M. Murphy Jr. from the board in an SEC filing |
| Jun 1, 2026 | The company announced the departure of John F Barros from the board in an SEC filing |
| Jun 1, 2026 | The company announced the departure of Christopher Maher as Chairman and CEO in an SEC filing |
| Jun 1, 2026 | Steven J DIorio became a director |
| Jun 1, 2026 | Sam Sang Ki Han became a director |
| Jun 1, 2026 | Louis C Grassi became a director |
| Jun 1, 2026 | John R Buran became a director |
| Jun 1, 2026 | Caren C Yoh became a director |
| Jun 1, 2026 | Alfred A DelliBovi became a director |
| Mar 4, 2025 | Steven James Tsimbinos listed as Senior EVP & Corp. Secretary (previously Executive VP/Corp. Secretary) in SEC filings |
| Mar 4, 2025 | Patrick Sean Barrett listed as Senior EVP & CFO (previously Executive Vice President & CFO) in SEC filings |
| Mar 4, 2025 | Joseph Lebel III listed as Senior EVP and COO (previously President and COO) in SEC filings |
| Mar 4, 2025 | David Berninger listed as Senior EVP & CRO (previously EVP & Chief Risk Officer) in SEC filings |
| Oct 10, 2023 | David Berninger became EVP & Chief Risk Officer |
| Oct 1, 2023 | Robert C Garrett became a director |
| Oct 1, 2023 | Dalila Wilson-Scott became a director |
| Sep 18, 2023 | The company announced the departure of John E Walsh from the board in an SEC filing |
| Sep 18, 2023 | Oceanfirst Financial Corp became a director |
| Sep 18, 2023 | John F Barros became a director |
| Mar 2, 2023 | Joseph Lebel III first listed as a director in an SEC filing |
| Mar 2, 2023 | Grace Vallacchi no longer listed as a director in SEC filings |
| Mar 2, 2023 | Angela K Ho no longer listed as SVP/Principal Accounting Off. in SEC filings |
| Jun 2, 2022 | Patrick Sean Barrett became Executive Vice President & CFO |
| Mar 17, 2022 | The company announced the departure of Michael J Fitzpatrick as Executive Vice President & CFO in an SEC filing |
| Nov 8, 2021 | The company announced the departure of William D Moss from the board in an SEC filing |
| Mar 2, 2021 | Joseph Lebel III first listed as President and COO in an SEC filing |
| Mar 2, 2021 | Grace Vallacchi first listed as a director in an SEC filing |
| Mar 2, 2021 | Christopher Maher listed as Chairman and CEO (previously Chairman, President and CEO) in SEC filings |
| Sep 24, 2020 | Patricia Lynne Turner became a director |
| Jan 1, 2020 | William D Moss became a director |
| Jan 1, 2020 | Joseph M. Murphy Jr. became a director |
| Jun 26, 2019 | Steven Scopellite became a director |
| Mar 4, 2019 | Michele B Estep no longer listed as Chief Administrative Officer in SEC filings |
| Mar 4, 2019 | Angela K Ho listed as SVP/Principal Accounting Off. (previously SVP/Chief Accounting Off.) in SEC filings |
| Jan 1, 2019 | Nicos Katsoulis became a director |
| Jan 1, 2019 | Michele B Estep became Chief Administrative Officer |
| Jun 28, 2018 | Kimberly M Guadagno became a director |
| Mar 28, 2018 | Grace Vallacchi became Executive Vice President & CRO |
| Jan 31, 2018 | Grace C Torres became a director |
| Jan 31, 2018 | Anthony R Coscia became a director |
| Jan 24, 2018 | John K Lloyd became a director |
| Apr 11, 2017 | Christopher Maher listed as President and CEO (previously Chairman, President and CEO) in SEC filings |
| Apr 11, 2017 | Christopher Maher listed as Chairman, President and CEO (previously President and CEO) in SEC filings |
| Mar 16, 2017 | Steven James Tsimbinos listed as Executive VP/Corp. Secretary (previously First Senior VP/Corp Secretary) in SEC filings |
| Mar 6, 2017 | Angela K Ho became SVP/Chief Accounting Off. |
| Feb 8, 2017 | Christopher Maher listed as Chairman, President and CEO (previously President and CEO) in SEC filings |
| Jan 10, 2017 | John R Garbarino first listed as a director in an SEC filing |
| Dec 1, 2016 | Steven E Brady became a director |
| Dec 1, 2016 | Samuel Young became a director |
| Dec 1, 2016 | Dorothy McCrosson became a director |
Not reported recently (13)
- Michael D Devlin · Last reported as a director in an SEC filing dated Mar 1, 2024
- Oceanfirst Financial Corp · Last reported as a director in an SEC filing dated Sep 22, 2023
- Grace Vallacchi · Last reported as Executive Vice President & CRO in an SEC filing dated Mar 10, 2023
- Angelo Catania · Last reported as a director in an SEC filing dated Mar 1, 2022
- John K Lloyd · Last reported as a director in an SEC filing dated Mar 1, 2022
- Steven E Brady · Last reported as a director in an SEC filing dated Mar 3, 2020
- Samuel Young · Last reported as a director in an SEC filing dated Mar 3, 2020
- Diane F Rhine · Last reported as a director in an SEC filing dated Mar 4, 2019
- Mark G Solow · Last reported as a director in an SEC filing dated Mar 4, 2019
- Donald E McLaughlin · Last reported as a director in an SEC filing dated Feb 14, 2018
- Joseph J Burke · Last reported as a director in an SEC filing dated Feb 14, 2018
- Dorothy McCrosson · Last reported as a director in an SEC filing dated Jan 25, 2018
- John R Garbarino · Last reported as a director in an SEC filing dated May 24, 2017
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
OCFC Proposed Insider Sales (Form 144)
Latest: 2026-09-01
? Form 144 Guide
Last 30d:
0 filings
· Last 90d:
2 filings
· $2.3M notice value
· 2 unique filers
What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.
