OceanFirst Financial (OCFC)
Market Price (2/23/2026): $19.335 | Market Cap: $1.1 BilSector: Financials | Industry: Regional Banks
OceanFirst Financial (OCFC)
Market Price (2/23/2026): $19.335Market Cap: $1.1 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.2%, FCF Yield is 8.1% | Trading close to highsDist 52W High is -4.2% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.7% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 25%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23% | Weak multi-year price returns2Y Excs Rtn is -5.2%, 3Y Excs Rtn is -75% | Key risksOCFC key risks include [1] significant exposure to commercial real estate, Show more. |
| Low stock price volatilityVol 12M is 31% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.2%, FCF Yield is 8.1% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 25%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23% |
| Low stock price volatilityVol 12M is 31% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Trading close to highsDist 52W High is -4.2% |
| Weak multi-year price returns2Y Excs Rtn is -5.2%, 3Y Excs Rtn is -75% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.7% |
| Key risksOCFC key risks include [1] significant exposure to commercial real estate, Show more. |
Qualitative Assessment
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OceanFirst Financial (OCFC) stock has gained about 10% since 10/31/2025 because of the following key factors:
1. Anticipation of Strong Operational Performance in Q4 2025.
The stock's upward movement was likely fueled by market anticipation of robust operational results for the fourth quarter of 2025. OceanFirst Financial had demonstrated a trend of consistent net interest income growth, and strong loan and deposit growth in previous quarters, which the market expected to continue. The company later confirmed strong Q4 2025 results in January 2026, including a fifth consecutive quarter of net interest income growth, a significant increase in net interest income, and record quarterly loan growth of $474 million.
2. Positive Analyst Sentiment and Price Targets.
Analysts maintained a generally positive outlook on OceanFirst Financial during this period. While a consensus rating of "Hold" was observed, a notable percentage of analysts recommended "Buy," and the average one-year price target of approximately $21.33 indicated potential upside from the stock's trading levels at the beginning of the period. This favorable analyst sentiment likely contributed to investor confidence and buying interest.
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1. Anticipation of Strong Operational Performance in Q4 2025.
The stock's upward movement was likely fueled by market anticipation of robust operational results for the fourth quarter of 2025. OceanFirst Financial had demonstrated a trend of consistent net interest income growth, and strong loan and deposit growth in previous quarters, which the market expected to continue. The company later confirmed strong Q4 2025 results in January 2026, including a fifth consecutive quarter of net interest income growth, a significant increase in net interest income, and record quarterly loan growth of $474 million.
2. Positive Analyst Sentiment and Price Targets.
Analysts maintained a generally positive outlook on OceanFirst Financial during this period. While a consensus rating of "Hold" was observed, a notable percentage of analysts recommended "Buy," and the average one-year price target of approximately $21.33 indicated potential upside from the stock's trading levels at the beginning of the period. This favorable analyst sentiment likely contributed to investor confidence and buying interest.
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Stock Movement Drivers
Fundamental Drivers
The 8.7% change in OCFC stock from 10/31/2025 to 2/22/2026 was primarily driven by a 17.9% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2222026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.79 | 19.34 | 8.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 385 | 391 | 1.6% |
| Net Income Margin (%) | 22.7% | 20.4% | -10.3% |
| P/E Multiple | 11.7 | 13.8 | 17.9% |
| Shares Outstanding (Mil) | 58 | 57 | 1.2% |
| Cumulative Contribution | 8.7% |
Market Drivers
10/31/2025 to 2/22/2026| Return | Correlation | |
|---|---|---|
| OCFC | 8.7% | |
| Market (SPY) | 1.1% | 35.4% |
| Sector (XLF) | 0.2% | 40.6% |
Fundamental Drivers
The 19.3% change in OCFC stock from 7/31/2025 to 2/22/2026 was primarily driven by a 36.3% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2222026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.22 | 19.34 | 19.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 379 | 391 | 3.2% |
