OceanFirst Financial Corp. (OCFC) Earnings History
Profitable31 years of earnings data (1995–2025) · Positive TTM net income
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OceanFirst Financial Corp. (OCFC) Earnings Overview
As of June 22, 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% |
| 2015 | $20M | +2.0% | $31M | $1.21 | 20.2% | 31.1% |
| 2014 | $20M | +22.0% | $31M | $1.19 | 20.7% | 31.8% |
| 2013 | $16M | -18.4% | $25M | $0.95 | 18.0% | 27.5% |
| 2012 | $20M | -3.5% | $31M | $1.12 | 19.3% | 29.8% |
| 2011 | $21M | +1.8% | $32M | $1.14 | 18.9% | 29.4% |
| 2010 | $20M | +30.2% | $31M | $1.12 | 17.7% | 26.7% |
| 2009 | $16M | +6.0% | $25M | $0.98 | 14.0% | 22.3% |
| 2008 | $15M | +1273.4% | $22M | $1.26 | 12.7% | 18.6% |
| 2007 | $1M | -91.5% | $935,000 | $0.09 | 0.9% | 0.8% |
| 2006 | $13M | -35.2% | $19M | $1.07 | 9.7% | 14.7% |
| 2005 | $19M | +8.6% | $30M | $1.60 | 15.4% | 23.5% |
| 2004 | $18M | -9.7% | $28M | $1.42 | 16.1% | 24.8% |
| 2003 | $20M | -1.3% | $31M | $1.53 | 17.5% | 27.2% |
| 2002 | $20M | +10.9% | $30M | $1.47 | 16.9% | 25.1% |
| 2001 | $18M | +10.8% | $29M | $1.23 | 13.9% | 22.4% |
| 2000 | $16M | +0.5% | $23M | $1.03 | 13.4% | 19.0% |
| 1999 | $16M | +25.4% | $25M | $0.89 | 14.5% | 22.2% |
| 1998 | $13M | -5.8% | $20M | $0.63 | 12.0% | 18.7% |
| 1997 | $14M | +911.8% | $22M | $0.54 | 13.6% | 21.2% |
| 1996 | -$2M | -121.4% | $-600,000 | $-0.26 | -2.0% | -0.7% |
| 1995 | $8M | - | $13M | $0.29 | 18.8% | 29.8% |
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OCFC — Frequently Asked Questions
Quick answers to the most common questions about buying OCFC stock.
What is OCFC earnings per share (EPS)?
OCFC trailing twelve-month (TTM) diluted EPS is $1.25, reflecting -29.1% year-over-year growth. The 5-year EPS CAGR is +2.8%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is OceanFirst Financial Corp.'s net income?
OceanFirst Financial Corp. (OCFC) trailing twelve-month net income is $71M as of 2025. Earnings declined -29.1% year-over-year. OceanFirst Financial Corp. has been profitable for 29 consecutive years.
Is OCFC profitable?
Yes, OCFC is profitable with a TTM net income of $71M and a net profit margin of +10.8%. OceanFirst Financial Corp. has generated profits for 29 consecutive years.
What is OCFC's earnings growth rate?
OCFC compound annual EPS growth rates (CAGR): 1-Year: -29.1%, 3-Year: -21.5%, 5-Year: +2.8%, 10-Year: -0.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are OCFC's profit margins?
OceanFirst Financial Corp. net profit margin is +10.8%, operating margin is +14.1%, and gross margin is +54.5%. Margins are within a typical range for the sector. Return on Equity is +4.2%.
Is OCFC growing earnings?
OCFC earnings are declining — EPS fell -29.1% year-over-year. TTM net income dropped to $71M. This contrasts with the 5-year CAGR of +2.8%.
What was OCFC's best earnings year?
OceanFirst Financial Corp.'s highest annual net income on record is $147M, achieved in fiscal year 2022. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were OCFC's earnings last quarter?
OCFC's most recent reported quarter was Q4 2025. Net income was $13M with diluted EPS of $0.23. For a full breakdown of all quarters, see the quarterly earnings table on this page.