OCFC (OceanFirst Financial) Dividend Payout Ratio: 0.47 (As of Jun. 2026) — 31% Above Median

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OCFC OceanFirst Financial Corp OCFC
75 GF Score
Price $19.03
GF Value $19.85
Valuation Fairly Valued
! 9 Warning Signs
View Full Analysis

What is OceanFirst Financial Dividend Payout Ratio?

OceanFirst Financial OCFC -0.31% 75 Dividend Payout Ratio is 0.47 as of Jun. 2026, which is 31% above its 10-year median of 0.36. 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 1,173 Banks companies, OceanFirst Financial ranks worse than 69.14% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. OceanFirst Financial's Dividend Payout Ratio for the months ended in Jun. 2026 was 0.47.

The historical rank and industry rank for OceanFirst Financial's Dividend Payout Ratio or its related term are showing as below:

OCFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23   Med: 0.36   Max: 0.57
Current: 0.44

During the past 13 years, the highest Dividend Payout Ratio of OceanFirst Financial was 0.57. The lowest was 0.23. And the median was 0.36.

OCFC's Dividend Payout Ratio is ranked worse than
69.14% of 1173 companies
in the Banks industry
Industry Median: 0.32 vs OCFC: 0.44

As of today (2026-08-21), the Dividend Yield % of OceanFirst Financial is 4.21%.

During the past 13 years, the highest Trailing Annual Dividend Yield of OceanFirst Financial was 6.43%. The lowest was 1.73%. And the median was 3.36%.

OceanFirst Financial's Dividends per Share for the months ended in Jun. 2026 was $0.20.

During the past 3 years, the average Dividends Per Share Growth Rate was 2.60% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 4.00% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 4.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of OceanFirst Financial was 33.90% per year. The lowest was -15.70% per year. And the median was 3.55% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

OceanFirst Financial (NAS:OCFC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

OceanFirst Financial Dividend Payout Ratio Related Terms

OceanFirst Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for OceanFirst Financial's Dividend Payout 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 Dividend Payout Ratio Chart

OceanFirst Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.37 0.23 0.30 0.50 0.56

OceanFirst Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio 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 0.65 0.56 0.49 0.33 0.47

OCFC vs HOPE, BFC, OBK: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, OceanFirst Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, OceanFirst Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where OceanFirst Financial's Dividend Payout Ratio falls into.


OCFC
75GF Score
OceanFirst Financial Corp OCFC
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OceanFirst Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

OceanFirst Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.8/ 1.43
=0.56

OceanFirst Financial's Dividend Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2026 )/ EPS without NRI (Q: Jun. 2026 )
=0.2/ 0.43
=0.47

* 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 Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.47 mean?
OceanFirst Financial (OCFC) has a Dividend Payout Ratio of 0.47 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on OceanFirst Financial and its competitors. This is 31% above median its historical median of 0.36. Over the past decade, OceanFirst Financial's Dividend Payout Ratio has ranged from 0.23 to 0.57. According to the industry distribution chart, OceanFirst Financial ranks #811 out of 1173 companies in the Banks industry, placing it in the top 69.1%.
Is OceanFirst Financial's Dividend Payout Ratio too high?
OceanFirst Financial's current Dividend Payout Ratio of 0.47 is 31% above median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.57. The Banks industry median Dividend Payout Ratio is 0.32. OceanFirst Financial's value of 0.47 is 46.9% above this industry median. Based on the distribution chart, OceanFirst Financial ranks #811 out of 1173 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 Dividend Payout Ratio compare to HOPE and BFC?
According to the Banks industry distribution chart, OceanFirst Financial ranks #811 out of 1173 companies for Dividend Payout Ratio. This places OceanFirst Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. OceanFirst Financial's value of 0.47 is 46.9% above this benchmark. Historically, OceanFirst Financial's own Dividend Payout Ratio has ranged from 0.23 to 0.57 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,173 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OceanFirst Financial's current Dividend Payout Ratio of 0.47 is 46.9% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on OceanFirst Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OceanFirst Financial's current Dividend Payout Ratio is 0.47, which is 31% above median its own 10-year median of 0.36. 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 4.1% below its estimated fair value. The current Dividend Payout Ratio is 0.47, which is 31% above median its 10-year median of 0.36 and 46.9% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current Dividend Payout Ratio is 0.47 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 $19.03 is trading 4.1% below its estimated GF Value™ of $19.85. GuruFocus considers OceanFirst Financial to be Fairly Valued.

Key valuation signals for OCFC:

  • Dividend Payout Ratio: 0.47 (31% above median its 10-year median of 0.36)
  • GF Value™: $19.85 vs. price of $19.03 (4.1% below fair value)
  • GF Score™: 75/100 with 9 warning signs
  • Industry Position: 46.9% above the Banks median (#811 of 1173)

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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.03
Price
$19.85
GF Value