OceanFirst Financial Corp.
OCFCFinancial Services · Stock · quarterly payer
Forward Yield
4.09%
Annual Dividend
$0.80
Payout Ratio
68%
5-Yr Growth
3.3%
Ex-Date
Apr 27, 2026
Frequency
Quarterly
Summary
As of July 2026, OceanFirst Financial Corp. (OCFC) yields 4.09% ($0.80 per share annually), with a blended fair-value estimate of $24.16 — +24% upside, so it screens as undervalued. Dividend safety grade: A (82/100).
Is OCFC a good dividend stock?
YesOceanFirst Financial Corp. (OCFC) pays a quarterly dividend yielding 4.09% ($0.80/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Top-tier dividend safety score
Risks
- Cut its dividend in 2010
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 4.09%
- Payout Ratio
- 68%
- Annual Dividend
- $0.80
- 5-Yr Avg Growth
- 3.3%
- Ex-Dividend Date
- Apr 27, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.96
- Market Cap
- $1.7B
- P/E Ratio
- 16.6
- 5-Yr Total Return
- -8%
- 52-Week Range
- $16.09 – $20.61
- Dividend Safety
- A · 82/100
- Ever Cut?
- Yes (2010)
Frequently Asked Questions
OCFC Price — Last 12 Months
Daily close
Price Return
1 Year
+6%
3 Years
+16%
5 Years
-8%
52-Week Range
$16.09 – $20.61
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is OCFC worth?
Undervaluedmedium confidenceOur blended fair-value estimate for OceanFirst Financial Corp. is $24.16 per share, versus a market price of $19.56. That implies 24% of upside — a margin of safety of about 19%.
Fair Value
$24.16
Current Price
$19.56
Upside
+24%
Margin of Safety
19%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 40.0% annual free-cash-flow growth. We model 20.0% — so the price already assumes faster growth than we think is likely.
Assumptions: 9.1% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $1.18 EPS, $0.80 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
OCFC Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Apr 27, 2026 | — | $0.2000 | regular |
| Feb 2, 2026 | — | $0.2000 | regular |
| Nov 3, 2025 | — | $0.2000 | regular |
| Aug 4, 2025 | — | $0.2000 | regular |
| May 5, 2025 | — | $0.2000 | regular |
| Feb 3, 2025 | — | $0.2000 | regular |
| Nov 4, 2024 | — | $0.2000 | regular |
| Aug 5, 2024 | — | $0.2000 | regular |
| May 3, 2024 | — | $0.2000 | regular |
| Feb 2, 2024 | — | $0.2000 | regular |
| Nov 3, 2023 | — | $0.2000 | regular |
| Aug 4, 2023 | — | $0.2000 | regular |
| May 5, 2023 | — | $0.2000 | regular |
| Feb 3, 2023 | — | $0.2000 | regular |
Income Calculator
At $0.80 / yr per share