| Net Income Margin (%) | 24.5% | 20.4% | -16.8% |
| P/E Multiple | 10.1 | 13.8 | 36.3% |
| Shares Outstanding (Mil) | 58 | 57 | 1.9% |
| Cumulative Contribution | 19.3% |
Market Drivers
7/31/2025 to 2/22/2026| Return | Correlation | |
|---|---|---|
| OCFC | 19.3% | |
| Market (SPY) | 9.4% | 38.7% |
| Sector (XLF) | 0.6% | 49.6% |
Fundamental Drivers
The 14.0% change in OCFC stock from 1/31/2025 to 2/22/2026 was primarily driven by a 48.5% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2222026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.97 | 19.34 | 14.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 384 | 391 | 1.8% |
| Net Income Margin (%) | 27.6% | 20.4% | -26.0% |
| P/E Multiple | 9.3 | 13.8 | 48.5% |
| Shares Outstanding (Mil) | 58 | 57 | 1.8% |
| Cumulative Contribution | 14.0% |
Market Drivers
1/31/2025 to 2/22/2026| Return | Correlation | |
|---|---|---|
| OCFC | 14.0% | |
| Market (SPY) | 15.6% | 54.2% |
| Sector (XLF) | 3.0% | 59.1% |
Fundamental Drivers
The -5.7% change in OCFC stock from 1/31/2023 to 2/22/2026 was primarily driven by a -31.8% change in the company's Net Income Margin (%).| (LTM values as of) | 1312023 | 2222026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.51 | 19.34 | -5.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 388 | 391 | 0.9% |
| Net Income Margin (%) | 29.9% | 20.4% | -31.8% |
| P/E Multiple | 10.4 | 13.8 | 33.2% |
| Shares Outstanding (Mil) | 59 | 57 | 2.9% |
| Cumulative Contribution | -5.7% |
Market Drivers
1/31/2023 to 2/22/2026| Return | Correlation | |
|---|---|---|
| OCFC | -5.7% | |
| Market (SPY) | 75.9% | 46.0% |
| Sector (XLF) | 50.1% | 64.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| OCFC Return | 23% | -1% | -14% | 9% | 4% | 8% | 29% |
| Peers Return | 30% | -6% | -6% | 7% | 7% | 16% | 53% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 0% | 83% |
Monthly Win Rates [3] | |||||||
| OCFC Win Rate | 50% | 42% | 42% | 50% | 50% | 100% | |
| Peers Win Rate | 65% | 40% | 48% | 50% | 47% | 90% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| OCFC Max Drawdown | -3% | -16% | -40% | -17% | -18% | -4% | |
| Peers Max Drawdown | -2% | -19% | -37% | -25% | -18% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PFS, WSFS, UBSI, DCOM, KRNY.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/20/2026 (YTD)
How Low Can It Go
| Event | OCFC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -50.5% | -25.4% |
| % Gain to Breakeven | 101.9% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -52.8% | -33.9% |
| % Gain to Breakeven | 112.0% | 51.3% |
| Time to Breakeven | Not Fully Recovered days | 148 days |
| 2018 Correction | ||
| % Loss | -33.3% | -19.8% |
| % Gain to Breakeven | 49.9% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -66.8% | -56.8% |
| % Gain to Breakeven | 201.6% | 131.3% |
| Time to Breakeven | 2,804 days | 1,480 days |
Compare to PFS, WSFS, UBSI, DCOM, KRNY
In The Past
OceanFirst Financial's stock fell -50.5% during the 2022 Inflation Shock from a high on 2/7/2023. A -50.5% loss requires a 101.9% gain to breakeven.
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About OceanFirst Financial (OCFC)
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing demand deposits, and time deposits to retail, government, and business customers. The company also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, overdraft line of credit, loans on savings accounts, and other consumer loans. In addition, it invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, the company offers bankcard, wealth management, and trust and asset management services; and sells alternative investment products and life insurance products. As of December 31, 2021, it operated through its branch office in Toms River; administrative office located in Red Bank and Mount Laurel; 46 additional branch offices and four deposit production facilities located throughout central and southern New Jersey; and commercial loan production offices in New Jersey, New York City, the Philadelphia area, Baltimore, and Boston. The company was founded in 1902 and is based in Red Bank, New Jersey.
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Here are 1-3 brief analogies for OceanFirst Financial (OCFC):
- OceanFirst Financial is like JPMorgan Chase, but scaled for the Mid-Atlantic region.
- It's similar to Bank of America for New Jersey, New York, and Pennsylvania.
- Think of it as a community-bank version of Wells Fargo.
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```html- Deposit Products: Provides a variety of checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Lending Products: Offers a range of loans including residential mortgages, commercial real estate, commercial and industrial, and consumer loans.
