{"id":364848,"date":"2025-09-01T04:26:54","date_gmt":"2025-09-01T04:26:54","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/how-to-buy-oceanfirst-financial\/"},"modified":"2025-09-01T04:26:54","modified_gmt":"2025-09-01T04:26:54","slug":"how-to-buy-oceanfirst-financial","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/en\/news-events\/signal\/how-to-buy-oceanfirst-financial\/","title":{"rendered":"How to buy OceanFirst Financial Corp. (OCFC) shares &#8211; Investment in OceanFirst Financial Corp. (OCFC) stock"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\">text<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>text<\/p>\n","protected":false},"author":129,"featured_media":334036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[12837],"tags":[40],"class_list":["post-364848","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-signal","tag-signal"],"acf":{"h1":"How to Buy OceanFirst Financial Corp (OCFC) Shares - Investment in OceanFirst Financial Corp (OCFC) Stock","h1_source":{"label":"H1","type":"text","formatted_value":"How to Buy OceanFirst Financial Corp (OCFC) Shares - Investment in OceanFirst Financial Corp (OCFC) Stock"},"description":"Learn how to invest in OceanFirst Financial Corp (OCFC) stock with current price analysis, 2025 forecasts, and step-by-step buying instructions for beginners.","description_source":{"label":"Description","type":"textarea","formatted_value":"Learn how to invest in OceanFirst Financial Corp (OCFC) stock with current price analysis, 2025 forecasts, and step-by-step buying instructions for beginners."},"intro":"Thinking about adding a solid regional bank to your portfolio? OceanFirst Financial Corp (OCFC) offers the perfect blend of traditional banking stability and modern growth potential. As we navigate 2025's financial landscape, this New Jersey-based institution presents unique opportunities for both new and experienced investors. Let's explore why OCFC deserves your attention and how you can make it part of your investment journey.","intro_source":{"label":"Intro","type":"text","formatted_value":"Thinking about adding a solid regional bank to your portfolio? OceanFirst Financial Corp (OCFC) offers the perfect blend of traditional banking stability and modern growth potential. As we navigate 2025's financial landscape, this New Jersey-based institution presents unique opportunities for both new and experienced investors. Let's explore why OCFC deserves your attention and how you can make it part of your investment journey."},"body_html":"<h2>\ud83d\udcc8 Current Market Position and Price Analysis<\/h2> <p>As of September 1, 2025, OceanFirst Financial Corp (OCFC) is trading at <strong>$17.13<\/strong> per share. This price represents a fascinating point in the stock's journey - sitting comfortably above its April 2025 low of $14.29 but still below its 52-week high of $21.87.<\/p> <p><strong>Mark your calendar: October 16, 2025<\/strong> is your next critical date. That's when OceanFirst releases its Q3 earnings report. Historically, these announcements create significant price movements that savvy investors can capitalize on.<\/p> <h3>Earnings Impact Analysis: What History Teaches Us<\/h3> <p>Looking at recent earnings patterns reveals valuable insights for timing your investment:<\/p> <p><strong>July 25, 2025 (Q2 Earnings)<\/strong>: The stock experienced mixed reactions despite reporting decreased net income. The simultaneous announcement of a 3 million share buyback program created competing forces that actually stabilized the price around current levels.<\/p> <p><strong>Previous Pattern<\/strong>: When OceanFirst misses earnings expectations (as they did in Q2 with -6.06% EPS surprise), the stock typically experiences a 3-5 day dip followed by gradual recovery as investors focus on long-term fundamentals rather than quarterly fluctuations.<\/p> <p>The key lesson? Earnings misses often create buying opportunities rather than panic scenarios for fundamentally strong regional banks.