OceanFirst Financial (OCFC) stock

Bank deposits and loans , market cap $1.8B

Bank deposits and loans

Worth $1.8B

$18.05

-1.18%

As of 10:26 AM ET, delayed 15+ min · Live for Pro members

Quality Score

Average

In its industry

#111of 168

Banks

Checks firing

1of 14

Trending down

From 52-week high

-12.4%

under its best in a year

OCFC's Quality Score fell 1 point on Tue, Nov 10, to 7.

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Why OCFC rose on Oct 28

Up 6% on Oct 28, and still 10% over its Oct 27 close.

“Net interest income increased to $172.1 million, from $90.7 million, reflecting the net impact of the acquisition of Flushing and the interest rate environment.”

OceanFirst Financial's Oct 27 release said

Sources: Price history, Oct 28, 2026; Company release, Oct 27, 2026

1 more reason, free with an account →3 more reasons why OCFC rose on Oct 28, from its filings, with the other side, the company's words, the timeline, and its peers, for Pro members.

Why OCFC still lags the market over five years

Up 3% over the five years to Nov 9 while the S&P 500 rose 72%; up 6% on Oct 28.

2 reasons, from its filings, with the timeline and its peers, for Pro members.

Key facts on OCFC

Key facts on OCFC
Holding it back	21.7% more shares than a year ago
Latest filing	10-Q, Nov 6 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind OCFC's 7, free with an account →3 more reasons behind OCFC's 7, for Pro members.

OCFC in the news

Wed Oct 28OceanFirst Financial reported diluted EPS of $0.17 SEC, 5:02 PM ET OCFC closed +6.1% that day.

What moves banks

Rate gap, 10-year minus 2-year+0.32 pt0.00 ptMon Nov 9in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Mon Nov 9. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

OCFC catalysts

Coming up

After its last 4 reports it closed +0.2% on average, higher 2 of 4 times.

5 past catalysts since 2026, with sizes and sources, for Pro members.

Why OCFC scores 7

Averagefor quality, not price, 1 of 14 chart checks firingWhat the Quality Score means

Well above its recent run. OCFC scores 7 today, against a median of 0 over its last 20 recorded sessions.

+2Long-term trend at a flat or falling 200-⁠day average, near its 52-⁠week high
+3Insider trades Patrick Sean Barrett (Senior EVP & CFO) bought $90K on Oct 30. 3 insiders buying

Chart checks adds
Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
Dilution subtractsNew shares over the year: -1 at 10% more, -2 at 25% more.

No effect today: Run-up, Size, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on OCFC and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:26 AM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when OCFC's Quality Score turns up

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How OCFC ranks in Banks

OCFC is #111 of 168 by Quality Score.

How OCFC ranks in Banks
Rank	Stock	Checks	Quality Score
1	AMTBAmerant Bancorp	9/14	16
2	TMPTompkins Financial	6/14	16
3	DCOMDime Commercial Bancshares	7/14	16
	NWBINorthwest Bancshares		Open for its score
	NWGNatWest		Open for its score
	ONBOld National Bancorp		Open for its score
	OSBCOld Second Bancorp		Open for its score
111	OCFCOceanFirst Financial	1/14	7

When does OCFC report earnings, and what happens after?

Expected to report Thu Jan 28, after the close (in 79 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What OCFC reported on Oct 27, 2026

The quarter

A profit of $0.17 a share, from $0.30.

“Net interest income increased to $172.1 million, from $90.7 million, reflecting the net impact of the acquisition of Flushing and the interest rate environment.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

OCFC's results filing gives no sales by line in a table we read.

The outlook

The outlook the company gave, by period
Measure	Figure
Q4-26 and Q1-27
Loans growth	about 1% to 2%

Figures as filed (SEC filing, Oct 27)

5 more outlook lines, for Pro members.

In the company's words

“With the completion of the core conversion and substantially all major integration activities, the Company expects to resume excess capital accretion in the fourth quarter of 2026.”

