OceanFirst Financial (OCFC) vs Triumph Financial (TFIN)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Triumph Financial (TFIN) has outperformed OceanFirst Financial (OCFC) over the past year, gaining 29.3% versus a loss of 10.1%. Over five years, OCFC leads with a -24.9% price change compared with -41.6% for TFIN. OceanFirst Financial is the larger company by market cap ($1.59 billion vs $1.50 billion), about 1.1 times the size.
On valuation, OceanFirst Financial trades at a lower forward P/E (7.1x vs 19.2x for Triumph Financial). OceanFirst Financial pays a dividend yielding 4.87%, while Triumph Financial does not currently pay one. Triumph Financial converts more of its revenue into profit, with a net margin of 1195.1% versus 17.5%.
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 | TFIN |
|---|---|---|
| Share price | $16.42 | $62.78 |
| Market cap | $1.59B | $1.50B |
| 1-day change | -0.24% | +1.41% |
| YTD return | -8.52% | +0.24% |
| 1-year return | -10.13% | +29.26% |
| 5-year return | -24.85% | -41.60% |
| P/E ratio (TTM) | 20.53 | 42.42 |
| Forward P/E | 7.14 | 19.15 |
| EPS (TTM) | $0.80 | $1.48 |
| Dividend yield | 4.87% | 0.00% |
| Annual dividend | $0.80 | $0.00 |
| Revenue (latest FY) | $404.92M | $2.12M |
| Revenue growth (YoY) | +5.39% | -46.68% |
| Net income (latest FY) | $70.98M | $25.36M |
| Net margin | 17.53% | 1195.05% |
| 52-week high | $20.61 | $83.52 |
| 52-week low | $16.16 | $46.43 |
| Distance from 52-week high | -20.33% | -24.83% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +31.43% | +23.61% |
| Average volume | 997.05K | 232.92K |
| Shares outstanding | 96.65M | 23.89M |
| Employees | 898 | 1,441 |
| 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
- TFIN has outperformed OCFC by 39.4 percentage points over the past year.
- Triumph Financial trades at a higher earnings multiple (42.4x vs 20.5x trailing P/E).
- OceanFirst Financial offers a meaningfully higher dividend yield (4.87% vs 0.00%).
- Triumph Financial is more profitable, keeping 1195.1 cents of every revenue dollar as net income versus 17.5 cents for OceanFirst Financial.
- OceanFirst Financial grew revenue faster in its latest fiscal year (+5.39% vs -46.68%).
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 Triumph Financial
TFIN stock →Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans.
Finance · Major Banks · 1,441 employees
OCFC vs TFIN FAQ
Which is bigger, OceanFirst Financial or Triumph Financial?
OceanFirst Financial (OCFC) is larger, with a market capitalization of $1.59B compared with $1.50B for Triumph Financial (TFIN).
Which stock has performed better over the past year, OCFC or TFIN?
TFIN returned +29.26% over the past 12 months, compared with -10.13% for OCFC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OCFC or TFIN?
OCFC has the lower trailing P/E at 20.5, versus 42.4 for TFIN. 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 Triumph Financial?
OceanFirst Financial pays a dividend yielding 4.87%, while Triumph Financial does not currently pay a regular dividend.
Are OceanFirst Financial and Triumph Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.