<\/p> [cta_green text=\"Start trading\"]<h2>\ud83d\udcca 6-Month Performance Journey: Rollercoaster with Purpose<\/h2> <p>OceanFirst's stock has taken investors on quite the ride since March 2025:<\/p> <ul> <li><strong>March 2025<\/strong>: -5.55% decline as banking sector uncertainties weighed heavily<\/li> <li><strong>April 2025<\/strong>: Hit rock bottom at $14.29 (-2.65% monthly) - the absolute low point<\/li> <li><strong>May 2025<\/strong>: +1.51% recovery as stability returned<\/li> <li><strong>June 2025<\/strong>: Strong +4.76% bounce showing renewed confidence<\/li> <li><strong>July 2025<\/strong>: Impressive +6.64% surge reaching $18.88 highs<\/li> <\/ul> <p>This pattern tells a story of resilience. Despite sector-wide challenges, OCFC demonstrated remarkable recovery ability, gaining nearly 12% from April lows to July highs. The volume patterns tell an equally important story - heavy trading during declines (6M+ shares) followed by stabilization at lower volumes (823K shares) suggests smart money accumulation during weakness.<\/p> <h2>\ud83d\udd2e Price Forecast: 2025-2030 Outlook<\/h2> <p>Based on current analyst consensus and fundamental analysis, here's what you can expect:<\/p> <ul> <li><strong>2025 Year-End<\/strong>: $19-21 range (11-23% upside from current $17.13)<\/li> <li><strong>2026 Projection<\/strong>: $22-25 (28-46% growth) driven by commercial banking expansion<\/li> <li><strong>2028 Outlook<\/strong>: $27-32 (58-87% appreciation) as Premier Bank program matures<\/li> <li><strong>2030 Vision<\/strong>: $35-42 (104-145% total return) through sustained execution<\/li> <\/ul> <p><strong>Verdict<\/strong>: STRONG BUY for long-term investors. The combination of attractive valuation (PE 10.33), robust buyback program, and strategic growth initiatives creates a compelling risk-reward scenario.<\/p> <h2>\u26a0\ufe0f Risk Assessment: What Could Go Wrong?<\/h2> <p>Every investment carries risks, and OCFC is no exception:<\/p> <ul> <li><strong>Interest Rate Sensitivity<\/strong>: As a regional bank, profitability depends heavily on interest rate spreads. Federal Reserve policy changes could compress margins.<\/li> <li><strong>Regional Concentration<\/strong>: Heavy New Jersey focus makes them vulnerable to local economic downturns.<\/li> <li><strong>Competition Pressure<\/strong>: Larger national banks and fintech companies are aggressively competing for the same customers.<\/li> <li><strong>Regulatory Changes<\/strong>: Banking regulations constantly evolve, potentially increasing compliance costs.<\/li> <\/ul> <h2>\ud83d\udfe2 Positive Signals: Why the Optimism?<\/h2> <p>Several factors suggest OCFC is positioned for success:<\/p> <ul> <li><strong>5% Stock Buyback<\/strong>: The 3 million share repurchase program <a href=\"https:\/\/www.globenewswire.com\/news-release\/2025\/07\/16\/3116904\/8280\/en\/OceanFirst-Financial-Corp-Announces-2025-Stock-Repurchase-Program.html\">announced in July 2025<\/a> shows management's confidence in undervaluation.<\/li> <li><strong>Commercial Banking Growth<\/strong>: Aggressive hiring of C&amp;I bankers is already driving loan portfolio expansion.<\/li> <li><strong>Strong Fundamentals<\/strong>: 21.73% net profit margin and $376M revenue demonstrate operational excellence.<\/li> <li><strong>Analyst Support<\/strong>: 8 analysts maintain favorable ratings with $21.25 average price target.<\/li> <\/ul> <h2>\ud83c\udfaf Beginner Trader Action Plan<\/h2> <p>So what should you do today? Here's my straightforward advice:<\/p> <ol> <li><strong>Start Small<\/strong>: Begin with a position representing 2-3% of your portfolio - enough to matter but not enough to hurt if wrong<\/li> <li><strong>Dollar-Cost Average<\/strong>: Instead of one lump sum, invest fixed amounts weekly\/monthly to smooth out entry points<\/li> <li><strong>Set Earnings Alert<\/strong>: Mark October 16th and be ready to buy if there's a post-earnings dip<\/li> <li><strong>Think Long-Term<\/strong>: This isn't a quick trade - plan to hold for 2-3 years minimum<\/li> <\/ol> <p>And my veteran trader wisdom? \"Trying to time OCFC perfectly is like waiting for the perfect wave at the Jersey Shore - you'll miss the whole summer waiting. Sometimes you just need to jump in and enjoy the ride!