How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.
10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.
"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.
Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.
Top 90-day filers:
John Buran (1, $2.2M) · Brian Schaeffer (1, $104K)
| Filed | Filer | Role | Shares | Notice Value | Planned Sale | Broker | Plan | Link |
|---|---|---|---|---|---|---|---|---|
| 2026-09-01 | Brian Schaeffer | Officer | 5,500 | $104.0K | 2026-08-31 | Ameriprise Financial Services | — | EDGAR |
| 2026-08-13 | John Buran | Director | 113,630 | $2.20M | 2026-08-07 | Empower | — | EDGAR |
| 2026-03-23 | JOSEPH M MURPHY | Director | 150,000 | $2.68M | 2026-03-23 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
Recent SEC Filings
Latest: 2026-11-06
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
| Filing Date | Event | Link |
|---|---|---|
| 2026-10-27 | Earnings results · Regulation FD disclosure · Other events | EDGAR |
| 2026-07-31 | Earnings results · Regulation FD disclosure · Other events | EDGAR |
| 2026-06-30 | Other events | EDGAR |
| 2026-06-08 | Other events | EDGAR |
| 2026-06-01 | Material agreement · Acquisition or sale completed · New debt obligation · Unregistered share sale · Shareholder rights change · Director or officer change · Bylaws or fiscal year change · Regulation FD disclosure | EDGAR |
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
| Filing Date | Accession | Link |
|---|
ETF Holders
74 ETFs hold OCFC
25 shown · $294.66M total exposure · 0.05% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $43.0M | — | 2026-09-30 |
| 2 | IWM iShares Russell 2000 ETF | iShares (BlackRock) | 0.05% | $41.2M | $76.6B | 2026-11-06 |
| 3 | DFSV Dimensional US Small Cap Value ETF | Dimensional | 0.13% | $34.3M | — | 2026-11-05 |
| 4 | KRE State Street® SPDR® S&P® Regional Banking ETF | SPDR (State Street) | 0.67% | $31.3M | $4.7B | 2026-11-05 |
| 5 | FESM Fidelity Enhanced Small Cap Core ETF | Fidelity | 0.26% | $17.3M | $6.6B | 2026-11-05 |
| 6 | VXF Vanguard Extended Market ETF | Vanguard | 0.02% | $15.7M | — | 2026-09-30 |
| 7 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.04% | $13.5M | — | 2026-11-05 |
| 8 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.04% | $13.5M | — | 2026-11-05 |
| 9 | IWN iShares Russell 2000 Value ETF | iShares (BlackRock) | 0.09% | $12.3M | $13.9B | 2026-11-06 |
| 10 | VTWO Vanguard Russell 2000 ETF | Vanguard | 0.05% | $8.5M | — | 2026-09-30 |
| 11 | AVUV Avantis U.S. Small Cap Value ETF | Avantis | 0.02% | $7.9M | $31.6B | 2026-11-05 |
| 12 | SCHA Schwab U.S. Small-Cap ETF | Nport | 0.03% | $7.7M | — | 2026-08-31 |
| 13 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.01% | $7.2M | — | 2026-11-05 |
| 14 | BSVO EA Bridgeway Omni Small-Cap Value ETF | Nport | 0.30% | $7.2M | — | 2026-06-30 |
| 15 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.08% | $6.0M | — | 2026-11-05 |
| 16 | FNDA Schwab Fundamental U.S. Small Company ETF | Nport | 0.05% | $4.5M | — | 2026-08-31 |
| 17 | AVSC Avantis U.S. Small Cap Equity ETF | Avantis | 0.11% | $3.4M | $3.2B | 2026-11-05 |
| 18 | DES WisdomTree U.S. SmallCap Dividend Fund | Nport | 0.15% | $3.3M | — | 2026-06-30 |
| 19 | ITOT iShares Core S&P Total U.S. Stock Market ETF | iShares (BlackRock) | 0.00% | $3.2M | $93.2B | 2026-11-06 |
| 20 | IWO iShares Russell 2000 Growth ETF | iShares (BlackRock) | 0.02% | $3.1M | $13.7B | 2026-11-06 |
| 21 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.01% | $2.5M | — | 2026-11-05 |
| 22 | VFH Vanguard Financials ETF | Vanguard | 0.02% | $2.2M | — | 2026-09-30 |
| 23 | PRFZ Invesco RAFI US 1500 Small-Mid ETF | Nport | 0.08% | $2.1M | — | 2026-07-31 |
| 24 | DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund | Nport | 0.47% | $1.9M | — | 2026-06-30 |
| 25 | FYX First Trust Small Cap Core AlphaDEX® Fund | First Trust | 0.14% | $1.9M | $1.4B | 2026-11-06 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
Trailing P/E
15.68
TTM Diluted EPS
$1.17
TTM Revenue
$697.24M
TTM Net Income
$67.13M
TTM Op. Cash Flow
$114.21M
