OceanFirst Financial Corp. (OCFC)

In Q2 2025, OceanFirst reported net income of $16.2 million, with key highlights including loan growth and an improved net interest margin. In Q3 2025, the company posted EPS of $0.36, exceeding expectations. OceanFirst declared its 114th consecutive quarterly dividend of $0.20 per share. During Q2 2025, OCFC repurchased shares and redeemed preferred stock. The Board of Directors authorized a stock repurchase program. The stock has a consensus rating of "Moderate Buy" based on analyst recommendations.

OceanFirst Financial Corp. faces significant end-market challenges, with sales declining annually. Net interest income growth has been muted. While Seeking Alpha displays mean and median monthly returns for OCFC to identify seasonal patterns, detailed information about demand seasonality for its specific products and services is not explicitly provided.

OceanFirst Financial Corp. operates as a bank holding company for OceanFirst Bank N.A., providing community banking services. The company offers a variety of deposit products, commercial and industrial loans, commercial real estate loans, mortgage loans, and wealth management services. OceanFirst also invests in mortgage-backed securities and securities issued by the U.S. government.

OceanFirst Financial Corp. operates through OceanFirst Bank N.A., with branches primarily located across New Jersey, the Philadelphia metropolitan area, and New York City. It has a main branch in Toms River, administrative offices in Red Bank and Mount Laurel, additional branch offices, and deposit production facilities throughout central and southern New Jersey. Commercial loan production offices are located in multiple states, complemented by digital banking platforms.

OceanFirst Financial Corp. maintains a strong market share and brand recognition in its core operating regions. The company emphasizes a relationship-centric banking model and supports the community through the OceanFirst Foundation. KBRA affirmed OceanFirst Financial Corp.'s ratings, recognizing its evolution into a diversified regional commercial bank.

OceanFirst Financial Corp. has a diverse ownership base, primarily composed of institutional investors, individual shareholders, and company insiders. Key institutional holders include BlackRock, Inc. and The Vanguard Group, Inc. Individual insiders hold approximately 3.63% of the shares, while the general public holds about 18.9%.