OCFC (OceanFirst Financial) Net Loan: $16,086.5 Mil (As of Jun. 2026)

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OCFC OceanFirst Financial Corp OCFC
75 GF Score
Price $19.02
GF Value $19.85
Valuation Fairly Valued
! 9 Warning Signs
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What is OceanFirst Financial Net Loan?

OceanFirst Financial OCFC -0.39% 75 Net Loan is $16,086.5 Mil as of Jun. 2026. GuruFocus rates OCFC with a GF Score™ of 75/100 and a GF Value™ of $19.85 (Fairly Valued). The stock has 9 warning signs investors should review.

OceanFirst Financial's quarterly net loan increased from Dec. 2025 ($10,976.4 Mil) to Mar. 2026 ($11,059.3 Mil) and increased from Mar. 2026 ($11,059.3 Mil) to Jun. 2026 ($16,086.5 Mil).

OceanFirst Financial's annual net loan declined from Dec. 2023 ($10,141.9 Mil) to Dec. 2024 ($11,059.3 Mil) but then increased from Dec. 2024 ($11,059.3 Mil) to Dec. 2025 ($16,086.5 Mil).

OceanFirst Financial Net Loan Historical Data

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The historical data trend for OceanFirst Financial's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

OceanFirst Financial Net Loan Chart

OceanFirst Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8,583.35 9,869.41 10,141.89 10,076.64 10,976.43

OceanFirst Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10,135.53 10,507.62 10,976.43 11,059.28 16,086.53
OCFC
75GF Score
OceanFirst Financial Corp OCFC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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OceanFirst Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $16,086.5 Mil mean?
OceanFirst Financial (OCFC) has a Net Loan of $16,086.5 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on OceanFirst Financial and its competitors.
Is OceanFirst Financial's Net Loan too high?
OceanFirst Financial's current Net Loan is $16,086.5 Mil. Overall, OceanFirst Financial has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OceanFirst Financial's Net Loan compare to HOPE and BFC?
OceanFirst Financial's Net Loan of $16,086.5 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on OceanFirst Financial and its competitors. OceanFirst Financial's current Net Loan is $16,086.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OceanFirst Financial stock overvalued right now?
Based on GuruFocus' analysis, OceanFirst Financial (OCFC) is currently considered Fairly Valued. The stock's GF Value™ is $19.85, compared to a current price of $19.02 — trading 4.2% below its estimated fair value. The current Net Loan is $16,086.5 Mil. OceanFirst Financial's overall GF Score™ is 75/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current Net Loan is $16,086.5 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is OceanFirst Financial (OCFC) Overvalued in 2026?

Based on GuruFocus' analysis, OceanFirst Financial stock appears to be undervalued. The current stock price of $19.02 is trading 4.2% below its estimated GF Value™ of $19.85. GuruFocus considers OceanFirst Financial to be Fairly Valued.

Key valuation signals for OCFC:

  • Net Loan: $16,086.5 Mil
  • GF Value™: $19.85 vs. price of $19.02 (4.2% below fair value)
  • GF Score™: 75/100 with 9 warning signs

No single metric tells the full story. See the OCFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

OceanFirst Financial Business Description

Address 110 West Front Street, Red Bank, NJ, USA, 07701
OceanFirst Financial Corp is engaged in the banking sector of the United States. It conducts the business of attracting retail and business deposits and investing them in loans, consisting of single-family, owner-occupied residential mortgage loans and commercial real estate loans. The company's sole segment deals with the delivery of loan and deposit products to customers. The bank's revenues are derived principally from interest on its loans, and to a lesser extent, interest on its investment and mortgage-backed securities. The rest of its income is dependent on bank card services and wealth management products and services.
75GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.02
Price
$19.85
GF Value