Quarterly figures (12 quarters)
| Quarter | Period End | Revenue | Net Income | Diluted EPS | Op. Cash Flow |
|---|---|---|---|---|---|
| Q1 '26 | 2026-03-31 | $175.04M | $20.51M | $0.36 | $25.21M |
| Q4 '25 | 2025-12-31 | $181.14M | $13.09M | $0.23 | $36.00M |
| Q3 '25 | 2025-09-30 | $174.50M | $17.33M | $0.30 | $24.41M |
| Q2 '25 | 2025-06-30 | $166.56M | $16.20M | $0.28 | $28.58M |
| Q1 '25 | 2025-03-31 | $164.96M | $20.50M | $0.35 | $-1.79M |
| Q4 '24 | 2024-12-31 | $171.85M | $20.91M | $0.36 | $44.80M |
| Q3 '24 | 2024-09-30 | $176.21M | $24.11M | $0.42 | $-22.39M |
| Q2 '24 | 2024-06-30 | $170.41M | $23.37M | $0.40 | $23.72M |
| Q1 '24 | 2024-03-31 | $173.89M | $27.66M | $0.47 | $46.11M |
| Q4 '23 | 2023-12-31 | $172.29M | $26.68M | $0.46 | $-26.82M |
| Q3 '23 | 2023-09-30 | $169.17M | $19.66M | $0.33 | $54.82M |
| Q2 '23 | 2023-06-30 | $159.02M | $26.79M | $0.45 | $71.89M |
Q1 2026 • period ending 2026-03-31 • filed 2026-05-01
Valuation
Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.
Price Multiples
- P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
- P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
- P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
- EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
- EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
- ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
- ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
- Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
- FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
- Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
- Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
- Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
- Multiples expanding while earnings are flat = sentiment-driven rally.
- Multiples compressing while earnings grow = value coming from fundamentals.
P/E
15.68
P/B
0.63
P/S
1.51
EV/EBITDA
8.21
EV/Sales
1.31
ROE
4.0%
ROA
0.5%
Div Yield
2.54%
FCF Yield
10.86%
Debt/Equity
0.00
Current Ratio
—
Market Cap
$1.05B
as of 2026-11-09
OCFC vs Peers
Related companies, largest first| Company | Market cap | P/E | Revenue growth | YTD | IV rank |
|---|---|---|---|---|---|
| WTFC Wintrust Financial Corp | $10.2B | 13.1 | +6.6% | +9.4% | 44 |
| CBC Central Bancompany, Inc. Class A Common | $9.0B | — | — | +61.9% | 67 |
| CBSH Commerce Bancshares Inc | $7.8B | 13.9 | +4.1% | +8.3% | 64 |
| UBSI United Bankshares Inc | $6.6B | 13.8 | +10.9% | +28.2% | 76 |
| HWC Hancock Whitney Corporation Common Stock | $5.7B | 15.1 | −4.8% | +14.4% | 82 |
| CATY Cathay General Bancorp | $4.3B | 13.6 | +1.1% | +35.2% | 51 |
| INDB Independent Bank Corp/MA | $3.9B | 16.9 | +27.3% | +17.4% | 45 |
| FFBC First Financial Bancorp | $3.4B | 12.5 | +2.7% | +32.6% | 39 |
| OCFC OceanFirst Financial Corp | $1.8B | 15.8 | +2.0% | +3.4% | 65 |
| Peer median | $6.1B | 13.8 | +4.1% | +22.8% | 58 |
P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.
Short Interest & Float
Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.
Metric definitions
- Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
- SI % of Float — short interest / free float. The key crowding metric.
- Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
- Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
- Free Float — shares available for public trading (total shares minus insider / restricted).
- Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
- SI % of Float < 5% — typical, no particular signal.
- 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
- 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
- >30% — extreme; borrow is likely expensive and squeeze risk is material.
- Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
- Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
- A sudden drop in SI after a rally may indicate a squeeze in progress.
Short interest is reported mid-month and end-of-month; short volume is daily.
Short Interest
5.49M
SI % of Float
6.56%
Days to Cover
4.31
Short Vol Ratio
58.1%
Free Float
83.66M
Float %
86.6%
Short interest 2026-10-15 • Short volume 2026-11-06 • Float 2026-10-08