Should I Buy OCFC? OCFC 2026 Analysis

Should You Buy OceanFirst Financial Corp (OCFC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

18.620

1 Day change

2.14%

52 Week Range

20.610

Analysis Updated At

2026/01/26

OceanFirst Financial Corp (OCFC) is not a strong buy for a beginner, long-term investor at this time. While the company has shown positive revenue growth and a stable dividend yield, the significant drop in net income and EPS, coupled with neutral trading sentiment and lack of strong technical or proprietary trading signals, suggests a wait-and-see approach is more prudent.

Technical Analysis

The MACD is positive but contracting, indicating weakening momentum. RSI is neutral at 50.992, and moving averages are bullish (SMA_5 > SMA_20 > SMA_200). Key support is at 17.468, and resistance is at 19.497. The technical indicators do not strongly suggest a buy signal.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

The low put-call ratios suggest a bullish sentiment, but the low volume and open interest do not indicate significant market activity.

Technical Summary

Sell

Buy

Positive Catalysts

Revenue growth of 9.32% YoY in Q4
Quarterly dividend of $0.20 per share with a 4.17% yield.
Strong loan growth of $474 million in Q4 2025.

Neutral/Negative Catalysts

Net income dropped by -37.37% YoY in Q4
EPS declined by -36.11% YoY.
Neutral sentiment from hedge funds and insiders.
Lack of recent congress trading activity.

Financial Performance

In Q4 2025, revenue increased by 9.32% YoY to $94.29 million, but net income fell by -37.37% YoY to $13.09 million, and EPS dropped by -36.11% YoY to $0.23. Gross margin remained flat.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating or price target changes provided. Wall Street sentiment appears neutral with no strong pros or cons evident.

3 Analyst Rating

Wall Street analysts forecast OCFC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OCFC is 20.5 USD with a low forecast of 19 USD and a high forecast of 22 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

2 Hold

0 Sell

Moderate Buy

Current: 18.230

Low

Averages

20.5

High

Current: 18.230

Low

Averages

20.5

High

DA Davidson

NULL

Buy

initiated

$19

AI Analysis

2025-10-27

Reason

DA Davidson

Price Target

$19

AI Analysis

2025-10-27

initiated

NULL

Buy

Reason

DA Davidson assumed coverage of OceanFirst Financial with a Buy rating and price target of $19, up from $18.50. The firm says trends for the tcompany's Premier Bank are positive.

Raymond James

Strong Buy

maintain

$21 -> $23

2025-10-27

Reason

Raymond James

Price Target

$21 -> $23

2025-10-27

maintain

Strong Buy

Reason

Raymond James raised the firm's price target on OceanFirst Financial to $23 from $21 and keeps a Strong Buy rating on the shares. OceanFirst's Q3 results were mixed, with net interest income falling short on a tighter core net interest margin, though the announced outsourcing of residential mortgage and sale of its title businesses will improve efficiency going forward, the analyst tells investors in a research note.

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for OCFC

Unlock Now

OCFC Should I Buy

OCFC Should I Buy

Should You Buy OceanFirst Financial Corp (OCFC) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

People Also Watch