OceanFirst Financial (OCFC) vs TriCo Bancshares (TCBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
TriCo Bancshares (TCBK) has outperformed OceanFirst Financial (OCFC) over the past year, gaining 17.1% versus a loss of 9.2%. Over five years, TCBK leads with a +17.9% price change compared with -24.7% for OCFC. TriCo Bancshares is the larger company by market cap ($1.64 billion vs $1.59 billion), about 1.0 times the size.
On valuation, OceanFirst Financial trades at a lower forward P/E (7.2x vs 11.7x for TriCo Bancshares). OceanFirst Financial offers the higher dividend yield (4.86% vs 2.81%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | OCFC | TCBK |
|---|---|---|
| Share price | $16.46 | $51.23 |
| Market cap | $1.59B | $1.64B |
| 1-day change | -1.73% | -1.69% |
| YTD return | -8.30% | +8.15% |
| 1-year return | -9.21% | +17.10% |
| 5-year return | -24.67% | +17.93% |
| P/E ratio (TTM) | 20.57 | 12.29 |
| Forward P/E | 7.16 | 11.72 |
| EPS (TTM) | $0.80 | $4.17 |
| Dividend yield | 4.86% | 2.81% |
| Annual dividend | $0.80 | $1.44 |
| 52-week high | $20.61 | $61.71 |
| 52-week low | $16.16 | $40.44 |
| Distance from 52-week high | -20.14% | -16.98% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +31.11% | +16.16% |
| Average volume | 976.04K | 366.18K |
| Shares outstanding | 96.65M | 31.97M |
| Employees | 898 | 1,114 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- TCBK has outperformed OCFC by 26.3 percentage points over the past year.
- OceanFirst Financial trades at a higher earnings multiple (20.6x vs 12.3x trailing P/E).
- OceanFirst Financial offers a meaningfully higher dividend yield (4.86% vs 2.81%).
About OceanFirst Financial
OCFC stock →OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A.
Finance · Major Banks · 898 employees
About TriCo Bancshares
TCBK stock →TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial and retail banking services to individual and corporate customers. The company accepts demand, savings, and time deposits; and offers checking, specialized, money market, education, health savings, certificate of deposit, and business and public funds savings accounts, as well as individual retirement accounts.
Finance · Major Banks · 1,114 employees
OCFC vs TCBK FAQ
Which is bigger, OceanFirst Financial or TriCo Bancshares?
TriCo Bancshares (TCBK) is larger, with a market capitalization of $1.64B compared with $1.59B for OceanFirst Financial (OCFC).
Which stock has performed better over the past year, OCFC or TCBK?
TCBK returned +17.10% over the past 12 months, compared with -9.21% for OCFC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OCFC or TCBK?
TCBK has the lower trailing P/E at 12.3, versus 20.6 for OCFC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, OceanFirst Financial or TriCo Bancshares?
OceanFirst Financial has the higher yield at 4.86%, compared with 2.81% for TriCo Bancshares.
Are OceanFirst Financial and TriCo Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.