\"<\/p> <h2>\u2705 Step-by-Step: How to Buy OceanFirst Financial Corp (OCFC) Shares<\/h2> <table> <thead> <tr><th>Step<\/th><th>Action<\/th><th>Why It Matters<\/th><\/tr> <\/thead> <tbody> <tr><td>1<\/td><td>Choose Your Platform<\/td><td>Select a broker that offers NASDAQ trading with reasonable fees<\/td><\/tr> <tr><td>2<\/td><td>Complete Account Setup<\/td><td>Provide required documentation and fund your account<\/td><\/tr> <tr><td>3<\/td><td>Search \"OCFC\"<\/td><td>Use the exact ticker symbol, not just the company name<\/td><\/tr> <tr><td>4<\/td><td>Select Order Type<\/td><td>Use limit orders to control your entry price rather than market orders<\/td><\/tr> <tr><td>5<\/td><td>Review and Confirm<\/td><td>Double-check order details including quantity and price before submitting<\/td><\/tr> <tr><td>6<\/td><td>Monitor Your Position<\/td><td>Set price alerts to stay informed about significant movements<\/td><\/tr> <tr><td>7<\/td><td>Plan Your Exit Strategy<\/td><td>Determine profit targets and stop-loss levels in advance<\/td><\/tr> <\/tbody> <\/table> <h2>\ud83d\udca1 Why Pocket Option Makes Sense for OCFC Investing<\/h2> <p>For new investors looking to build positions in stocks like OceanFirst Financial, Pocket Option offers several advantages that align perfectly with a measured investment approach:<\/p> <ul> <li><strong>Minimum Deposit<\/strong>: Just $5 gets you started - perfect for testing strategies with real money without significant risk<\/li> <li><strong>Rapid Verification<\/strong>: 1-minute KYC process using any single document means you can start trading almost immediately<\/li> <li><strong>Diverse Withdrawal Options<\/strong>: Over 100 methods including crypto, e-wallets, and traditional banking gives you flexibility<\/li> <\/ul> <p>The platform's user-friendly interface makes it ideal for executing the dollar-cost averaging strategy I recommended earlier, allowing you to build your OCFC position gradually while managing risk effectively.<\/p> <h2>\ud83c\udfe6 OceanFirst Financial in 2025: More Than Just a Bank<\/h2> <p>OceanFirst Financial Corp operates as the holding company for OceanFirst Bank N.A., providing comprehensive financial services across retail, business, and government sectors. With headquarters in Toms River, New Jersey, they've built a reputation for community-focused banking while expanding their commercial capabilities.<\/p> <p>What makes them interesting in 2025? Their strategic \"Premier Bank\" initiative aimed at organic deposit growth and margin improvement, combined with aggressive commercial banking expansion through new hires. They're not just maintaining - they're growing strategically.<\/p> <p><strong>Interesting Fact for 2025<\/strong>: OceanFirst's commercial banking team has grown so rapidly that they've had to redesign their corporate headquarters twice in the past 18 months to accommodate all the new relationship managers! This expansion speaks volumes about their growth trajectory and commitment to market share gains.<\/p>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<h2>\ud83d\udcc8 Current Market Position and Price Analysis<\/h2>\n<p>As of September 1, 2025, OceanFirst Financial Corp (OCFC) is trading at <strong>$17.13<\/strong> per share. This price represents a fascinating point in the stock&#8217;s journey &#8211; sitting comfortably above its April 2025 low of $14.29 but still below its 52-week high of $21.87.<\/p>\n<p><strong>Mark your calendar: October 16, 2025<\/strong> is your next critical date. That&#8217;s when OceanFirst releases its Q3 earnings report. Historically, these announcements create significant price movements that savvy investors can capitalize on.