OCFC (OceanFirst Financial) Cyclically Adjusted FCF per Share: $2.21 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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OCFC OceanFirst Financial Corp OCFC
75 GF Score
Price $18.99
GF Value $19.85
Valuation Fairly Valued
! 9 Warning Signs
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What is OceanFirst Financial Cyclically Adjusted FCF per Share?

OceanFirst Financial OCFC -0.52% 75 Cyclically Adjusted FCF per Share is $2.21 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

OceanFirst Financial's adjusted free cash flow per share for the three months ended in Jun. 2026 was $0.476. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.21 for the trailing ten years ended in Jun. 2026.

During the past 12 months, OceanFirst Financial's average Cyclically Adjusted FCF Growth Rate was 3.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 0.80% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 6.20% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 2.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of OceanFirst Financial was 13.40% per year. The lowest was -7.70% per year. And the median was 1.85% per year.

As of today (2026-08-21), OceanFirst Financial's current stock price is $18.99. OceanFirst Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $2.21. OceanFirst Financial's Cyclically Adjusted Price-to-FCF of today is 8.59.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of OceanFirst Financial was 21.19. The lowest was 5.53. And the median was 10.57.


OceanFirst Financial  (NAS:OCFC) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

OceanFirst Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=18.99/2.21
=8.59

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of OceanFirst Financial was 21.19. The lowest was 5.53. And the median was 10.57.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


OceanFirst Financial Cyclically Adjusted FCF per Share Related Terms


OceanFirst Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for OceanFirst Financial's Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share Chart

OceanFirst Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.80 2.11 2.14 2.16 2.16

OceanFirst Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share 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 2.13 2.15 2.16 2.18 2.21

OCFC vs HOPE, BFC, OBK: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, OceanFirst Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


OceanFirst Financial Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, OceanFirst Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where OceanFirst Financial's Cyclically Adjusted Price-to-FCF falls into.


OCFC
75GF Score
OceanFirst Financial Corp OCFC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OceanFirst Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, OceanFirst Financial's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.476/333.9520*333.9520
=0.476

Current CPI (Jun. 2026) = 333.9520.

OceanFirst Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 1.035 241.428 1.432
201612 -0.519 241.432 -0.718
201703 0.332 243.801 0.455
201706 0.520 244.955 0.709
201709 0.769 246.819 1.040
201712 -0.670 246.524 -0.908
201803 0.129 249.554 0.173
201806 0.449 251.989 0.595
201809 0.497 252.439 0.657
201812 0.604 251.233 0.803
201903 0.742 254.202 0.975
201906 0.401 256.143 0.523
201909 0.411 256.759 0.535
201912 0.325 256.974 0.422
202003 1.023 258.115 1.324
202006 0.263 257.797 0.341
202009 0.682 260.280 0.875
202012 -0.010 260.474 -0.013
202103 0.525 264.877 0.662
202106 1.534 271.696 1.885
202109 -0.521 274.310 -0.634
202112 0.430 278.802 0.515
202203 0.847 287.504 0.984
202206 1.095 296.311 1.234
202209 1.298 296.808 1.460
202212 0.659 296.797 0.741
202303 0.377 301.836 0.417
202306 1.172 305.109 1.283
202309 0.905 307.789 0.982
202312 -0.485 306.746 -0.528
202403 0.773 312.332 0.827
202406 0.335 314.175 0.356
202409 -0.404 315.301 -0.428
202412 0.745 315.605 0.788
202503 -0.063 319.799 -0.066
202506 0.471 322.561 0.488
202509 0.400 324.800 0.411
202512 0.582 324.054 0.600
202603 0.408 330.213 0.413
202606 0.476 333.952 0.476

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.21 mean?
OceanFirst Financial (OCFC) has a Cyclically Adjusted FCF per Share of $2.21 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on OceanFirst Financial and its competitors.
Is OceanFirst Financial's Cyclically Adjusted FCF per Share too high?
OceanFirst Financial's current Cyclically Adjusted FCF per Share is $2.21. 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 Cyclically Adjusted FCF per Share compare to HOPE and BFC?
OceanFirst Financial's Cyclically Adjusted FCF per Share of $2.21 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 Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on OceanFirst Financial and its competitors. OceanFirst Financial's current Cyclically Adjusted FCF per Share is $2.21. 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 $18.99 — trading 4.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.21. 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 Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current Cyclically Adjusted FCF per Share is $2.21 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 $18.99 is trading 4.3% below its estimated GF Value™ of $19.85. GuruFocus considers OceanFirst Financial to be Fairly Valued.

Key valuation signals for OCFC:

  • Cyclically Adjusted FCF per Share: $2.21
  • GF Value™: $19.85 vs. price of $18.99 (4.3% 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

Get the complete analysis for OCFC

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.99
Price
$19.85
GF Value