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STBA (66) FSUN (63) RBCAA (65) DCOM (70) ⌘ Pro Terminal β†’

OceanFirst Financial Corp. (OCFC) Dividend Safety Gauge & 10-Year DRIP Compounder

$18.34 -1.77% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.25

OceanFirst Financial Corp. (OCFC) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ β€’ SELL / AVOID Cap $1.84B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OCFC Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is OCFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, OceanFirst Financial Corp. (NASDAQ: OCFC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $18.34 (-1.77% 1D, market cap $1.84B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, OCFC ranks #549 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does OCFC compare to STBA and FSUN in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), OCFC carries a Roarable D+ (54/100 RQD), trailing P/E of 26.1x, gross margin of β€”, and ROIC of 4.0%. By comparison, STBA (S&T Bancorp Inc.) holds a C+ grade (66/100 RQD, P/E 13.4x, ROIC 9.2%, cap $1.83B) and FSUN (FirstSun Capital Bancorp) posts a C grade (63/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.83B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OCFC?
β–Ό

Per OCFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001004702), OceanFirst Financial Corp. generated $6.12B in revenue (+8.5% YoY), $67.1M in net income, and $79.5M in free cash flow against $14.56B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $18.25 (-0.51%)🧬 Cannibal Buyback (-1.52% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 1.3% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY β€’ 51.0% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510054
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ Β· Rk D
Cash (11)Whales (11)SEC (13)Macro (6)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
$22 Bull$18 Base$14 Bear
πŸ“¬ FREE OCFC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for OCFC)Realized 20D OHLCV Swing Band: Β±5%
Deterministic 5-Pillar Attribution (54/100 Composite)
πŸ” WHY OCFC SCORES 54/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy β€’ Cannibal Buyback (-1.52% YoY Shares)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (71.9) create a -14 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
46
Grade D$15.75+2.2% Next Q
Q2 (-2Q)
49
Grade D$16.10+9.8% Next Q
Q3 (-1Q)
51
Grade C-$17.68+3.7% Next Q
Current
54
Grade D+$18.34-0.7% Hist 90D Ξ±
Trajectory: D (46) β†’ D+ (54)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a OCFC Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While OCFC currently carries a cautious 54/100 (D+) rating due to Macro Regime Fit (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($17.45) and Max Pain ($19.26) forces dealer call-delta covering toward $21.64.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OCFCβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œOCFC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 54%NO 46%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
4.55% Total Yield
2.75% Cash ($0.50/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 β€’ FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
39.5% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $24,782

Est. Year-10 Shareholder Yield: $1,128/yr
$10.9K
Yr 1
$12.0K
Yr 2
$13.1K
Yr 3
$14.4K
Yr 4
$15.7K
Yr 5
$17.2K
Yr 6
$18.9K
Yr 7
$20.7K
Yr 8
$22.6K
Yr 9
$24.8K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OCFC)

  • βœ“Walkthrough of OCFC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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OCFC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.73%⚑ TESTING RESISTANCE
2026-11-04O $17.94H $18.67L $17.94C $18.34VOL 1.51M
RES: $18.55SUP: $15.38SMA50: $17.45SMA200: $18.47
$20.66$19.29$17.92$16.55$15.17RES $18.55SUP $15.38$18.342026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OCFC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ OCFC Butterfly Map β†’ + Track OCFC β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
19.7%/yr Implied 5Y Growth

vs. +8.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on OCFC today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for OCFC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OCFC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OCFC)

Financials Rank #549 of 1097 βš”οΈ STBA vs OCFC Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (OCFC vs. STBA, FSUN, RBCAA, DCOM)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, OceanFirst Financial Corp. (OCFC) ranks #549 by composite RQD confidence (54/100, grade D+) and #440 by equity capitalization ($1.84B). Within this direct 5-issuer industry benchmark cohort, STBA leads on earnings valuation at 13.4x trailing P/E, while RBCAA leads on capital efficiency and profitability with 11.9% ROIC and β€” gross margin. DCOM currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with OCFC at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
OCFC ACTIVE
OceanFirst Financial Corp.
D+ 54/100 26.1x β€” 4.0% -1.77% $1.84B Benchmark Subject
STBA
S&T Bancorp Inc.
C+ 66/100 13.4x β€” 9.2% -1.46% $1.83B /stba-vs-ocfc β†’
FSUN
FirstSun Capital Bancorp
C 63/100 18.3x β€” 8.5% -0.35% $1.83B /fsun-vs-ocfc β†’
RBCAA
Republic Bancorp Inc. (Class A)
C 65/100 13.7x β€” 11.9% -1.36% $1.81B /rbcaa-vs-ocfc β†’
DCOM
Dime Commercial Bancshares Inc.
B- 70/100 16.9x β€” 7.5% -1.08% $1.87B /dcom-vs-ocfc β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001004702 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OceanFirst Financial Corp. (OCFC) reported GAAP revenue of $6.12B (+8.5% vs. FY2024 revenue of $5.64B , and +1195.5% cumulative change since FY2023) , GAAP net income of $67.1M, operating cash flow of $87.2M, and free cash flow of $79.5M (-6.1% YoY). On the balance sheet, OCFC closed FY2025 with $14.56B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $6.12B $67.1M $87.2M $79.5M $14.56B β€”
FY2024 (FY) 2024-12-31 $5.64B $96.0M $92.2M $84.7M $13.42B β€”
FY2023 (FY) 2023-12-31 $472.2M $100.0M $124.3M $124.3M β€” β€”