<\/p>\n<h3>Earnings Impact Analysis: What History Teaches Us<\/h3>\n<p>Looking at recent earnings patterns reveals valuable insights for timing your investment:<\/p>\n<p><strong>July 25, 2025 (Q2 Earnings)<\/strong>: The stock experienced mixed reactions despite reporting decreased net income. The simultaneous announcement of a 3 million share buyback program created competing forces that actually stabilized the price around current levels.<\/p>\n<p><strong>Previous Pattern<\/strong>: When OceanFirst misses earnings expectations (as they did in Q2 with -6.06% EPS surprise), the stock typically experiences a 3-5 day dip followed by gradual recovery as investors focus on long-term fundamentals rather than quarterly fluctuations.<\/p>\n<p>The key lesson? Earnings misses often create buying opportunities rather than panic scenarios for fundamentally strong regional banks.<\/p>\n<div class=\"po-container po-container_width_article\">\n   <div class=\"po-cta-green__wrap\">\n      <a href=\"https:\/\/pocketoption.com\/en\/register\/\" class=\"po-cta-green\">Start trading\n         <span class=\"po-cta-green__icon\">\n            <svg width=\"24\" height=\"24\" fill=\"none\" aria-hidden=\"true\">\n               <use href=\"#svg-arrow-cta\"><\/use>\n            <\/svg>\n         <\/span>\n      <\/a>\n   <\/div>\n<\/div>\n<h2>\ud83d\udcca 6-Month Performance Journey: Rollercoaster with Purpose<\/h2>\n<p>OceanFirst&#8217;s stock has taken investors on quite the ride since March 2025:<\/p>\n<ul>\n<li><strong>March 2025<\/strong>: -5.55% decline as banking sector uncertainties weighed heavily<\/li>\n<li><strong>April 2025<\/strong>: Hit rock bottom at $14.29 (-2.65% monthly) &#8211; the absolute low point<\/li>\n<li><strong>May 2025<\/strong>: +1.51% recovery as stability returned<\/li>\n<li><strong>June 2025<\/strong>: Strong +4.76% bounce showing renewed confidence<\/li>\n<li><strong>July 2025<\/strong>: Impressive +6.64% surge reaching $18.88 highs<\/li>\n<\/ul>\n<p>This pattern tells a story of resilience. Despite sector-wide challenges, OCFC demonstrated remarkable recovery ability, gaining nearly 12% from April lows to July highs. The volume patterns tell an equally important story &#8211; heavy trading during declines (6M+ shares) followed by stabilization at lower volumes (823K shares) suggests smart money accumulation during weakness.<\/p>\n<h2>\ud83d\udd2e Price Forecast: 2025-2030 Outlook<\/h2>\n<p>Based on current analyst consensus and fundamental analysis, here&#8217;s what you can expect:<\/p>\n<ul>\n<li><strong>2025 Year-End<\/strong>: $19-21 range (11-23% upside from current $17.13)<\/li>\n<li><strong>2026 Projection<\/strong>: $22-25 (28-46% growth) driven by commercial banking expansion<\/li>\n<li><strong>2028 Outlook<\/strong>: $27-32 (58-87% appreciation) as Premier Bank program matures<\/li>\n<li><strong>2030 Vision<\/strong>: $35-42 (104-145% total return) through sustained execution<\/li>\n<\/ul>\n<p><strong>Verdict<\/strong>: STRONG BUY for long-term investors. The combination of attractive valuation (PE 10.33), robust buyback program, and strategic growth initiatives creates a compelling risk-reward scenario.<\/p>\n<h2>\u26a0\ufe0f Risk Assessment: What Could Go Wrong?<\/h2>\n<p>Every investment carries risks, and OCFC is no exception:<\/p>\n<ul>\n<li><strong>Interest Rate Sensitivity<\/strong>: As a regional bank, profitability depends heavily on interest rate spreads. Federal Reserve policy changes could compress margins.<\/li>\n<li><strong>Regional Concentration<\/strong>: Heavy New Jersey focus makes them vulnerable to local economic downturns.<\/li>\n<li><strong>Competition Pressure<\/strong>: Larger national banks and fintech companies are aggressively competing for the same customers.<\/li>\n<li><strong>Regulatory Changes<\/strong>: Banking regulations constantly evolve, potentially increasing compliance costs.