Insider buying last 90 days
No open-market insider purchases were filed for OCFC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every OCFC insider filing, plotted on the chart in Gekko.Open OCFC in Gekko
NASDAQ: OCFC
OceanFirst Financial (OCFC) Stock Analysis & Forecast
Oct 12 close
$16.13+0.05 (+0.3%)
Gekko Brief
AI summaryOct 12 closeOCFC has traded near 52-week lows this week, touching $16.15 before settling close by, as analyst commentary dominates the headlines. Piper Sandler maintained a Neutral rating while lowering its price target from $21.00 to $18.00, citing a cautious outlook on financial strength, and separate coverage reiterated a consensus "Hold" rating with a $20.33 average target, alongside notes on the stock's 5.0% dividend yield and elevated payout ratio. A Schedule 13G filing also showed Dimensional Fund Advisors holding a 5.1% passive position.
The stock closed at $16.13, down from recent levels and sitting below both its 50-day ($18.31) and 200-day ($18.59) moving averages, with the shorter average also below the longer one, reflecting a broader downtrend; one-month return stands at -14.1% and the one-year return at -10.5%. The GekkoIndex reads 72.1, placing OCFC in the Buying zone. Fair value work puts Gekko Fair Value at $19.60, with the current price running 17.7% below that mark.
OceanFirst's next earnings release is scheduled for 27 October 2026 after market close, falling within the next 20 trading days, with a conference call to follow on 28 October. The last report showed core EPS of $0.43 against a $0.42 estimate, with a -2.1% reaction, and five beats across the last eight quarters. Seasonality from this point in the calendar has averaged a 7.3% move over the next 20 trading days across 5 years, rising in 4 of them. No insider, Congress or unusual options activity appears in the respective windows.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
OceanFirst Financial price vs fair value
Close $16.13200-day averageGekko Fair Value $19.60
OceanFirst Financial quick facts
- Market cap
- $972.5M
- P/E ratio
- 20.5
- Forward P/E
- 10.5
- EPS, TTM
- $0.80
- Revenue, TTM
- $427.6M
- Profit margin
- 11.2%
- Dividend yield
- 4.86%
- Beta
- 1.00
- Volume
- 1.04M avg 1.25M
- 1-year return
- −10.5%
- Typical daily move
- ±2.3%
- Typical 20-day move
- ±6.1%
- 50-day average
- $18.31
- 200-day average
- $18.59
- Next earnings
- Oct 27 after close
- Shares outstanding
- 96.65M
OceanFirst Financial swing-trade checklist
OceanFirst Financial scores 3 supportive, 0 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $16.13 is below the 50-day ($18.31) and 200-day ($18.59) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
72.1, Buying
Reading 72.1 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
17.7% below
Price is 17.7% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 15 days
Reports on Oct 27, 2026, 15 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+7.3% on average
From this point in the calendar, the next 20 trading days averaged +7.3% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
OceanFirst Financial stock chart and price history
OceanFirst Financial closed at $16.13 on Oct 12, 2026, −10.5% over the past year, inside a 52-week range of $15.98 to $20.61.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −14.1%
- 3 months
- −16.3%
- 6 months
- −13.9%
- 1 year
- −10.5%
The full OCFC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open OCFC in Gekko
Follow OceanFirst Financial through every session
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About OceanFirst Financial
OceanFirst Financial sits atop OceanFirst Bank N.A. and channels its work into everyday banking for individuals and businesses throughout the country. People recognize it mainly for the wide range of accounts and loans it makes available to local depositors and borrowers.
Customers can open savings and money market accounts, checking accounts that do or do not pay interest, and certificates of deposit, along with deposits arranged through brokers. On the credit side, the bank funds commercial property, multi-family housing, raw land, new construction, and business operations, while also writing home mortgages at fixed and adjustable rates and extending consumer credit like home equity lines, student loans, and overdraft protection. Beyond lending, it holds a portfolio of mortgage-backed and government securities along with corporate paper, and brings in income from card programs, wealth and trust management, loan and security sales, life insurance policies held on its books, and swaps tied to commercial lending.
Dating back to 1902, the company runs its operations from Toms River, New Jersey. Investors can find its stock listed on the NASDAQ under the ticker OCFC.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Savings banks
- Website
- oceanfirst.com
OceanFirst Financial GekkoIndex: the smart money zone
OceanFirst Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 72.1, in the Buying zone, up 1.6 points over five sessions.
72.1Buying
Up 1.6 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days |
|---|---|---|---|
| Buying (current zone) | 48 | +0.7% | +6.9% |
| Accumulation | 208 | +0.7% | +2.4% |
| Neutral | 394 | −0.2% | −0.5% |
| Distribution | 22 | −2.4% | −8.5% |
| Selling | 10 | −0.3% | −12.6% |
Average OCFC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.1% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the OCFC price, zone by zone.Track OCFC in Gekko
Is OceanFirst Financial stock overvalued? Gekko Fair Value
OceanFirst Financial trades 17.7% below Gekko Fair Value of $19.60, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what OceanFirst Financial shares are worth, recalculated every trading day.
