OceanFirst FinancialOCFC -2.91%74 EV-to-FCF is 27.76 as of Jul. 05, 2026, which is 78% above its 10-year median of 15.61. GuruFocus rates OCFC with a GF Score™ of 74/100 and a GF Value™ of $20.88 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,193 Banks companies, OceanFirst Financial ranks worse than 88.1% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, OceanFirst Financial's Enterprise Value is $2,953.7 Mil.
OceanFirst Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $106.4 Mil. Therefore, OceanFirst Financial's EV-to-FCF for today is 27.76.
The historical rank and industry rank for OceanFirst Financial's EV-to-FCF or its related term are showing as below:
OCFC'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.46 Med: 15.61 Max: 177.46
Current: 27.76
During the past 13 years, the highest EV-to-FCF of OceanFirst Financial was 177.46. The lowest was 0.46. And the median was 15.61.
OCFC's EV-to-FCF is ranked worse than 88.1% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs OCFC: 27.76
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
OceanFirst Financial's PE Ratio (TTM) for today is calculated as:
OceanFirst Financial's share price for today is $19.05.
OceanFirst Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.170.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
OceanFirst Financial EV-to-FCF Related Terms
OceanFirst Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for OceanFirst Financial's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, OceanFirst Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where OceanFirst Financial's EV-to-FCF falls into.
OceanFirst Financial's current Enterprise Value is $2,953.7 Mil.
OceanFirst Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $106.4 Mil.
* 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 EV-to-FCF of 27.76 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on OceanFirst Financial and its competitors. This is 78% above median its historical median of 15.61. Over the past decade, OceanFirst Financial's EV-to-FCF has ranged from 0.46 to 177.46. According to the industry distribution chart, OceanFirst Financial ranks #1051 out of 1193 companies in the Banks industry, placing it in the top 88.1%.
Is OceanFirst Financial's EV-to-FCF too high?
OceanFirst Financial's current EV-to-FCF of 27.76 is 78% above median its 10-year median of 15.61. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 177.46. The Banks industry median EV-to-FCF is 6.61. OceanFirst Financial's value of 27.76 is 320% above this industry median. Based on the distribution chart, OceanFirst Financial ranks #1051 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, OceanFirst Financial has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OceanFirst Financial's EV-to-FCF compare to NBN and AGBK?
According to the Banks industry distribution chart, OceanFirst Financial ranks #1051 out of 1193 companies for EV-to-FCF. This places OceanFirst Financial in the lower half of its industry. The industry median EV-to-FCF is 6.61. OceanFirst Financial's value of 27.76 is 320% above this benchmark. Historically, OceanFirst Financial's own EV-to-FCF has ranged from 0.46 to 177.46 over the past decade. While the company's 10-year median is 15.61 vs. the industry median of 6.61, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OceanFirst Financial's current EV-to-FCF of 27.76 is 320% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on OceanFirst Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OceanFirst Financial's current EV-to-FCF is 27.76, which is 78% above median its own 10-year median of 15.61. 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 $20.88, compared to a current price of $19.05 — trading 8.8% below its estimated fair value. The current EV-to-FCF is 27.76, which is 78% above median its 10-year median of 15.61 and 320% above the Banks industry median of 6.61. OceanFirst Financial's overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current EV-to-FCF is 27.76 as of Jul. 05, 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 $19.05 is trading 8.8% below its estimated GF Value™ of $20.88.
GuruFocus considers OceanFirst Financial to be Fairly Valued.
Key valuation signals for OCFC:
EV-to-FCF: 27.76 (78% above median its 10-year median of 15.61)
GF Value™: $20.88 vs. price of $19.05 (8.8% below fair value)
Industry Position: 320% above the Banks median (#1051 of 1193)
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.
74GF Score
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