OceanFirst Financial Corp. (OCFC) Earnings History
Annual and quarterly earnings data from 1995 to 2025
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OCFC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
OCFC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 54.5% | 14.1% | 10.8% |
| 2024 | 54.1% | 19.0% | 14.5% |
| 2023 | 59.8% | 21.5% | 16.3% |
| 2022 | 87.3% | 40.0% | 30.2% |
| 2021 | 93.6% | 36.6% | 28.3% |
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OceanFirst Financial Corp. (OCFC) Earnings Overview
As of May 8, 2026, OceanFirst Financial Corp. (OCFC) reported trailing twelve-month net income of $71M, reflecting -29.1% year-over-year growth. The company earned $1.25 per diluted share over the past four quarters, with a net profit margin of 10.8%.
Looking at the long-term picture, OCFC's 5-year EPS compound annual growth rate (CAGR) stands at +2.8%, reflecting modest earnings expansion. The company achieved its highest annual net income of $147M in fiscal 2022.
OceanFirst Financial Corp. maintains positive profitability with a gross margin of 54.5%, operating margin of 14.1%, and net margin of 10.8%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), WSFS ($287M net income, 21.1% margin), TRMK ($224M net income, 20.0% margin), OCFC has room to improve margins relative to the peer group. Compare OCFC vs NBTB →
OCFC Earnings vs Peers
Earnings metrics vs comparable public companies
OCFC Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $71M | -29.1% | $93M | $1.17 | 10.8% | 14.1% |
| 2024 | $100M | -3.8% | $131M | $1.65 | 14.5% | 19.0% |
| 2023 | $104M | -29.0% | $137M | $1.70 | 16.3% | 21.5% |
| 2022 | $147M | +33.2% | $194M | $2.42 | 30.2% | 40.0% |
| 2021 | $110M | +73.9% | $142M | $1.78 | 28.3% | 36.6% |
| 2020 | $63M | -28.5% | $81M | $1.02 | 14.6% | 18.7% |
| 2019 | $89M | +23.1% | $107M | $1.75 | 25.7% | 31.1% |
| 2018 | $72M | +69.4% | $86M | $1.51 | 23.4% | 27.8% |
| 2017 | $42M | +84.3% | $65M | $1.28 | 20.0% | 30.8% |
| 2016 | $23M | +13.4% | $35M | $0.98 | 15.2% | 23.2% |
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Start ComparisonOCFC — Frequently Asked Questions
Quick answers to the most common questions about buying OCFC stock.
Is OCFC growing earnings?
OCFC EPS fell to $1.25, with earnings declining -29.1%. This contrasts with the 5-year CAGR of +2.8%. TTM net income dropped to $71M.
What are OCFC's profit margins?
OceanFirst Financial Corp. net margin is +10.8%, with operating margin at +14.1%. Margins sit within typical range for the sector.
How consistent are OCFC's earnings?
OCFC earnings data spans 1995-2025. The declining earnings trend is -29.1% YoY. Historical data enables comparison across business cycles.