- Wealth Management Services: Delivers financial planning, investment management, and trust services to help clients manage and grow their assets.
AI Analysis | Feedback
OceanFirst Financial (OCFC), through its subsidiary OceanFirst Bank, operates as a community bank primarily serving a broad and diverse customer base consisting of individuals, small to medium-sized businesses, and commercial real estate clients. Unlike companies that sell products or services to a few large corporate clients, a bank's revenue is derived from interest income on a vast portfolio of loans and investments, and fees for various banking services from thousands of account holders. Therefore, it does not have "major customers" in the traditional sense that can be specifically named and publicly identified.
Instead, its customer base can be described through the following categories:
- Individuals and Households: This category encompasses consumers who utilize OceanFirst Bank for a range of personal banking services including checking and savings accounts, certificates of deposit (CDs), residential mortgages, home equity loans, personal loans, and wealth management services.
- Small to Medium-sized Businesses: Local and regional enterprises, ranging from sole proprietorships to mid-sized corporations, that rely on the bank for commercial loans (e.g., lines of credit, term loans, SBA loans), business checking and savings accounts, treasury management services, and merchant services.
- Commercial Real Estate Clients: This segment includes individual investors, developers, and businesses involved in commercial real estate. They seek financing for the acquisition, development, construction, or refinancing of various commercial properties such as multi-family residences, office buildings, retail spaces, and industrial facilities.
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Christopher D. Maher, Chairman and Chief Executive Officer
Mr. Maher has served as Chairman and Chief Executive Officer of OceanFirst Financial Corp. and OceanFirst Bank N.A. since 2017. He joined OceanFirst Bank in 2013 as President and Chief Operating Officer and was appointed to the Board of Directors in 2014. Prior to joining OceanFirst, Mr. Maher served as President and Chief Executive Officer of Patriot National Bancorp (2010-2013), and Patriot Bank NA (2011-2013). He previously held positions as Executive Vice President of Dime Savings Bank of Williamsburg, Senior Vice President Information Services of BISYS, and Managing Director Banking Strategy of Fidelity National Information Services. Mr. Maher also served as a Director of the Federal Reserve Bank of Philadelphia from 2020 to 2024.
Patrick S. Barrett, Senior Executive Vice President & Chief Financial Officer
Mr. Barrett was appointed Executive Vice President and Chief Financial Officer of OceanFirst Financial Corp. on June 2, 2022. Before joining OceanFirst, he was Executive Vice President and Chief Financial Officer of First Midwest Bancorp, Inc. from January 2017 to April 2022. First Midwest Bancorp, Inc. completed a merger of equals with Old National Bancorp. Prior to First Midwest Bancorp, Inc., Mr. Barrett served as Chief Financial Officer at Fulton Financial Corp. Inc. His career, spanning over 30 years, also includes leadership positions at SunTrust Banks, JPMorgan Chase, and Deloitte.
Joseph J. Lebel III, President & Chief Operating Officer
Mr. Lebel was appointed President and Chief Operating Officer of OceanFirst Bank on January 1, 2021, and Executive Vice President and Chief Operating Officer of OceanFirst Financial Corp. in June 2020. He joined OceanFirst in 2006 as Senior Vice President in charge of Commercial Lending. Before OceanFirst, Mr. Lebel was employed with Wachovia Bank N.A. as a Senior Vice President, holding various leadership and revenue-generating roles.
Steven J. Tsimbinos, Senior Executive Vice President & General Counsel & Corporate Secretary
Mr. Tsimbinos was appointed Executive Vice President, General Counsel and Corporate Secretary of OceanFirst Financial Corp. and the Bank in 2016. He previously held these roles as First Senior Vice President since 2010. Prior to joining OceanFirst, Mr. Tsimbinos served as General Counsel of Copper River Management, L.P. since 2006, and was a partner with Lowenstein Sandler PC before that.
Michele B. Estep, Senior Executive Vice President & Chief Administrative Officer
Ms. Estep was appointed Executive Vice President and Chief Administrative Officer of OceanFirst Bank in January 2020. She joined OceanFirst with the acquisition of Sun Bancorp Inc. Prior to OceanFirst, Ms. Estep was the Executive Vice President and Chief Administrative Officer of Sun National Bank. She also held leadership roles at KeyBank.
