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OceanFirst Financial Corp.(OCFC)Earnings, Financials & Key Ratios
OCFC•NASDAQ•Banking & Credit
$19.04
$1.09B mkt cap·16.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutOceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing demand deposits, and time deposits to retail, government, and business customers. The company also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, overdraft line of credit, loans on savings accounts, and other consumer loans. In addition, it invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, the company offers bankcard, wealth management, and trust and asset management services; and sells alternative investment products and life insurance products. As of December 31, 2021, it operated through its branch office in Toms River; administrative office located in Red Bank and Mount Laurel; 46 additional branch offices and four deposit production facilities located throughout central and southern New Jersey; and commercial loan production offices in New Jersey, New York City, the Philadelphia area, Baltimore, and Boston. The company was founded in 1902 and is based in Red Bank, New Jersey.Show more
- Net Interest Income$360M+7.8%
- Total Revenue$656M-4.7%
- Net Income$71M-29.1%
- Return on Equity4.22%-29.1%
- Net Interest Margin2.47%-0.6%
- Efficiency Ratio40.37%+15.0%
- ROA0.51%-31.7%
- Equity / Assets11.42%-10.0%
- Book Value per Share28.95-0.9%
- Tangible BV/Share19.78-1.2%
- Debt/Equity0.98+32.9%
OCFC Key Insights
OceanFirst Financial Corp. (OCFC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 40.4% efficiency ratio
- ✓Well capitalized: 11.4% equity/assets
- ✓Healthy dividend yield of 4.4%
- ✓Trading at only 0.7x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
OCFC Price & Volume
OceanFirst Financial Corp. (OCFC) stock price & volume — 10-year historical chart
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OCFC Growth Metrics
OceanFirst Financial Corp. (OCFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years20.63%
5 Years8.61%
3 Years10.55%
TTM-
Profit CAGR
10 Years13.32%
5 Years2.31%
3 Years-21.48%
TTM-29.07%
EPS CAGR
10 Years-0.34%
5 Years2.78%
3 Years-21.51%
TTM-29.7%
Return on Capital
10 Years5.46%
5 Years5.21%
3 Years3.71%
Last Year2.71%
OCFC Recent Earnings
OceanFirst Financial Corp. (OCFC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 7/12 qtrs (64%)
Q2 2026Latest
Apr 23, 2026EPS
$0.43
Est $0.39
+10.3%
Revenue
$103M
Est $105M
-1.3%
Q1 2026
Feb 27, 2026EPS
$0.23
Revenue
$158M
Q1 2026
Jan 22, 2026EPS
$0.41
Est $0.39
+5.1%
Revenue
$105M
Est $103M
+1.5%
Q4 2025
Oct 22, 2025EPS
$0.36
Est $0.34
+5.9%
Revenue
$102M
Est $105M
-2.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.43vs $0.39+10.3% | $103Mvs $105M-1.3% |
| Q1 2026 | Feb 27, 2026 | $0.23 | $158M |
| Q1 2026 | Jan 22, 2026 | $0.41vs $0.39+5.1% | $105Mvs $103M+1.5% |
| Q4 2025 | Oct 22, 2025 | $0.36vs $0.34+5.9% | $102Mvs $105M-2.9% |
Based on last 12 quarters of dataView full earnings history →
OCFC Peer Comparison
OceanFirst Financial Corp. (OCFC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 | ||
