Not a good buy right now for an impatient entry: price is near resistance with limited immediate upside and the pattern-based outlook skews slightly negative over the next day/week/month.
Technicals are broadly bullish (stacked moving averages, positive MACD), but momentum is getting stretched (RSI~70) while the stock is already close to R1 (19.821).
Fundamentals are mixed: revenue grew YoY, but earnings and EPS dropped sharply in 2025/Q4, which typically caps near-term multiple expansion for bank stocks.
No supportive near-term catalysts from news flow, insiders, hedge funds, or politicians were identified in the provided data.
Technical Analysis
Trend: Bullish structure with SMA_5 > SMA_20 > SMA_200, suggesting the broader trend is up.
Momentum: MACD histogram is positive (0.185) and expanding, supporting continuation—but RSI_6 at ~69.93 is nearing overbought, implying reduced reward-to-risk for a fresh buy today.
Key levels: Pivot 19.015 (near-term “line in the sand”); Resistance R1 19.821 then R2 20.319; Support S1 18.209 then S2 17.711.
Current positioning: At ~19.63, the stock is closer to resistance than support, making the immediate upside less attractive for a new, impatient entry.
Quant/pattern outlook (similar candlesticks): 90% chance of -0.76% next day, -0.48% next week, -1.85% next month (bearish drift).
Positioning: Open interest put/call ratio at 0.58 is moderately bullish (more calls than puts outstanding).
Activity: Options volume is 0 today, so sentiment inference is weak (no real-time participation confirming a directional bet).
Volatility: 30D IV ~57.85 with IV percentile ~70.92 suggests relatively elevated pricing for options; this often reflects uncertainty rather than clean bullish conviction.
Open interest: Total OI (1,271) is meaningful vs recent averages (today vs OI avg 30D ~111%), but without volume it looks more like existing positioning than fresh directional flow.
Profitability weakened: Net income 13.09M, -37.37% YoY.
EPS 0.23, -36.11% YoY (earnings contraction is a notable headwind for near-term upside).
Overall read: top-line growth is encouraging, but margin/earnings pressure dominates the near-term fundamental narrative.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
No analyst rating/price target change data was provided, so a recent trend summary cannot be confirmed from the dataset.
Wall Street-style pros view (inferred from provided fundamentals/technicals): steady revenue growth and an intact uptrend could support a constructive stance.
Wall Street-style cons view: sharp YoY declines in net income and EPS typically lead to cautious positioning and can limit willingness to chase the stock near resistance without a clear catalyst.
Wall Street analysts forecast OCFC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OCFC is 20.5 USD with a low forecast of 19 USD and a high forecast of 22 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
Wall Street analysts forecast OCFC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OCFC is 20.5 USD with a low forecast of 19 USD and a high forecast of 22 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 19.680
Low
19
Averages
20.5
High
22
Current: 19.680
Low
19
Averages
20.5
High
22
DA Davidson
NULL
to
Buy
initiated
$19
AI Analysis
2025-10-27
Reason
DA Davidson
Price Target
$19
AI Analysis
2025-10-27
initiated
NULL
to
Buy
Reason
DA Davidson assumed coverage of OceanFirst Financial with a Buy rating and price target of $19, up from $18.50. The firm says trends for the tcompany's Premier Bank are positive.
Raymond James
Strong Buy
maintain
$21 -> $23
2025-10-27
Reason
Raymond James
Price Target
$21 -> $23
2025-10-27
maintain
Strong Buy
Reason
Raymond James raised the firm's price target on OceanFirst Financial to $23 from $21 and keeps a Strong Buy rating on the shares. OceanFirst's Q3 results were mixed, with net interest income falling short on a tighter core net interest margin, though the announced outsourcing of residential mortgage and sale of its title businesses will improve efficiency going forward, the analyst tells investors in a research note.
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