<\/li>\n<\/ul>\n<h2>\ud83d\udfe2 Positive Signals: Why the Optimism?<\/h2>\n<p>Several factors suggest OCFC is positioned for success:<\/p>\n<ul>\n<li><strong>5% Stock Buyback<\/strong>: The 3 million share repurchase program <a href=\"https:\/\/www.globenewswire.com\/news-release\/2025\/07\/16\/3116904\/8280\/en\/OceanFirst-Financial-Corp-Announces-2025-Stock-Repurchase-Program.html\">announced in July 2025<\/a> shows management&#8217;s confidence in undervaluation.<\/li>\n<li><strong>Commercial Banking Growth<\/strong>: Aggressive hiring of C&amp;I bankers is already driving loan portfolio expansion.<\/li>\n<li><strong>Strong Fundamentals<\/strong>: 21.73% net profit margin and $376M revenue demonstrate operational excellence.<\/li>\n<li><strong>Analyst Support<\/strong>: 8 analysts maintain favorable ratings with $21.25 average price target.<\/li>\n<\/ul>\n<h2>\ud83c\udfaf Beginner Trader Action Plan<\/h2>\n<p>So what should you do today? Here&#8217;s my straightforward advice:<\/p>\n<ol>\n<li><strong>Start Small<\/strong>: Begin with a position representing 2-3% of your portfolio &#8211; enough to matter but not enough to hurt if wrong<\/li>\n<li><strong>Dollar-Cost Average<\/strong>: Instead of one lump sum, invest fixed amounts weekly\/monthly to smooth out entry points<\/li>\n<li><strong>Set Earnings Alert<\/strong>: Mark October 16th and be ready to buy if there&#8217;s a post-earnings dip<\/li>\n<li><strong>Think Long-Term<\/strong>: This isn&#8217;t a quick trade &#8211; plan to hold for 2-3 years minimum<\/li>\n<\/ol>\n<p>And my veteran trader wisdom? &#8220;Trying to time OCFC perfectly is like waiting for the perfect wave at the Jersey Shore &#8211; you&#8217;ll miss the whole summer waiting. Sometimes you just need to jump in and enjoy the ride!&#8221;<\/p>\n<h2>\u2705 Step-by-Step: How to Buy OceanFirst Financial Corp (OCFC) Shares<\/h2>\n<table>\n<thead>\n<tr>\n<th>Step<\/th>\n<th>Action<\/th>\n<th>Why It Matters<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>Choose Your Platform<\/td>\n<td>Select a broker that offers NASDAQ trading with reasonable fees<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>Complete Account Setup<\/td>\n<td>Provide required documentation and fund your account<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>Search &#8220;OCFC&#8221;<\/td>\n<td>Use the exact ticker symbol, not just the company name<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>Select Order Type<\/td>\n<td>Use limit orders to control your entry price rather than market orders<\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>Review and Confirm<\/td>\n<td>Double-check order details including quantity and price before submitting<\/td>\n<\/tr>\n<tr>\n<td>6<\/td>\n<td>Monitor Your Position<\/td>\n<td>Set price alerts to stay informed about significant movements<\/td>\n<\/tr>\n<tr>\n<td>7<\/td>\n<td>Plan Your Exit Strategy<\/td>\n<td>Determine profit targets and stop-loss levels in advance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\ud83d\udca1 Why Pocket Option Makes Sense for OCFC Investing<\/h2>\n<p>For new investors looking to build positions in stocks like OceanFirst Financial, Pocket Option offers several advantages that align perfectly with a measured investment approach:<\/p>\n<ul>\n<li><strong>Minimum Deposit<\/strong>: Just $5 gets you started &#8211; perfect for testing strategies with real money without significant risk<\/li>\n<li><strong>Rapid Verification<\/strong>: 1-minute KYC process using any single document means you can start trading almost immediately<\/li>\n<li><strong>Diverse Withdrawal Options<\/strong>: Over 100 methods including crypto, e-wallets, and traditional banking gives you flexibility<\/li>\n<\/ul>\n<p>The platform&#8217;s user-friendly interface makes it ideal for executing the dollar-cost averaging strategy I recommended earlier, allowing you to build your OCFC position gradually while managing risk effectively.