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OceanFirst FinancialOCFC -0.73%75 5-Year Yield-on-Cost % is 5.15 as of Aug. 21, 2026, which is 26% above its 10-year median of 4.09. 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 1,248 Banks companies, OceanFirst Financial ranks better than 65.62% on this metric.
OceanFirst Financial's yield on cost for the quarter that ended in Jun. 2026 was 5.15.
The historical rank and industry rank for OceanFirst Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
OCFC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.1 Med: 4.09 Max: 7.82
Current: 5.15
During the past 13 years, OceanFirst Financial's highest Yield on Cost was 7.82. The lowest was 2.10. And the median was 4.09.
OCFC's 5-Year Yield-on-Cost % is ranked better than 65.62% of 1248
companies
in the Banks industry
Industry Median: 3.87
vs OCFC: 5.15
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
OceanFirst Financial 5-Year Yield-on-Cost % Related Terms
OCFC vs HOPE, BFC, OBK: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, OceanFirst Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, OceanFirst Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where OceanFirst Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
OceanFirst Financial (OCFC) has a 5-Year Yield-on-Cost % of 5.15 as of Aug. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on OceanFirst Financial and its competitors. This is 26% above median its historical median of 4.09. Over the past decade, OceanFirst Financial's 5-Year Yield-on-Cost % has ranged from 2.10 to 7.82. According to the industry distribution chart, OceanFirst Financial ranks #429 out of 1248 companies in the Banks industry, placing it in the top 34.4%.
Is OceanFirst Financial's 5-Year Yield-on-Cost % too high?
OceanFirst Financial's current 5-Year Yield-on-Cost % of 5.15 is 26% above median its 10-year median of 4.09. Over the past 10 years, this metric has ranged from a low of 2.10 to a high of 7.82. The Banks industry median 5-Year Yield-on-Cost % is 3.87. OceanFirst Financial's value of 5.15 is 33.1% above this industry median. Based on the distribution chart, OceanFirst Financial ranks #429 out of 1248 companies in the Banks industry, which is above 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 5-Year Yield-on-Cost % compare to HOPE and BFC?
According to the Banks industry distribution chart, OceanFirst Financial ranks #429 out of 1248 companies for 5-Year Yield-on-Cost %. This puts OceanFirst Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. OceanFirst Financial's value of 5.15 is 33.1% above this benchmark. Historically, OceanFirst Financial's own 5-Year Yield-on-Cost % has ranged from 2.10 to 7.82 over the past decade. While the company's 10-year median is 4.09 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,248 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OceanFirst Financial's current 5-Year Yield-on-Cost % of 5.15 is 33.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on OceanFirst Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OceanFirst Financial's current 5-Year Yield-on-Cost % is 5.15, which is 26% above median its own 10-year median of 4.09. 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 $18.95 — trading 4.5% below its estimated fair value. The current 5-Year Yield-on-Cost % is 5.15, which is 26% above median its 10-year median of 4.09 and 33.1% above the Banks industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For OceanFirst Financial (OCFC), the current 5-Year Yield-on-Cost % is 5.15 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 $18.95 is trading 4.5% below its estimated GF Value™ of $19.85.
GuruFocus considers OceanFirst Financial to be Fairly Valued.
Key valuation signals for OCFC:
5-Year Yield-on-Cost %: 5.15 (26% above median its 10-year median of 4.09)
GF Value™: $19.85 vs. price of $18.95 (4.5% below fair value)
Industry Position: 33.1% above the Banks median (#429 of 1248)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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