 TRMK | 2.64B | 44.92 | 12.14 | 34.75% | 10.77% | 0.53 | ||
 FULT | 4.19B | 21.79 | 10.48 | 5.03% | 11.6% | 0.37 | ||
 AMSF | 556.33M | 29.60 | 11.98 | 2.63% | 14.27% | 9.68% | 0.00 | |
 ACNB | 551.12M | 53.23 | 14.79 | 28.89% | 9.2% | 0.78 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 | ||
 COLB | 7.19B | 30.20 | 13.13 | 8.35% | 8.39% | 0.51 |
Compare OCFC vs Peers
OceanFirst Financial Corp. (OCFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OCFC Income Statement
OceanFirst Financial Corp. (OCFC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 169.22M | 240.5M | 255.97M | 312.95M | 305.34M | 377.48M | 369.73M | 334.04M | 360.22M |
| NII Growth % | 40.71% | 42.13% | 6.43% | 22.26% | -2.43% | 23.63% | -2.05% | -9.65% | 7.84% |
| Net Interest Margin % | 3.12% | 3.2% | 3.1% | 2.73% | 2.6% | 2.88% | 2.73% | 2.49% | 2.47% |
| Interest Income | 188.83M | 276.65M | 308.79M | 379.61M | 342.09M | 431.18M | 607.97M | 642.17M | 642.45M |
| Interest Expense | 19.61M | 36.15M | 52.82M | 66.66M | 36.75M | 53.7M | 238.24M | 308.14M | 282.23M |
| Loan Loss Provision | 4.45M | 3.49M | 1.64M | 59.4M | -11.83M | 7.77M | 17.68M | 7.69M | 16.17M |
| Non-Interest Income | 23.51M | 30.62M | 36.21M | 54.21M | 46.75M | 54.12M | 28.98M | 45.77M | 13.14M |
| Non-Interest Income % | 11.07% | 9.96% | 10.5% | 12.5% | 12.02% | 11.15% | 4.55% | 6.65% | 2% |
| Total Revenue | 212.34M▲ 0% | 307.27M▲ 44.7% | 345M▲ 12.3% | 433.82M▲ 25.7% | 388.84M▼ 10.4% | 485.3M▲ 24.8% | 636.96M▲ 31.3% | 687.95M▲ 8.0% | 655.6M▼ 4.7% |
| Revenue Growth % | 40.17% | 44.71% | 12.28% | 25.74% | -10.37% | 24.81% | 31.25% | 8.01% | -4.7% |
| Non-Interest Expense | 122.96M | 182.13M | 183.19M | 226.72M | 221.68M | 229.91M | 244.27M | 241.47M | 264.68M |
| Efficiency Ratio | 57.91% | 59.27% | 53.1% | 52.26% | 57.01% | 47.38% | 38.35% | 35.1% | 40.37% |
| Operating Income | 65.33M▲ 0% | 85.5M▲ 30.9% | 107.36M▲ 25.6% | 81.04M▼ 24.5% | 142.24M▲ 75.5% | 193.92M▲ 36.3% | 136.76M▼ 29.5% | 130.66M▼ 4.5% | 92.52M▼ 29.2% |
| Operating Margin % | 30.76% | 27.83% | 31.12% | 18.68% | 36.58% | 39.96% | 21.47% | 18.99% | 14.11% |
| Operating Income Growth % | 85.59% | 30.89% | 25.56% | -24.51% | 75.52% | 36.33% | -29.47% | -4.47% | -29.19% |
| Pretax Income | 65.33M▲ 0% | 85.5M▲ 30.9% | 107.36M▲ 25.6% | 81.04M▼ 24.5% | 142.24M▲ 75.5% | 193.92M▲ 36.3% | 136.76M▼ 29.5% | 130.66M▼ 4.5% | 92.52M▼ 29.2% |
| Pretax Margin % | 30.76% | 27.83% | 31.12% | 18.68% | 36.58% | 39.96% | 21.47% | 18.99% | 14.11% |
| Income Tax | 22.86M | 13.57M | 18.78M | 17.73M | 32.16M | 46.56M | 32.7M | 30.27M | 21.49M |
| Effective Tax Rate % | 34.99% | 15.87% | 17.5% | 21.88% | 22.61% | 24.01% | 23.91% | 23.16% | 23.23% |
| Net Income | 42.47M▲ 0% | 71.93M▲ 69.4% | 88.57M▲ 23.1% | 63.31M▼ 28.5% | 110.08M▲ 73.9% | 146.6M▲ 33.2% | 104.03M▼ 29.0% | 100.06M▼ 3.8% | 70.98M▼ 29.1% |
| Net Margin % | 20% | 23.41% | 25.67% | 14.59% | 28.31% | 30.21% | 16.33% | 14.55% | 10.83% |
| Net Income Growth % | 84.28% | 69.37% | 23.14% | -28.52% | 73.87% | 33.18% | -29.04% | -3.81% | -29.07% |
| Net Income (Continuing) | 42.47M | 71.93M | 88.57M | 63.31M | 110.08M | 147.36M | 104.06M | 100.39M | 71.03M |
