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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
OceanFirst Financial's Sloan Ratio for the quarter that ended in Jun. 2026 was 3.37%.
As of Jun. 2026, OceanFirst Financial has a Sloan Ratio of 3.37%, indicating the company is in the safe zone and there is no funny business with accruals.
OceanFirst Financial (NAS:OCFC) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Jun. 2026, OceanFirst Financial has a Sloan Ratio of 3.37%, indicating the company is in the safe zone and there is no funny business with accruals.
OceanFirst Financial Sloan Ratio % Related Terms
OceanFirst Financial Sloan Ratio % Historical Data
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The historical data trend for OceanFirst Financial's Sloan 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 Sloan Ratio %, along with its competitors' market caps and Sloan 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 Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, OceanFirst Financial's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where OceanFirst Financial's Sloan Ratio % falls into.
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
OceanFirst Financial's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
OceanFirst Financial's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was 17.33 (Sep. 2025 ) + 13.093 (Dec. 2025 ) + 20.506 (Mar. 2026 ) + -3.029 (Jun. 2026 ) = $47.9 Mil.
OceanFirst Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was 24.411 (Sep. 2025 ) + 36.003 (Dec. 2025 ) + 25.21 (Mar. 2026 ) + 36.039 (Jun. 2026 ) = $121.7 Mil.
OceanFirst Financial's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was -888.195 (Sep. 2025 ) + -387.342 (Dec. 2025 ) + -1.59 (Mar. 2026 ) + 418.628 (Jun. 2026 ) = $-858.5 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 Sloan Ratio % of 3.37% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on OceanFirst Financial and its competitors.
Is OceanFirst Financial's Sloan Ratio % too high?
OceanFirst Financial's current Sloan Ratio % is 3.37%. 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 Sloan Ratio % compare to HOPE and BFC?
OceanFirst Financial's Sloan Ratio % of 3.37% 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 Sloan Ratio % for a Banks company?
A good Sloan Ratio % depends on the Banks industry context. However, Sloan 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on OceanFirst Financial and its competitors. OceanFirst Financial's current Sloan Ratio % is 3.37%. 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 $19.02 — trading 4.2% below its estimated fair value. The current Sloan Ratio % is 3.37%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current Sloan Ratio % is 3.37% 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 $19.02 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:
Sloan Ratio %: 3.37%
GF Value™: $19.85 vs. price of $19.02 (4.2% 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.
75GF Score
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