3. OCFC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OCFC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, OceanFirst Financial Corp. (NASDAQ: OCFC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $18.34 (-1.77% 1D, market cap $1.84B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, OCFC ranks #549 in composite RQD confidence.

How does OCFC compare to STBA and FSUN in the Financials sector?

Within the Financials sector (Major Banks), OCFC carries a Roarable D+ (54/100 RQD), trailing P/E of 26.1x, gross margin of β€”, and ROIC of 4.0%. By comparison, STBA (S&T Bancorp Inc.) holds a C+ grade (66/100 RQD, P/E 13.4x, ROIC 9.2%, cap $1.83B) and FSUN (FirstSun Capital Bancorp) posts a C grade (63/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.83B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OCFC?

Per OCFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001004702), OceanFirst Financial Corp. generated $6.12B in revenue (+8.5% YoY), $67.1M in net income, and $79.5M in free cash flow against $14.56B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OCFC trading relative to its 50-day, 200-day, and 52-week technical levels?

OCFC last traded at $18.34 (-1.77% on volume of 1,133,690 shares), positioning the stock +5.10% above its 50-day simple moving average ($17.45) and -0.70% below its 200-day simple moving average ($18.47). Across its 52-week range of $15.60 to $20.61, OCFC sits at the 54.7% percentile with a 14-day RSI of 71.9 (OVERBOUGHT (>70)) and an implied next-earnings move of Β±5.0% ($17.42 to $19.26).

Direct Sub-Reports: OCFC RQD Cockpit OCFC 12M Forecast OCFC Earnings & Move OCFC Dividends & DRIP OCFC Insiders & 13F OCFC Whale Options OCFC Profit Sankey OCFC News & Why
ROARABLE RATING BRIEF β€’ RQD 54/100 (D+) βœ“ SEC XBRL & RQD VERIFIED

OCFC β€” OceanFirst Financial Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

OceanFirst Financial Corp. (OCFC) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $18.34 (-1.77% 1D, market capitalization $1.84B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 4.0%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 4.53%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry..8B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), OceanFirst Financial Corp. (OCFC) reported $6.12B in annual revenue (up from $5.64B in FY2024, +8.5% YoY) and $67.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($472.2M revenue, $100.0M net income) through FY2025, OCFC scaled operating cash flow to $87.2M and free cash flow to $79.5M, backed by $14.56B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D+ β€’ RQD 54/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 4.53% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $15.60 – $20.61 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 26.1x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector is Financials and industry is Major Banks, but no upstream or downstream dependencies, sector correlations, or second-order bottlenecks are supplied in the source data. β€” beyond this.

  • Key Question #1: Can OCFC sustain or expand its β€” operating margin and 4.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $6.12B and free cash flow of $79.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is OCFC's 24.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

OCFC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for OceanFirst Financial Corp. (OCFC) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to OCFC Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OCFC Bull vs. Bear Conversation Board β€” What's Your Call at $18.34?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OCFC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on OCFC:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER β€’ Fundamental Long-Only πŸ‚ BULLISH 🎯 Target: $22.43 (+25.0%)
πŸ“Œ Pinned Debate

OCFC (D+ β€’ RQD 54/100) operating leverage in Major Banks is mispriced at $17.94

Don't sleep on OCFC's setup in Financials. OCFC (D+ β€’ RQD 54/100) operating leverage in Major Banks is mispriced at $17.94. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (54/100) backs up the fundamental quality.

VolSurface_Trader πŸ‚ BULL

Both sides have a point here β€” OCFC's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SH ShortSeller_Dan RQD DEBATE OPENER β€’ Forensic Short Bias 🐻 BEARISH 🎯 Target: $14.53 (-19.0%)
Spot @ $17.94

Per the RQD rating, the Fundamental Cash Engine (11/20, ROIC 4%) and Macro Regime Fit (6/20) pillars are weak, and the P/E TTM of 26.1

I respect the product at OceanFirst Financial Corp., but the stock at $17.94 is a different story. Per the RQD rating, the Fundamental Cash Engine (11/20, ROIC 4%) and Macro Regime Fit (6/20) pillars are weak, and the P/E TTM of 26.1 sits against a 4.53% FCF yield.. FCF yield is 4.53% and RQD sits at 54/100 (D+) β€” why pay up here when you can wait for next quarter's numbers?

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