| EPS (Diluted) | 1.28▲ 0% | 1.51▲ 18.0% | 1.75▲ 15.9% | 1.02▼ 41.7% | 1.78▲ 74.5% | 2.42▲ 36.0% | 1.70▼ 29.8% | 1.65▼ 2.9% | 1.17▼ 29.1% |
| EPS Growth % | 30.61% | 17.97% | 15.89% | -41.71% | 74.51% | 35.96% | -29.75% | -2.94% | -29.09% |
| EPS (Basic) | 1.32 | 1.54 | 1.77 | 1.02 | 1.79 | 2.43 | 1.70 | 1.65 | 1.17 |
| Diluted Shares Outstanding | 33.13M | 47.66M | 50.75M | 60.07M | 59.65M | 58.88M | 58.96M | 58.3M | 57.42M |
OCFC Balance Sheet
OceanFirst Financial Corp. (OCFC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 191.19M | 221.51M | 271.5M | 1.46B | 773.2M | 625.59M | 907.61M | 951.12M | 1.37B |
| Cash & Due from Banks | 109.61M | 120.79M | 120.54M | 1.27B | 204.95M | 167.95M | 153.72M | 123.61M | 135.13M |
| Short Term Investments | 81.58M | 100.72M | 150.96M | 183.3M | 568.25M | 457.65M | 753.89M | 827.5M | 1.23B |
| Total Investments | 4.82B | 6.54B | 7.14B | 8.98B | 10.4B | 11.65B | 12.16B | 12.03B | 13.18B |
| Investments Growth % | 9.25% | 35.58% | 9.18% | 25.8% | 15.74% | 12.07% | 4.31% | -1% | 9.54% |
| Long-Term Investments | 4.74B | 6.44B | 6.99B | 8.8B | 9.83B | 11.2B | 11.4B | 11.21B | 11.95B |
| Accounts Receivables | 14.25M | 19.69M | 21.67M | 35.27M | 32.61M | 44.7M | 51.87M | 45.91M | 49.01M |
| Goodwill & Intangibles | 159.39M | 355.41M | 390.24M | 523.99M | 518.53M | 519.64M | 515.66M | 535.99M | 526.53M |
| Goodwill | 150.5M | 338.44M | 374.63M | 500.32M | 500.32M | 506.15M | 506.15M | 523.31M | 517.48M |
| Intangible Assets | 8.88M | 16.97M | 15.61M | 23.67M | 18.21M | 13.5M | 9.51M | 12.68M | 9.05M |
| PP&E (Net) | 101.78M | 111.21M | 102.69M | 107.09M | 125.83M | 126.7M | 121.37M | 115.26M | 112.74M |
| Other Assets | 204.65M | 304.75M | 419.5M | 526.03M | 459.51M | 591.95M | 539.92M | 566.36M | 559.2M |
| Total Current Assets | 205.45M | 241.2M | 293.18M | 1.49B | 805.81M | 670.3M | 959.48M | 997.03M | 1.42B |
| Total Non-Current Assets | 5.21B | 7.27B | 7.95B | 9.96B | 10.93B | 12.43B | 12.58B | 12.42B | 13.15B |
| Total Assets | 5.42B▲ 0% | 7.52B▲ 38.8% | 8.25B▲ 9.7% | 11.45B▲ 38.8% | 11.74B▲ 2.5% | 13.1B▲ 11.6% | 13.54B▲ 3.3% | 13.42B▼ 0.9% | 14.56B▲ 8.5% |
| Asset Growth % | 4.82% | 38.78% | 9.71% | 38.83% | 2.54% | 11.62% | 3.31% | -0.86% | 8.52% |
| Return on Assets (ROA) | 0.8% | 1.11% | 1.12% | 0.64% | 0.95% | 1.18% | 0.78% | 0.74% | 0.51% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 424.88M | 610.67M | 687.8M | 363.93M | 349.81M | 1.48B | 1.05B | 1.26B | 1.63B |
| Net Debt | 315.26M | 489.88M | 567.26M | -908.21M | 144.87M | 1.31B | 894.25M | 1.14B | 1.5B |
| Long-Term Debt | 345.21M | 548.91M | 616.06M | 235.47M | 229.14M | 1.41B | 973.4M | 1.2B | 1.58B |
| Short-Term Debt | 79.67M | 61.76M | 71.74M | 128.45M | 118.77M | 69.1M | 73.15M | 60.57M | 54.43M |
| Other Liabilities | 46.39M | 51.55M | 76.45M | 172.64M | 140.43M | 365.63M | 393.39M | 392.55M | 302.63M |
| Total Current Liabilities | 4.42B | 5.88B | 6.4B | 9.56B | 9.85B | 9.74B | 10.51B | 10.13B | 11.02B |
| Total Non-Current Liabilities | 391.6M | 600.47M | 692.51M | 408.11M | 371.48M | 1.77B | 1.37B | 1.59B | 1.88B |
| Total Liabilities | 4.81B | 6.48B | 7.09B | 9.96B | 10.22B | 11.52B | 11.88B | 11.72B | 12.9B |
