OceanFirst Financial Corp. (OCFC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$19.01+3.65%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · OCFC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -34.4% |
| Our one-year growth estimate | diamond | 4.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 38.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
OCFC — dividend update
Dated 2026-10-27
OTHER EVENTS In the press release described in Item 2.02, the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on November 20, 2026 to the stockholders of record at the close of business on November 9, 2026.
Why it matters: Loans and deposits both grew in Q3. Continued growth would support OceanFirst's plan to expand its core business.
Supportive ifQ4 loans and deposits both rise from Q3 levels of $16.49 billion and $18.1 billion.
Worry ifQ4 loans or deposits fall below Q3 levels, reversing the reported growth.
Why it matters: Q3 loan charge-offs were low, but loan growth and the Flushing merger add to the combined book. Higher losses would weaken the stable credit picture.
Worry ifQ4 annualized net loan charge-offs rise above 0.10% of average loans, more than twice Q3's 0.04%.
Less concerning ifQ4 annualized net loan charge-offs stay at or below 0.05%, near Q3's 0.04%.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$82 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $250 loss on $10,000 · 2.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,286 loss on $10,000 · 22.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.