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OceanFirst FinancialOCFC -0.34%75 FCF Yield % is 6.13 as of Aug. 21, 2026, which is 29% below its 10-year median of 8.64. 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 1,497 Banks companies, OceanFirst Financial ranks worse than 59.32% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
OceanFirst Financial FCF Yield % Related Terms
OceanFirst Financial FCF Yield % Historical Data
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The historical data trend for OceanFirst Financial's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, OceanFirst Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where OceanFirst Financial's FCF Yield % 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 FCF Yield % of 6.13 as of Aug. 21, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on OceanFirst Financial and its competitors. This is 29% below median its historical median of 8.64. Over the past decade, OceanFirst Financial's FCF Yield % has ranged from 1.07 to 26.37. According to the industry distribution chart, OceanFirst Financial ranks #888 out of 1497 companies in the Banks industry, placing it in the top 59.3%.
Is OceanFirst Financial's FCF Yield % too high?
OceanFirst Financial's current FCF Yield % of 6.13 is 29% below median its 10-year median of 8.64. Over the past 10 years, this metric has ranged from a low of 1.07 to a high of 26.37. The Banks industry median FCF Yield % is 8.15. OceanFirst Financial's value of 6.13 is 24.8% below this industry median. Based on the distribution chart, OceanFirst Financial ranks #888 out of 1497 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 FCF Yield % compare to HOPE and BFC?
According to the Banks industry distribution chart, OceanFirst Financial ranks #888 out of 1497 companies for FCF Yield %. This places OceanFirst Financial in the lower half of its industry. The industry median FCF Yield % is 8.15. OceanFirst Financial's value of 6.13 is 24.8% below this benchmark. Historically, OceanFirst Financial's own FCF Yield % has ranged from 1.07 to 26.37 over the past decade. While the company's 10-year median is 8.64 vs. the industry median of 8.15, OceanFirst Financial has consistently been below 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OceanFirst Financial's current FCF Yield % of 6.13 is 24.8% below 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on OceanFirst Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OceanFirst Financial's current FCF Yield % is 6.13, which is 29% below median its own 10-year median of 8.64. 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 $19.03 — trading 4.2% below its estimated fair value. The current FCF Yield % is 6.13, which is 29% below median its 10-year median of 8.64 and 24.8% below the Banks industry median of 8.15. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current FCF Yield % is 6.13 as of Aug. 21, 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 $19.03 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:
FCF Yield %: 6.13 (29% below median its 10-year median of 8.64)
GF Value™: $19.85 vs. price of $19.03 (4.2% below fair value)
Industry Position: 24.8% below the Banks median (#888 of 1497)
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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