| Total Equity | 601.94M▲ 0% | 1.04B▲ 72.7% | 1.15B▲ 10.9% | 1.48B▲ 28.7% | 1.52B▲ 2.2% | 1.59B▲ 4.5% | 1.66B▲ 4.8% | 1.7B▲ 2.5% | 1.66B▼ 2.4% |
| Equity Growth % | 5.23% | 72.67% | 10.95% | 28.71% | 2.18% | 4.54% | 4.82% | 2.46% | -2.36% |
| Equity / Assets (Capital Ratio) | 11.11% | 13.83% | 13.98% | 12.96% | 12.92% | 12.1% | 12.28% | 12.69% | 11.42% |
| Return on Equity (ROE) | 7.24% | 8.77% | 8.08% | 4.8% | 7.34% | 9.45% | 6.41% | 5.95% | 4.22% |
| Book Value per Share | 18.17 | 21.81 | 22.72 | 24.71 | 25.42 | 26.93 | 28.19 | 29.21 | 28.95 |
| Tangible BV per Share | 13.36 | 14.35 | 15.03 | 15.98 | 16.73 | 18.10 | 19.44 | 20.01 | 19.78 |
| Common Stock | 336K | 483K | 519K | 609K | 611K | 612K | 613K | 613K | 625K |
| Additional Paid-in Capital | 354.38M | 757.96M | 840.69M | 1.14B | 1.15B | 1.15B | 1.16B | 1.17B | 1.12B |
| Retained Earnings | 271.02M | 305.06M | 358.67M | 378.27M | 442.31M | 540.51M | 592.54M | 641.73M | 662.62M |
| Accumulated OCI | -5.35M | -3.45M | -1.21M | 621K | -2.82M | -35.98M | -20.86M | -15.85M | -2.16M |
| Treasury Stock | -15.97M | -10.84M | -36.9M | -25.65M | -61.71M | -69.11M | -69.11M | -90.62M | -115.56M |
| Preferred Stock | 0 | 0 | 0 | 1K | 1K | 1K | 1K | 1K | 0 |
OCFC Cash Flow Statement
OceanFirst Financial Corp. (OCFC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 80.13M | 92.55M | 100.25M | 132.66M | 159.97M | 250.45M | 124.26M | 92.24M | 87.21M |
| Operating CF Growth % | 139.74% | 15.5% | 8.32% | 32.33% | 20.59% | 56.56% | -50.38% | -25.77% | -5.46% |
| Net Income | 42.47M | 71.93M | 88.57M | 63.31M | 110.08M | 147.36M | 104.03M | 100.39M | 71.03M |
| Depreciation & Amortization | 8.43M | 12.62M | 12.43M | 14.73M | 14.88M | 16.48M | 16.4M | 14.54M | 14.41M |
| Deferred Taxes | 35.44M | -4.57M | 16.05M | -4.62M | 3.61M | 1.78M | 3.15M | -337K | 3.01M |
| Other Non-Cash Items | 6.87M | -4.2M | -508K | -21.83M | 30.16M | -4.08M | 15.37M | -17.52M | 21.38M |
| Working Capital Changes | -16.17M | 12.12M | -21.74M | 75.67M | -6.36M | 79.78M | -22.61M | -12.03M | -28.66M |
| Cash from Investing | -455.22M | 48.55M | -172.12M | -22.17M | -1.48B | -1.32B | -488M | 106.4M | -1.18B |
| Purchase of Investments | -195.31M | -39.72M | -64.75M | -398.11M | -1.04B | -328.61M | -376.14M | -266.84M | -817.36M |
| Sale/Maturity of Investments | 114.62M | 190.82M | 196.89M | 324.48M | 459.27M | 319.6M | 156.89M | 334.46M | 588.98M |
| Net Investment Activity | -80.69M | 151.11M | 132.14M | -73.63M | -584.71M | -9.01M | -219.25M | 67.62M | -228.38M |
| Acquisitions | 0 | -3.74M | 12.45M | 23.46M | 0 | 38.61M | 0 | -68.93M | 2.75M |
| Other Investing | -325.83M | -87.32M | -311.63M | 42.73M | -851.1M | -1.33B | -261.04M | 115.28M | -942.28M |
| Cash from Financing | 183.33M | -128.39M | 82.77M | 1.07B | 223.99M | 1.01B | 349.47M | -228.75M | 1.1B |
| Dividends Paid | -19.29M | -29.56M | -34.24M | -42.92M | -44.51M | -47.51M | -51.27M | -50.88M | -48.25M |
| Share Repurchases | 0 | -10.84M | -26.07M | -14.81M | -36.06M | -7.4M | 0 | -21.48M | -82.28M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 717K |
