OCFC · Oceanfirst Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | $73.40M | - | $76.33M | $71.47M | $64.29M | - | $63.74M | $58.62M | $58.67M | - |
| D&A | $2.64M | - | - | - | $2.54M | - | - | - | $2.87M | - |
| Operating Income | $27.05M | - | $22.54M | $24.86M | $28.27M | - | $32.65M | $31.51M | $39.25M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $75.38M | - |
| Income Tax | $6.55M | - | $5.16M | $5.77M | $6.81M | - | $7.46M | $7.08M | $10.64M | - |
| Net Income | $20.51M | - | $17.33M | $19.05M | $21.51M | - | $25.12M | $24.37M | $28.67M | - |
| EPS - Basic | $0.36 | - | $0.30 | $0.28 | $0.35 | - | $0.42 | $0.40 | $0.47 | - |
| EPS - Diluted | $0.36 | - | $0.30 | $0.28 | $0.35 | - | $0.42 | $0.40 | $0.47 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $136.98M | $135.13M | $274.13M | $170.60M | $163.72M | $123.61M | $214.17M | $181.20M | $130.42M | $153.72M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $14.56B | $14.56B | $14.32B | $13.33B | $13.31B | $13.42B | $13.49B | $13.32B | $13.42B | $13.54B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $255.23M | - | - | - | $197.55M | - | - | - | $196.46M |
| Total Liabilities | $12.89B | $12.90B | $12.67B | $11.68B | $11.60B | $11.72B | $11.79B | $11.65B | $11.75B | $11.88B |
| Stockholders' Equity | $1.67B | $1.66B | $1.65B | $1.64B | $1.71B | $1.70B | $1.69B | $1.68B | $1.67B | $1.66B |
| Retained Earnings | $671.66M | $662.62M | $660.97M | $655.10M | $650.55M | $641.73M | $632.48M | $620.02M | $608.36M | $592.54M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $25.21M | - | - | - | ($1.79M) | - | - | - | $46.11M | - |
| Investing Cash Flow | ($1.59M) | - | - | - | $123.61M | - | - | - | $120.60M | - |
| Financing Cash Flow | ($21.77M) | - | - | - | ($81.72M) | - | - | - | ($190.01M) | - |
| CapEx | $1.95M | - | - | - | $1.86M | - | - | - | $680.0K | - |
| Free Cash Flow | $23.26M | - | - | - | ($3.64M) | - | - | - | $45.43M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.13 | - | - | - | -0.17 | - | - | - | 1.58 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.2% | - | 22.9% | 23.3% | 24.0% | - | 22.9% | 22.5% | 27.1% | - |
| Return on assets | 0.1% | - | 0.1% | 0.1% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 1.2% | - | 1.0% | 1.2% | 1.3% | - | 1.5% | 1.5% | 1.7% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.15 | - | - | - | 0.12 | - | - | - | 0.12 |
| Debt / Assets | - | 0.02 | - | - | - | 0.01 | - | - | - | 0.01 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.5x | - |
| Equity multiplier | 8.72 | 8.76 | 8.67 | 8.11 | 7.79 | 7.89 | 7.96 | 7.95 | 8.06 | 8.15 |
| Liabilities / Assets | 0.89 | 0.89 | 0.88 | 0.88 | 0.87 | 0.87 | 0.87 | 0.87 | 0.88 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 50.1x | - | 58.6x | 62.9x | 48.6x | - | 44.3x | 39.7x | 34.9x | - |
| P / B | 0.6x | - | 0.6x | 0.6x | 0.6x | - | 0.6x | 0.6x | 0.6x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 30.0x | - | - | - | 26.8x | - | - | - | 19.8x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -4.3% | - | -31.0% | -21.1% | -28.0% | - | 21.0% | -14.5% | 7.4% | - |
| Net income growth (YoY) | -4.7% | - | -31.0% | -21.9% | -25.0% | - | 21.5% | -12.3% | 2.8% | - |
| EPS growth (YoY) | 2.9% | - | -28.6% | -30.0% | -25.5% | - | 27.3% | -11.1% | 2.2% | - |
| EPS CAGR (3y) | -7.8% | - | -22.3% | -15.9% | -5.9% | - | 2.5% | -6.5% | -3.9% | - |
| EPS CAGR (5y) | -7.4% | - | - | -2.0% | 5.3% | - | -3.0% | 1.6% | 2.3% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | 104.5% | - |
| FCF CAGR (5y) | -5.9% | - | - | - | - | - | - | - | 4.1% | - |
| Book value growth (YoY) | -2.3% | -2.3% | -2.4% | -2.0% | 2.6% | 2.4% | 3.5% | 3.1% | 3.5% | 4.8% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing OCEANFIRST FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$0.80/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| Apr 27, 2026 | $0.2000 |
| Feb 2, 2026 | $0.2000 |
| Nov 3, 2025 | $0.2000 |
| Aug 4, 2025 | $0.2000 |
| May 5, 2025 | $0.2000 |
| Feb 3, 2025 | $0.2000 |
| Nov 4, 2024 | $0.2000 |
| Aug 5, 2024 | $0.2000 |
| May 3, 2024 | $0.2000 |
| Feb 2, 2024 | $0.2000 |
| Nov 3, 2023 | $0.2000 |
| Aug 4, 2023 | $0.2000 |
| May 5, 2023 | $0.2000 |
| Feb 3, 2023 | $0.2000 |
| Nov 4, 2022 | $0.2000 |
| Aug 5, 2022 | $0.2000 |
| May 6, 2022 | $0.1700 |
| Feb 4, 2022 | $0.1700 |
| Nov 5, 2021 | $0.1700 |
| Aug 6, 2021 | $0.1700 |
| May 7, 2021 | $0.1700 |
| Feb 5, 2021 | $0.1700 |
| Nov 6, 2020 | $0.1700 |
| Jul 31, 2020 | $0.1700 |