Is OCFC or OPBK more undervalued in 2026?

CirclFi compares OceanFirst Financial Corp. (OCFC) and OP Bancorp (OPBK) using 13 institutional-grade valuation models. OCFC has a Quality of Company score of 6.3/10 while OPBK scores 9.6/10.

Which is a better buy — OCFC or OPBK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do OCFC and OPBK valuations compare?

OCFC at $18.80 and OPBK at $14.06 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OCFC vs OPBK Valuation Comparison 2026 — Intrinsic Value Analysis

OCFC

Banks - Regional

OceanFirst Financial Corp.

Quality

6.3

out of 10

Value Trap

SAFE

Price

$18.80

Last close

Models

8/13

Active

OPBK

Banks - Regional

OP Bancorp

Quality

9.6

out of 10

Value Trap

SAFE

Price

$14.06

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	OCFC Fair Value	OCFC Upside	OPBK Fair Value	OPBK Upside
Bayesian DCF	Intrinsic	—	—	$22.80	+62.2%
Earnings Power Value	Intrinsic	—	—	$30.84	+119.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$5.97	-68.3%	$23.59	+67.8%
Markov DDM	Intrinsic	$10.98	-41.6%	$52.96	+276.7%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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OCFC vs OPBK — Which Stock Is More Undervalued?

OPBK scores higher with a 9.6/10 quality rating vs OCFC's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing OceanFirst Financial Corp. (OCFC) and OP Bancorp (OPBK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

OCFC currently trades at $18.80 with a QOC of 6.3/10, while OPBK trades at $14.06 with a QOC of 9.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).