What is the 13F Pro Quality Score for OCFC?

13F Pro ranks OCEANFIRST FINANCIAL CORP (OCFC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View OCFC's current score at https://13fpro.ai/research/OCFC (free sign-up required for the full ranking).

Which hedge funds own the most OCFC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of OCFC include BlackRock,, DIMENSIONAL FUND ADVISORS, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/OCFC as soon as new 13F filings post.

Where does 13F Pro source OCFC data?

All OCEANFIRST FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. OCEANFIRST FINANCIAL CORP files with the SEC under CIK 1004702. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is OCFC in?

OCEANFIRST FINANCIAL CORP (OCFC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is OCFC research updated on 13F Pro?

OCFC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

OCEANFIRST FINANCIAL CORP(OCFC)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

OCFC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for OCEANFIRST FINANCIAL CORP (OCFC), a Financials sector company. OCFC is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), OCEANFIRST FINANCIAL CORP reports quarterly revenue of $103.2M, net income of $20.5M, free cash flow of $23.3M. Top institutional holders of OCFC by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, STATE STREET, based on the most recent SEC filings. OCFC trades on the Nasdaq exchange and files with the SEC under CIK 1004702. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OCFC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for OCEANFIRST FINANCIAL CORP directly from SEC EDGAR.

Revenue

Q1 2026

$103.2M

Net Income

Q1 2026

$20.5M

Free Cash Flow

Q1 2026

$23.3M

ROIC

Q1 2026

1.6%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

-26.1% YoY

$71.0MFY 2025

FY22 $142.6MFY23 $104.0MFY24 $96.0MFY25 $71.0M

EPS (Diluted)

-29.1% YoY

$1.17FY 2025

FY22 $2.42FY23 $1.70FY24 $1.65FY25 $1.17

Total Assets

+8.5% YoY

$14.56BFY 2025

FY22 $13.10BFY23 $13.54BFY24 $13.42BFY25 $14.56B

Total Debt

+29.2% YoY

$255.2MFY 2025

FY22 $195.4MFY23 $196.5MFY24 $197.5MFY25 $255.2M

Op. Cash Flow

-5.5% YoY

$87.2MFY 2025

FY22 $250.4MFY23 $124.3MFY24 $92.2MFY25 $87.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Net Income	$71.0M -26.1%	$96.0M -7.7%	$104.0M -27.0%	$142.6M +125.2%	$63.3M -28.5%	$88.6M
EPS (Diluted)	$1.17 -29.1%	$1.65 -2.9%	$1.70 -29.8%	$2.42 +137.3%	$1.02 -41.7%	$1.75
Total Assets	$14.56B +8.5%	$13.42B -0.9%	$13.54B +3.3%	$13.10B +14.5%	$11.45B +38.8%	$8.25B
Total Debt	$255.2M +29.2%	$197.5M +0.6%	$196.5M +0.5%	$195.4M -17.0%	$235.5M	—
Operating Cash Flow	$87.2M -5.5%	$92.2M -25.8%	$124.3M -50.4%	$250.4M +88.8%	$132.7M +32.3%	$100.2M

AI Insight: OCFC Financial Trends

Net income has fallen sharply from $25M in Q3 2024 to $13M in Q4 2025, a near-halving in just five quarters.

• Net income declined from $25M in Q3 2024 to $13M in Q4 2025, representing a 48% drop over five quarters.

• Total debt rose from $198M in Q4 2024 to $255M in Q4 2025, a 29% increase year-over-year.

• Equity contracted from $1,708M in Q1 2025 to $1,643M in Q2 2025, a $65M decline, though partially recovered to $1,663M by Q4 2025.

• Q1 2026 net income rebounded to $21M from Q4 2025's $13M low, suggesting possible stabilization.

⚠ Whether Q1 2026's $21M net income recovery is sustained or merely a bounce from the Q4 2025 trough.

⚠ Rising debt from $198M to $255M between Q4 2024 and Q4 2025 warrants monitoring against a shrinking equity base.

⚠ Operating cash flow remains highly volatile, swinging from -$22M in Q3 2024 to $45M in Q4 2024, obscuring true earnings quality.

AI Insight: OCFC Ratio Trends

OCFC profitability deteriorating sharply — ROE nearly halved and ROIC fell to 3.5% by Q4 2025, signaling meaningful earnings erosion.

• ROE declined steadily from 5.9% in Q3 2024 to 3.1% in Q4 2025, a contraction of 280 basis points over five quarters.

• ROA dropped from 0.7% in Q2–Q4 2024 to 0.4% in Q4 2025, before a partial recovery to 0.6% in Q1 2026.

• ROIC compressed from 7.7% in Q3 2024 to 3.5% in Q4 2025, nearly halving in just five quarters.

• Debt-to-equity rose from 0.12 in Q4 2024 to 0.15 in Q4 2025, indicating modest but rising leverage.

⚠ Q1 2026 ROA ticked up to 0.6% from Q4 2025's 0.4% — monitor whether this signals a genuine earnings floor.

⚠ ROIC at 3.5% in Q4 2025 is near cost-of-capital levels; further compression would destroy shareholder value.

⚠ Gradual D/E increase warrants monitoring if loan losses or margin pressure accelerates balance sheet deterioration.

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Available Research

13F Pro tracks comprehensive data for OCEANFIRST FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of OCFC

BlackRock, Inc.
$121.5M6,733,554 sh
DIMENSIONAL FUND ADVISORS LP
$61.5M3,409,103 sh
STATE STREET CORP
$52.0M2,882,373 sh
WELLINGTON MANAGEMENT GROUP LLP
$46.8M2,595,433 sh
VANGUARD CAPITAL MANAGEMENT LLC
$43.8M2,427,174 sh
Invesco Ltd.
$36.0M1,996,225 sh
TWO SIGMA INVESTMENTS, LP
$28.4M1,572,509 sh
GEODE CAPITAL MANAGEMENT, LLC
$25.4M1,410,048 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$25.0M1,383,588 sh
AMERICAN CENTURY COMPANIES INC
$22.2M1,228,688 sh

Fund	Value	Shares
BlackRock, Inc.	$121.5M	6,733,554
DIMENSIONAL FUND ADVISORS LP	$61.5M	3,409,103
STATE STREET CORP	$52.0M	2,882,373
WELLINGTON MANAGEMENT GROUP LLP	$46.8M	2,595,433
VANGUARD CAPITAL MANAGEMENT LLC	$43.8M	2,427,174
Invesco Ltd.	$36.0M	1,996,225
TWO SIGMA INVESTMENTS, LP	$28.4M	1,572,509
GEODE CAPITAL MANAGEMENT, LLC	$25.4M	1,410,048
SYSTEMATIC FINANCIAL MANAGEMENT LP	$25.0M	1,383,588
AMERICAN CENTURY COMPANIES INC	$22.2M	1,228,688

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Is OCFC a good stock to buy?

13F Pro's AI-powered analysis of OCEANFIRST FINANCIAL CORP (OCFC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OCFC are available on the OCFC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own OCFC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OCFC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of OCEANFIRST FINANCIAL CORP's investment landscape.