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The key risks to OceanFirst Financial (OCFC) are:
- Interest Rate Risk and Net Interest Margin Pressure: OceanFirst Financial faces significant challenges from changes in interest rates, which directly impact its net interest income. The company has struggled with spread pressure due to higher funding costs, and its net interest margins have been negatively affected by the "higher-for-longer" rate cycle. The bank's profitability is largely dependent on net interest income, and the imbalance between shorter-term interest-bearing liabilities and longer-term interest-earning assets creates earnings volatility when market interest rates fluctuate.
- Commercial Real Estate (CRE) Exposure and Credit Quality: OceanFirst has substantial exposure to commercial real estate loans, which represents a notable risk to the business. The bank's investor CRE exposure was approximately 365% of total risk-based capital at the end of 2024, with office lending constituting 10% of its loan portfolio. Although credit quality has historically been strong, and a portion of their office portfolio is in less-stressed medical offices, the overall concentration in CRE, particularly in the current environment, remains a "watch item."
- Regulatory Scrutiny and Compliance: OceanFirst has recently faced significant regulatory issues, including a settlement of over $15 million with the Department of Justice for "redlining" allegations between 2018 and 2022. This resulted in the Office of the Comptroller of the Currency (OCC) downgrading the bank's Community Reinvestment Act (CRA) rating to "needs to improve." Regulatory delays were also cited as a reason for the termination of a planned merger in 2022, indicating ongoing challenges in the regulatory environment.
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The increasing competition from digital-only banks and financial technology (fintech) companies, which leverage lower overhead and often different regulatory frameworks to offer more competitive rates, lower fees, and superior digital experiences, poses a clear emerging threat to traditional banking models like OceanFirst Financial. These competitors are actively attracting deposits and disintermediating traditional lenders in various loan markets.
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OceanFirst Financial (symbol: OCFC) operates as a regional bank holding company primarily offering commercial and consumer banking services in New Jersey, the Philadelphia metropolitan area, New York City, Baltimore, Boston, and Washington D.C.. The addressable markets for their main products and services in the U.S. are as follows:
- Retail Banking: The U.S. retail banking market is valued at approximately USD 0.87 trillion (USD 870 billion) in 2025 and is projected to reach USD 1.08 trillion by 2030, growing at a compound annual growth rate (CAGR) of 4.22% during this period.
- Commercial Lending: The U.S. commercial banking market size is estimated at USD 732.5 billion in 2025 and is projected to reach USD 915.45 billion by 2030, reflecting a CAGR of 4.56%. Commercial lending constituted 44.34% of the U.S. commercial banking market share in 2024. Based on this, the addressable market for commercial lending in the U.S. would be approximately USD 324.7 billion in 2025 (44.34% of USD 732.5 billion).
- Wealth Management: The U.S. private banking market, which encompasses wealth management services, is projected to grow from USD 127.6 billion in 2025 to USD 218.4 billion by 2032, at a CAGR of 8.0%.
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OceanFirst Financial (OCFC) is expected to drive future revenue growth over the next 2-3 years through several key initiatives:
- Growth in Commercial and Industrial (C&I) Lending: The company has a strategic focus on expanding its commercial loan portfolio. In the third quarter of 2025, commercial and industrial lending increased by 12%, contributing to $1 billion in loan originations for the quarter. Management projects an annualized loan growth of 7% to 9% for 2026, predominantly fueled by C&I growth. This ongoing emphasis on commercial banking relationships is expected to continue driving revenue.
- Expansion of the Premier Banking Team and Deposit Gathering: OceanFirst's newly established Premier banking teams are a significant driver for attracting new deposits. These teams contributed $128 million in new deposits in Q3 2025 and are on track to achieve the company's $500 million deposit target for 2025. Growing deposits in line with loans is anticipated to maintain a stable loan-to-deposit ratio and support continued growth in earning assets.
- Net Interest Income (NII) Expansion and Margin Improvement: Management anticipates positive expansion in net interest income, consistent with or exceeding loan growth. While some short-term margin compression is expected in Q4 2025 due to seasonality and restructuring, the CFO indicated that potential interest rate cuts in 2026 could drive the Net Interest Margin (NIM) trajectory above 3% by mid-2026. The company reported a fourth consecutive quarter of growth of net interest income in Q3 2025.
