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Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
OceanFirst Financial's Efficiency Overhead Ratio % for the quarter that ended in Mar. 2026 was 71.13%
, which is lower than
80.37% for the pervious quarter ended in Dec. 2025.
OceanFirst Financial's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 73.16%
, which is higher than
63.99% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for OceanFirst Financial's Efficiency Overhead Ratio % or its related term are showing as below:
OCFC's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
OceanFirst Financial (NAS:OCFC) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
OceanFirst Financial Efficiency Overhead Ratio % Related Terms
OceanFirst Financial Efficiency Overhead Ratio % Historical Data
* Premium members only.
The historical data trend for OceanFirst Financial's Efficiency Overhead Ratio % 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 Efficiency Overhead Ratio % Chart
OCFC vs NBN, AGBK, HBT: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, OceanFirst Financial's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % 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 (NAS:OCFC) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* 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.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 71.13% mean?
OceanFirst Financial (OCFC) has a Efficiency Overhead Ratio % of 71.13% as of Mar. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on OceanFirst Financial and its competitors.
Is OceanFirst Financial's Efficiency Overhead Ratio % too high?
OceanFirst Financial's current Efficiency Overhead Ratio % is 71.13%. Overall, OceanFirst Financial has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does OceanFirst Financial's Efficiency Overhead Ratio % compare to NBN and AGBK?
OceanFirst Financial's Efficiency Overhead Ratio % of 71.13% 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 Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % 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 Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on OceanFirst Financial and its competitors. OceanFirst Financial's current Efficiency Overhead Ratio % is 71.13%. 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 Modestly Undervalued. The stock's GF Value™ is $21.39, compared to a current price of $19.32 — trading 9.7% below its estimated fair value. The current Efficiency Overhead Ratio % is 71.13%. OceanFirst Financial's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current Efficiency Overhead Ratio % is 71.13% as of Mar. 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 $19.32 is trading 9.7% below its estimated GF Value™ of $21.39.
GuruFocus considers OceanFirst Financial to be Modestly Undervalued.
Key valuation signals for OCFC:
Efficiency Overhead Ratio %: 71.13%
GF Value™: $21.39 vs. price of $19.32 (9.7% below fair value)
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.
72GF Score
Get the complete analysis for OCFC
Efficiency Overhead Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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