<\/p>\n<h2>\ud83c\udfe6 OceanFirst Financial in 2025: More Than Just a Bank<\/h2>\n<p>OceanFirst Financial Corp operates as the holding company for OceanFirst Bank N.A., providing comprehensive financial services across retail, business, and government sectors. With headquarters in Toms River, New Jersey, they&#8217;ve built a reputation for community-focused banking while expanding their commercial capabilities.<\/p>\n<p>What makes them interesting in 2025? Their strategic &#8220;Premier Bank&#8221; initiative aimed at organic deposit growth and margin improvement, combined with aggressive commercial banking expansion through new hires. They&#8217;re not just maintaining &#8211; they&#8217;re growing strategically.<\/p>\n<p><strong>Interesting Fact for 2025<\/strong>: OceanFirst&#8217;s commercial banking team has grown so rapidly that they&#8217;ve had to redesign their corporate headquarters twice in the past 18 months to accommodate all the new relationship managers! This expansion speaks volumes about their growth trajectory and commitment to market share gains.<\/p>\n"},"faq":[{"question":"Is OceanFirst Financial Corp a good long-term investment?","answer":"Yes, with strong fundamentals, strategic growth initiatives, and attractive valuation metrics, OCFC presents compelling long-term potential for patient investors."},{"question":"What's the dividend history of OCFC stock?","answer":"OceanFirst has maintained consistent dividend payments, though the current focus on buybacks and growth investments may temporarily shift capital allocation strategies."},{"question":"How does the banking sector outlook affect OCFC?","answer":"While regional banks face challenges from interest rate environments and competition, OCFC's specific growth initiatives and strong execution provide relative outperformance potential."},{"question":"What minimum investment is recommended for beginners?","answer":"Start with whatever amount you're comfortable potentially losing - even $100-500 can establish a meaningful position given the current share price."},{"question":"How often should I check my OCFC investment?","answer":"For long-term holdings, quarterly check-ins around earnings are sufficient. Avoid daily monitoring which can lead to emotional decision-making."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"Is OceanFirst Financial Corp a good long-term investment?","answer":"Yes, with strong fundamentals, strategic growth initiatives, and attractive valuation metrics, OCFC presents compelling long-term potential for patient investors."},{"question":"What's the dividend history of OCFC stock?","answer":"OceanFirst has maintained consistent dividend payments, though the current focus on buybacks and growth investments may temporarily shift capital allocation strategies."},{"question":"How does the banking sector outlook affect OCFC?","answer":"While regional banks face challenges from interest rate environments and competition, OCFC's specific growth initiatives and strong execution provide relative outperformance potential."},{"question":"What minimum investment is recommended for beginners?","answer":"Start with whatever amount you're comfortable potentially losing - even $100-500 can establish a meaningful position given the current share price."},{"question":"How often should I check my OCFC investment?","answer":"For long-term holdings, quarterly check-ins around earnings are sufficient. Avoid daily monitoring which can lead to emotional decision-making."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to buy OceanFirst Financial Corp. (OCFC) shares - Investment in OceanFirst Financial Corp. (OCFC) stock<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pocketoption.com\/blog\/en\/news-events\/signal\/how-to-buy-oceanfirst-financial\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to buy OceanFirst Financial Corp. (OCFC) shares - Investment in OceanFirst Financial Corp. 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