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OceanFirst FinancialOCFC -0.39%75 Debt-to-Equity is 0.92 as of Jun. 2026, which is 70% above its 10-year median of 0.54. 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. Among 1,416 Banks companies, OceanFirst Financial ranks worse than 64.48% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for OceanFirst Financial's Debt-to-Equity or its related term are showing as below:
OCFC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.54 Max: 1.15
Current: 0.92
During the past 13 years, the highest Debt-to-Equity Ratio of OceanFirst Financial was 1.15. The lowest was 0.15. And the median was 0.54.
OCFC's Debt-to-Equity is ranked worse than 64.48% of 1416
companies
in the Banks industry
Industry Median: 0.58
vs OCFC: 0.92
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
OceanFirst Financial Debt-to-Equity Related Terms
OceanFirst Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for OceanFirst Financial's Debt-to-Equity 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.
For the Banks - Regional subindustry, OceanFirst Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, OceanFirst Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where OceanFirst Financial's Debt-to-Equity falls into.
* 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 (OCFC) has a Debt-to-Equity of 0.92 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on OceanFirst Financial and its competitors. This is 70% above median its historical median of 0.54. Over the past decade, OceanFirst Financial's Debt-to-Equity has ranged from 0.15 to 1.15. According to the industry distribution chart, OceanFirst Financial ranks #913 out of 1416 companies in the Banks industry, placing it in the top 64.5%.
Is OceanFirst Financial's Debt-to-Equity too high?
OceanFirst Financial's current Debt-to-Equity of 0.92 is 70% above median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 1.15. The Banks industry median Debt-to-Equity is 0.58. OceanFirst Financial's value of 0.92 is 58.6% above this industry median. Based on the distribution chart, OceanFirst Financial ranks #913 out of 1416 companies in the Banks industry, which is below the industry midpoint. 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 Debt-to-Equity compare to HOPE and BFC?
According to the Banks industry distribution chart, OceanFirst Financial ranks #913 out of 1416 companies for Debt-to-Equity. This places OceanFirst Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.58. OceanFirst Financial's value of 0.92 is 58.6% above this benchmark. Historically, OceanFirst Financial's own Debt-to-Equity has ranged from 0.15 to 1.15 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.58, OceanFirst Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,416 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OceanFirst Financial's current Debt-to-Equity of 0.92 is 58.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on OceanFirst Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OceanFirst Financial's current Debt-to-Equity is 0.92, which is 70% above median its own 10-year median of 0.54. 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 Debt-to-Equity is 0.92, which is 70% above median its 10-year median of 0.54 and 58.6% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current Debt-to-Equity is 0.92 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:
Debt-to-Equity: 0.92 (70% above median its 10-year median of 0.54)
GF Value™: $19.85 vs. price of $19.02 (4.2% below fair value)
Industry Position: 58.6% above the Banks median (#913 of 1416)
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 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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