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OceanFirst FinancialOCFC -0.52%75 PEG Ratio is 2.93 as of Aug. 21, 2026, which is 98% above its 10-year median of 1.48. 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 1,231 Banks companies, OceanFirst Financial ranks worse than 73.19% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for OceanFirst Financial's PEG Ratio or its related term are showing as below:
OCFC'
s PEG Ratio Range Over the Past 10 Years
Min: 0.47 Med: 1.48 Max: 4.42
Current: 2.93
During the past 13 years, OceanFirst Financial's highest PEG Ratio was 4.42. The lowest was 0.47. And the median was 1.48.
OCFC's PEG Ratio is ranked worse than 73.19% of 1231
companies
in the Banks industry
Industry Median: 1.54
vs OCFC: 2.93
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
OceanFirst Financial (NAS:OCFC) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
OceanFirst Financial PEG Ratio Related Terms
OceanFirst Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for OceanFirst Financial's PEG 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.
For the Banks - Regional subindustry, OceanFirst Financial's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, OceanFirst Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where OceanFirst Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
OceanFirst Financial (OCFC) has a PEG Ratio of 2.93 as of Aug. 21, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on OceanFirst Financial and its competitors. This is 98% above median its historical median of 1.48. Over the past decade, OceanFirst Financial's PEG Ratio has ranged from 0.47 to 4.42. According to the industry distribution chart, OceanFirst Financial ranks #901 out of 1231 companies in the Banks industry, placing it in the top 73.2%.
Is OceanFirst Financial's PEG Ratio too high?
OceanFirst Financial's current PEG Ratio of 2.93 is 98% above median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 4.42. The Banks industry median PEG Ratio is 1.54. OceanFirst Financial's value of 2.93 is 90.3% above this industry median. Based on the distribution chart, OceanFirst Financial ranks #901 out of 1231 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 PEG Ratio compare to HOPE and BFC?
According to the Banks industry distribution chart, OceanFirst Financial ranks #901 out of 1231 companies for PEG Ratio. This places OceanFirst Financial in the lower half of its industry. The industry median PEG Ratio is 1.54. OceanFirst Financial's value of 2.93 is 90.3% above this benchmark. Historically, OceanFirst Financial's own PEG Ratio has ranged from 0.47 to 4.42 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 1.54, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OceanFirst Financial's current PEG Ratio of 2.93 is 90.3% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on OceanFirst Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OceanFirst Financial's current PEG Ratio is 2.93, which is 98% above median its own 10-year median of 1.48. 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 $18.99 — trading 4.3% below its estimated fair value. The current PEG Ratio is 2.93, which is 98% above median its 10-year median of 1.48 and 90.3% above the Banks industry median of 1.54. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current PEG Ratio is 2.93 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 $18.99 is trading 4.3% below its estimated GF Value™ of $19.85.
GuruFocus considers OceanFirst Financial to be Fairly Valued.
Key valuation signals for OCFC:
PEG Ratio: 2.93 (98% above median its 10-year median of 1.48)
GF Value™: $19.85 vs. price of $18.99 (4.3% below fair value)
Industry Position: 90.3% above the Banks median (#901 of 1231)
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
Get the complete analysis for OCFC
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