| Net Stock Activity | 0 | -10.84M | -26.07M | -14.81M | -36.06M | -7.4M | 0 | -21.48M | -81.56M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | 156.33M | -146.49M | 63.98M | 1.5B | 321.86M | -57.72M | 758.62M | -367.7M | 854.47M |
| Net Change in Cash | -191.76M▲ 0% | 12.71M▲ 106.6% | 10.9M▼ 14.3% | 1.19B▲ 10777.5% | -1.09B▼ 192.3% | -56.8M▲ 94.8% | -14.27M▲ 74.9% | -30.1M▼ 111.0% | 11.52M▲ 138.3% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 301.37M | 109.61M | 122.33M | 133.23M | 1.32B | 224.78M | 167.99M | 153.72M | 123.61M |
| Cash at End | 109.61M | 122.33M | 133.23M | 1.32B | 224.78M | 167.99M | 153.72M | 123.61M | 135.13M |
| Interest Paid | 20.22M | 36.45M | 52.31M | 66.45M | 37.38M | 49.7M | 225.41M | 320.26M | 279.17M |
| Income Taxes Paid | 6.01M | 2.32M | 20.01M | 5.74M | 50.52M | 25.38M | 29.33M | 33.79M | 20.69M |
| Free Cash Flow | 31.43M▲ 0% | 81.06M▲ 157.9% | 95.17M▲ 17.4% | 117.93M▲ 23.9% | 117.93M▲ 0.0% | 229.55M▲ 94.6% | 116.55M▼ 49.2% | 84.68M▼ 27.3% | 79.51M▼ 6.1% |
| FCF Growth % | 17.49% | 157.89% | 17.4% | 23.91% | 0% | 94.65% | -49.23% | -27.35% | -6.1% |
OCFC Banking Ratios
OceanFirst Financial Corp. (OCFC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.69% | 7.24% | 8.77% | 8.08% | 4.8% | 7.34% | 9.45% | 6.41% | 5.95% | 4.22% |
| Return on Assets (ROA) | 0.59% | 0.8% | 1.11% | 1.12% | 0.64% | 0.95% | 1.18% | 0.78% | 0.74% | 0.51% |
| Net Interest Margin | 2.33% | 3.12% | 3.2% | 3.1% | 2.73% | 2.6% | 2.88% | 2.73% | 2.49% | 2.47% |
| Efficiency Ratio | 66.34% | 57.91% | 59.27% | 53.1% | 52.26% | 57.01% | 47.38% | 38.35% | 35.1% | 40.37% |
| Equity / Assets | 11.07% | 11.11% | 13.83% | 13.98% | 12.96% | 12.92% | 12.1% | 12.28% | 12.69% | 11.42% |
| Book Value / Share | 24.32 | 18.17 | 21.81 | 22.72 | 24.71 | 25.42 | 26.93 | 28.19 | 29.21 | 28.95 |
| NII Growth | 56.53% | 40.71% | 42.13% | 6.43% | 22.26% | -2.43% | 23.63% | -2.05% | -9.65% | 7.84% |
| Dividend Payout | 54.74% | 45.41% | 41.1% | 38.66% | 67.79% | 40.44% | 32.41% | 49.29% | 50.85% | 67.97% |
OCFC SEC Filings & Documents
OceanFirst Financial Corp. (OCFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
OCFC Frequently Asked Questions
OceanFirst Financial Corp. (OCFC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
OceanFirst Financial Corp. (OCFC) saw revenue decline by 4.7% over the past year.
Yes, OceanFirst Financial Corp. (OCFC) is profitable, generating $71.0M in net income for fiscal year 2025 (10.8% net margin).
Dividend & Returns
Yes, OceanFirst Financial Corp. (OCFC) pays a dividend with a yield of 4.41%. This makes it attractive for income-focused investors.
OceanFirst Financial Corp. (OCFC) has a return on equity (ROE) of 4.2%. This is below average, suggesting room for improvement.
Industry Metrics
OceanFirst Financial Corp. (OCFC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
OceanFirst Financial Corp. (OCFC) has an efficiency ratio of 40.4%. This is excellent, indicating strong cost control.
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OceanFirst Financial Corp. (OCFC) financial analysis — history, returns, DCA and operating performance tools
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