$19.60
Gekko Fair Value, Oct 10, 2026
17.7% Undervalued
At the end of Aug 2026 the price was 10.8% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open OCFC in Gekko
OceanFirst Financial insider and Congress trading
No open-market insider purchases were filed for OceanFirst Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in OCFC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for OCFC, plotted on the chart in Gekko.Open OCFC in Gekko
Buybacks
OceanFirst Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $7.97M
- As a share of market cap
- 0.82%
- Trailing four quarters
- $11.96M
From company filings.
OceanFirst Financial earnings: next date and track record
OceanFirst Financial reports on Oct 27, 2026, after the close (15 days away), and beat the EPS estimate in 5 of its last 8 reports.
Next earnings report
Oct 27, 2026
Expected after the close, 15 days away
- EPS estimate
- $0.40
- Revenue estimate
- $177.8M
5 of 8reports beat the EPS estimate
±2.4%average move across the report
2 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 30, 2026 AI summary
- What they said
- OceanFirst reported second quarter 2026 results that reflect the June 1 closing of the Flushing Financial acquisition. On a GAAP basis they reported a small net loss of $0.04 per diluted share driven by $33.6 million ($0.47 per share) of one-time merger-related expenses; on a core (non-GAAP) basis, EPS was $0.43, unchanged quarter-over-quarter and up 39% year-over-year. Pre-tax, pre-provision core earnings rose 29% quarter-over-quarter to $44.5 million. Net interest income grew for the eighth consecutive quarter (up $24 million vs. prior quarter, $33 million vs. prior year) driven largely by the Flushing acquisition and earning asset growth; NIM expanded 12 basis points to 3.05%. Management expects further NII benefits from a full quarter of the combined franchise and reiterated longer-term margin targets (3.20% in 2027 post-merger). Asset quality metrics were impacted by purchase accounting marks (including PCD loans) but underlying credit trends remain strong: excluding PCD loans, NPAs and NPLs remain low (NPLs 0.33% of loans). The allowance increased to 1.29% primarily from the day-1 reserve for Flushing. Management discussed hedging steps (caps and collars protecting against large rate moves), modest liability sensitivity (a 25 bps hike would be a ~$5 million pre-tax revenue headwind annually), and operational integration timing (system conversion in Q3, staff reductions kicking in late Q3 into Q4, cost saves mainly realized in Q4 and into 2027). They highlighted opportunities to optimize Flushing’s funding base, recycle securities into higher yields, and recruit commercial bankers in 2027 to drive loan growth. Management was measured and generally confident throughout Q&A.
- Guidance
- Net interest income: expected to benefit from a full quarter of the combined franchise. Long-term margin target: reiterated 3.20% NIM in 2027 (post-merger). Interest-rate sensitivity: a 25-basis-point rate hike would be roughly a $5 million pre-tax revenue impact annually; a 25-basis-point cut would be roughly -$4 million. Accretion: ~ $1M in June (Q2), about $5M in Q3, full year ~ $8M; expect ~ $16-18M per year over next 2-3 years. Expense/cost saves: run-rate targeted closer to ~$100M (down from ~$110M) as synergies and conversions complete, with biggest cost saves kicking in Q4 and a 'clean' first quarter of 2027. One-time digital platform expense in Q3: approx $2M.
- Risks flagged
- Competitive pressure on loan pricing and deposit funding; integration risks (merger-related expenses and system conversion timing); reported asset-quality metrics elevated by purchase accounting (PCD) which could cause market perception risk even if underlying credit is stable; a modest liability sensitivity to rates (could modestly dilute revenue on hikes); a few specific criticized/non-performing commercial relationships (including a $21M CRE loan and additional criticized relationships totaling ~$56M); execution risk in realizing cost saves and recruiting revenue-producing bankers.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 30, 2026 | $0.43 est $0.42 | $131.3M est $135.6M | −2.1% |
| Apr 23, 2026 | $0.43 est $0.39 | $103.2M est $104.5M | +1.6% |
| Jan 22, 2026 | $0.41 est $0.37 | $104.7M est $103.2M | −3.2% |
| Oct 22, 2025 | $0.36 est $0.36 | $101.8M est $104.9M | −4.4% |
| Jul 24, 2025 | $0.31 est $0.33 | $96.33M est $105.0M | −4.4% |
| Apr 24, 2025 | $0.35 est $0.35 | $96.74M est $95.63M | +1.2% |
| Jan 24, 2025 | $0.38 est $0.36 | $94.43M est $95.08M | −2.1% |
| Oct 17, 2024 | $0.39 est $0.38 | $95.75M est $83.18M | −0.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
OceanFirst Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for OceanFirst Financial is $21.42, +32.8% from the last close, from 3 firms rating the stock in the last 90 days.