From its results filing (SEC filing · Oct 27)

The numbers

Market value: $1.8B; today

No analyst estimates on Breakaway: every figure here is filed.

The whole report on OCFC: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+0.1%-1.7%+6.1%

Apr 23Jul 30Oct 27

Reported	When	Gap	Reaction	5 days
Oct 27, 2026After close	After close	+3.0%	+6.1%	+10.0%
Jul 30, 2026After close	After close	-3.1%	-1.7%	-0.6%
Apr 23, 2026After close	After close	+0.1%	+0.1%	+0.1%

OCFC closed higher after 2 of its last 4 reports.

All 4 reports, and OCFC's Quality Score going into each

OCFC has 1 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on OCFC, and all 14 on every stock.Get in free →

OCFC RSI today: 56.7, above its 50-day, below its 200-day

Not scored

RSI 56.7, MACD above signal, above its 50-day, below its 200-day. Not scored.13 readings

The deep dive on OCFC

What it does and how it makes money1 findingFor Pro members1 finding on what OCFC does and how it makes money, for Pro members
Where it stands1 findingIts share count rose 71.9% in the year to Sep 30, 2026, and 66% in three years.Weighted shares, the quarter to Sep 30, 2026
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades OCFC, for Pro members

3 more findings on OCFC, each with its source, for Pro members.

Is OCFC's dividend covered? What its financials say

Its dividends come to 36% of its free cash flow.

OCFC's dividend against its free cash flow
Dividend	$0.80 a share a year Paid 4 times a year
Paid out	About $77.4M a year $0.80 a share on 96.7M shares, the count on its cover page as of Nov 2, 2026
Free cash flow	$218M The last four quarters, to Sep 30, 2026

OCFC insider trades

3 insiders bought $278K across 3 filings, and 2 insiders sold $2.3M across 2 filings, in the last 6 months. The newest:

BuyJack M. Farris$10KDirectorat $18.47 on Nov 3, filed Nov 3

BuyJack M. FarrisDirector$10Kat $18.47 on Nov 3, filed Nov 3

All 5 insider filings on OCFC from the last six months, for Pro members.

All OCFC insider trades

OCFC's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Christopher MaherChairman and CEO · no trades on file
Patrick Sean BarrettSenior EVP & CFO · 1 trade
David BerningerSenior EVP & CRO · no trades on file
Joseph Lebel IIISenior EVP and COO · no trades on file
Steven James TsimbinosSenior EVP & Corp. Secretary · no trades on file
Jack M. FarrisDirector · 1 trade
John R. BuranDirector · 1 trade
Nicos KatsoulisDirector · 1 trade

14 more officers and directors file at OCFC.

See insider trades by person

Which ETFs hold OCFC?

In ETFs: OCFC is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.

About OceanFirst Financial

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.

954 employeesToms River, NJoceanfirst.com

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A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
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What would move OCFC's score: 7 things
1 more filing explained, a plain line each
Real-⁠time prices, no delay

BreakawayNov 3Jack M. Farris bought OCFC$10K at $18.46, filed Nov 3

Alerts are optional.

See OCFC's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: OCFC's Quality Score is 7 (Average), #111 of 168 in Banks. Insiders bought $278K and sold $2.3M in the last 6 months (Form 4).

What does OCFC's Quality Score say?

OCFC scores 7 today, which Breakaway calls Average. It is #111 of 168 in Banks by Quality Score, with 1 of 14 chart checks firing. Up 6% on Oct 28, and still 10% over its Oct 27 close. Shares: 71.9% more than a year ago (to Sep 30). Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is OCFC's Quality Score?

OCFC scores 7 today, which Breakaway calls Average (6 to 10). That is #111 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind OCFC's 7.

Are insiders buying OCFC?

3 insiders bought $278K across 3 filings, and 2 insiders sold $2.3M across 2 filings, in the last 6 months. The newest is Jack M. Farris, Director, who bought $10K on Nov 3. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.