- Cost Savings and Efficiency from Residential Lending Outsourcing: OceanFirst made a strategic decision to outsource its residential loan originations and underwriting functions. This initiative, while incurring restructuring charges in the short term, is projected to result in a $10 million annual pre-tax operating benefit starting in 2026, thereby improving operating leverage and overall earnings. Improved efficiency and reduced operating expenses can indirectly contribute to stronger net revenue.
- Geographic Diversification: The company is actively expanding its presence in key Northeast markets, including New York City, Philadelphia, and Boston, moving beyond its traditional New Jersey roots. This geographic diversification supports the growth in commercial lending and specialized banking services by reaching new customer bases.
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Share Repurchases
- In 2024, OceanFirst Financial repurchased 1,383,238 shares of its common stock totaling $21.5 million.
- For the six months ended June 30, 2025, the Company repurchased 1,401,945 shares of common stock for $24.3 million.
- On July 16, 2025, the Board of Directors authorized a new 2025 Stock Repurchase Program for up to 3 million shares, which is approximately 5% of its outstanding common stock and is incremental to the existing 2021 program. As of September 30, 2025, 3,226,284 shares remained available for repurchase under authorized programs.
Share Issuance
- On October 27, 2025, OceanFirst Financial Corp. priced a public offering of $185.0 million aggregate principal amount of 6.375% Fixed-to-Floating Rate Subordinated Notes due 2035.
- The estimated net proceeds of approximately $181.9 million from this offering are intended to qualify as Tier 2 capital and will be used to repay existing indebtedness, including redeeming $125.0 million of 5.25% subordinated notes due May 15, 2030, and to support subsidiary growth initiatives.
Outbound Investments
- Effective January 1, 2020, OceanFirst Financial Corp. completed the acquisitions of Two River Bancorp for approximately $183 million and Country Bank Holding Company, Inc. for approximately $102.2 million, significantly expanding its footprint.
- In August 2024, OceanFirst acquired Garden State Home Loans, which now operates as a division of OceanFirst Bank.
- Shortly after the Garden State Home Loans acquisition, OceanFirst acquired Spring Garden Capital Group, LLC, a firm focused on funding affordable and workforce housing.
Capital Expenditures
- OceanFirst has been strategically investing in its commercial loan portfolio and expanding its geographic presence.
- The second quarter of 2025 was characterized as an "investment quarter," involving the addition of Commercial & Industrial (C&I) bankers, the launch of the Premier Bank initiative, and the opening of new commercial banking offices and branches.
- The company is making ongoing digital initiatives and technology investments to enhance operating leverage and engage with tech-savvy customer demographics.
Latest Trefis Analyses
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Trade Ideas
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| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -19.1% | -19.1% | -23.8% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.6% | -7.6% | -9.2% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -22.6% | -22.6% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -23.9% | -23.9% | -26.8% |
| 01022026 | ABR | Arbor Realty Trust | Special | Short Squeeze PotentialShort Squeeze PotentialHas potential for a short squeeze. High short interest, rising short interest and high debt. | -2.9% | -2.9% | -6.7% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 28.68 |
| Mkt Cap | 2.2 |
| Rev LTM | 621 |
| Op Inc LTM | - |
| FCF LTM | 221 |
| FCF 3Y Avg | 172 |
| CFO LTM | 228 |
| CFO 3Y Avg | 179 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.6% |