$21.42consensus 12-month target, +32.8% from the last close
Now $16.13Avg $21.42
Low $18High $21
Each firm’s latest rating in the last 90 days: 3 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 6 | Piper Sandler | $18 | +11.6% |
| Aug 6 | KBW | — | — |
| Aug 5 | Piper Sandler | $21 | +30.2% |
| Aug 3 | KBW | $22 | +36.4% |
| Aug 3 | D.A. Davidson | $21 | +30.2% |
+6.9%average 20-day move after past Buying readings
+7.3%average move over the next 20 trading days in the last 5 years
±2.3%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
OceanFirst Financial seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, OceanFirst Financial averaged +7.3% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.9% | 2 of 5 |
| Next 10 trading days | +2.0% | 4 of 5 |
| Next 15 trading days | +3.8% | 4 of 5 |
| Next 20 trading days | +7.3% | 4 of 5 |
| Next 30 trading days | +6.5% | 4 of 5 |
For scale, OCFC’s typical 20-trading-day move in either direction is about 6.1%.
OceanFirst Financial market cap and key statistics
OceanFirst Financial’s market cap is $972.5M, with a P/E ratio of 20.5 and revenue of $427.6M over the last twelve months.
Valuation
- Market cap
- $972.5M
- P/E ratio
- 20.5
- Forward P/E
- 10.5
- EPS, TTM
- $0.80
- Gekko Fair Value
- $19.60
Trading
- Volume
- 1.04M
- Avg volume, 20 days
- 1.25M
- 52-week high
- $20.61
- 52-week low
- $15.98
- Shares outstanding
- 96.65M
Financials
- Revenue, TTM
- $427.6M
- Profit margin
- 11.2%
- Return on equity
- 2.4%
- Quarterly earnings growth, YoY
- +2.7%
Risk and income
- Beta
- 1.00
- Typical daily move
- ±2.3%
- Typical 20-day move
- ±6.1%
- Dividend yield
- 4.86%
OceanFirst Financial stock news this week
Coverage of OceanFirst Financial this week reads neutral: 0 positive, 6 neutral and 2 negative headlines.
- OceanFirst Financial Corp. (NASDAQ:OCFC) Stock Has Consensus Price Target of $20.33 According to BrokeragesMarketBeat, Oct 10
- OceanFirst Financial Corp stock hits 52-week low at 16.15 USDInvesting.com Nigeria, Oct 9
- A fund adviser reports a passive position above 5% in OceanFirst Financial (OCFC).Stock Titan, Oct 8
- OCFC Maintains Neutral Rating by Piper Sandler -- Price Target Lowered to $18.00GuruFocus, Oct 7
- OceanFirst Financial stock heads toward October 27 resultsAD HOC NEWS, Oct 7
- OceanFirst Financial Corp schedules Q3FY26 earnings call for Oct 28scanx.trade, Oct 6
OceanFirst Financial peers
OceanFirst Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| WBSWebster Financial | Neutral | 1.7% above |
| TFSLTFS Financial | Accumulation | 8.3% below |
| WSFSWSFS Financial | Accumulation | 8.3% below |
| PFSProvident Financial Services | Accumulation | 12.1% below |
| CLBKColumbia Financial | Accumulation | 13.0% below |
| NWBINorthwest Bancshares | Accumulation | 5.6% below |
A peer links to its own page where one exists.
OceanFirst Financial stock FAQ
What is OceanFirst Financial’s market cap?
OceanFirst Financial’s market cap is $972.5M at the Oct 12, 2026 close of $16.13, with 96.65M shares outstanding. The shares trade on a P/E ratio of 20.5.
What is the OceanFirst Financial stock forecast?
The consensus analyst 12-month price target for OceanFirst Financial is $21.42, +32.8% from the last close. Of the 3 firms that rated the stock in the last 90 days, 1 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is OceanFirst Financial stock overvalued or undervalued?
On Gekko’s estimate OceanFirst Financial is undervalued: the Oct 12, 2026 close of $16.13 is 17.7% below Gekko Fair Value of $19.60. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does OceanFirst Financial report earnings next?
OceanFirst Financial is expected to report on Oct 27, 2026, after the market closes (15 days away). Analysts expect earnings of $0.40 per share on revenue of $177.8M. OceanFirst Financial beat the earnings estimate in 5 of its last 8 reports, moving 2.4% on average across the report.
What is OceanFirst Financial’s 52-week high and low?
OceanFirst Financial’s 52-week high is $20.61 and its 52-week low is $15.98; it closed at $16.13 on Oct 12, 2026, −10.5% over the past year. Over the last five years the shares peaked at $24.93 on Feb 9, 2023.
Is OceanFirst Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality) and 2 as headwinds (trend and earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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