| Rev Chg 3Y Avg | 3.3% |
| Rev Chg Q | 11.2% |
| QoQ Delta Rev Chg LTM | 2.7% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 33.3% |
| CFO/Rev 3Y Avg | 28.9% |
| FCF/Rev LTM | 32.1% |
| FCF/Rev 3Y Avg | 27.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.2 |
| P/S | 3.6 |
| P/EBIT | - |
| P/E | 14.2 |
| P/CFO | 12.1 |
| Total Yield | 8.0% |
| Dividend Yield | 2.1% |
| FCF Yield 3Y Avg | 8.9% |
| D/E | 0.7 |
| Net D/E | -0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 6.7% |
| 3M Rtn | 22.7% |
| 6M Rtn | 17.1% |
| 12M Rtn | 27.0% |
| 3Y Rtn | 19.3% |
| 1M Excs Rtn | 3.6% |
| 3M Excs Rtn | 24.2% |
| 6M Excs Rtn | 13.9% |
| 12M Excs Rtn | 9.2% |
| 3Y Excs Rtn | -48.5% |
Price Behavior
Price Behavior
| Market Price | $19.34 | |
| Market Cap ($ Bil) | 1.1 | |
| First Trading Date | 07/03/1996 | |
| Distance from 52W High | -4.2% | |
| 50 Days | 200 Days | |
| DMA Price | $18.92 | $17.77 |
| DMA Trend | up | up |
| Distance from DMA | 2.2% | 8.9% |
| 3M | 1YR | |
| Volatility | 29.0% | 31.5% |
| Downside Capture | 57.59 | 89.15 |
| Upside Capture | 83.41 | 89.36 |
| Correlation (SPY) | 31.4% | 54.4% |
OCFC Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.48 | 1.24 | 1.17 | 1.24 | 0.92 | 1.17 |
| Up Beta | 5.95 | 4.28 | 2.34 | 2.44 | 0.82 | 1.22 |
| Down Beta | 1.20 | 0.69 | 0.78 | 0.97 | 0.97 | 0.93 |
| Up Capture | 92% | 79% | 109% | 107% | 91% | 136% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 9 | 20 | 29 | 63 | 115 | 348 |
| Down Capture | 10% | 113% | 99% | 91% | 100% | 108% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 20 | 30 | 60 | 133 | 396 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with OCFC | |
|---|---|---|---|---|
| OCFC | 11.7% | 31.4% | 0.37 | - |
| Sector ETF (XLF) | 1.6% | 19.4% | -0.04 | 60.1% |
| Equity (SPY) | 13.5% | 19.4% | 0.53 | 54.5% |
| Gold (GLD) | 74.5% | 25.6% | 2.15 | -2.6% |
| Commodities (DBC) | 7.2% | 16.9% | 0.25 | 13.1% |
| Real Estate (VNQ) | 7.1% | 16.7% | 0.24 | 45.0% |
| Bitcoin (BTCUSD) | -29.7% | 44.9% | -0.65 | 18.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with OCFC | |
|---|---|---|---|---|
| OCFC | 3.1% | 34.1% | 0.16 | - |
| Sector ETF (XLF) | 12.6% | 18.7% | 0.54 | 63.4% |
| Equity (SPY) | 13.4% | 17.0% | 0.62 | 45.3% |
| Gold (GLD) | 22.6% | 17.1% | 1.08 | -1.3% |
| Commodities (DBC) | 10.9% | 19.0% | 0.46 | 11.2% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 42.3% |
| Bitcoin (BTCUSD) | 7.4% | 57.1% | 0.35 | 14.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with OCFC | |
|---|---|---|---|---|
| OCFC | 5.4% | 33.5% | 0.24 | - |
| Sector ETF (XLF) | 14.7% | 22.2% | 0.61 | 65.8% |
| Equity (SPY) | 16.1% | 17.9% | 0.77 | 49.3% |
| Gold (GLD) | 14.8% | 15.6% | 0.79 | -5.5% |
| Commodities (DBC) | 8.6% | 17.6% | 0.40 | 17.8% |
| Real Estate (VNQ) | 7.0% | 20.7% | 0.30 | 46.2% |
| Bitcoin (BTCUSD) | 68.0% | 66.7% | 1.07 | 13.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/22/2026 | -3.7% | -3.0% | |
| 10/22/2025 | -5.9% | -1.1% | -9.1% |
| 7/24/2025 | -2.6% | -6.2% | 3.3% |
| 4/24/2025 | 0.3% | 1.0% | 1.9% |
| 1/23/2025 | -1.8% | -5.8% | -7.4% |
| 10/17/2024 | -1.9% | -7.6% | 6.5% |
| 7/18/2024 | -4.8% | 0.5% | -8.5% |
| 4/18/2024 | 4.0% | 4.4% | 11.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 15 | 12 |
| # Negative | 15 | 10 | 12 |
| Median Positive | 2.5% | 2.5% | 7.3% |
| Median Negative | -3.2% | -6.0% | -5.3% |
| Max Positive | 7.8% | 12.3% | 20.8% |
| Max Negative | -7.5% | -12.0% | -17.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/04/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 10/31/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/23/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/01/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
| 12/31/2021 | 02/28/2022 | 10-K |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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