OceanFirst Financial Corp. (OCFC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 96.45M | 95.28M | 90.66M | 87.64M | 86.65M | 83.33M | 82.22M | 82.26M | 86.22M | 87.82M | 91M | 92.11M | 98.8M | 106.49M | 95.97M | 90.8M | 84.23M | 80.59M | 77.13M | 74.02M |
| NII Growth % | 11.3% | 14.34% | 10.26% | 6.53% | 0.5% | -5.12% | -9.65% | -10.69% | -12.73% | -17.53% | -5.18% | 1.44% | 17.3% | 32.14% | 24.42% | 22.67% | 14.43% | 3.51% | 0.45% | -5.91% |
| Net Interest Margin % | 0.66% | 0.65% | 0.63% | 0.66% | 0.65% | 0.62% | 0.61% | 0.62% | 0.64% | 0.65% | 0.67% | 0.68% | 0.73% | 0.81% | 0.76% | 0.73% | 0.69% | 0.69% | 0.65% | 0.64% |
| Interest Income | 168.29M | 171.73M | 162.19M | 154.82M | 153.7M | 159.62M | 161.53M | 159.43M | 161.6M | 160.43M | 158.41M | 150.1M | 139.03M | 130.28M | 110.5M | 99.42M | 90.98M | 88.46M | 85.42M | 83.34M |
| Interest Expense | 71.84M | 76.45M | 71.54M | 67.19M | 67.05M | 76.29M | 79.31M | 77.16M | 75.38M | 72.61M | 67.41M | 57.99M | 40.23M | 23.79M | 14.53M | 8.62M | 6.76M | 7.87M | 8.29M | 9.32M |
| Loan Loss Provision | 2.74M | 3.7M | 4.09M | 3.04M | 5.34M | 3.47M | 517K | 3.11M | 591K | 3.15M | 10.28M | 1.23M | 3.01M | 3.65M | 1.02M | 1.25M | 1.85M | -1.57M | -3.18M | -6.46M |
| Non-Interest Income | -1.81M | -13.85M | 11.13M | 10.58M | 10.08M | 11.1M | 13.53M | 9.91M | 11.24M | 10.87M | 9.61M | 7.71M | 792K | 26.31M | 13.92M | 6.03M | 7.87M | 8.24M | 8.55M | 10.5M |
| Non-Interest Income % | -1.09% | -8.77% | 6.42% | 6.39% | 6.16% | 6.5% | 7.73% | 5.85% | 6.5% | 6.35% | 5.72% | 4.89% | 0.57% | 16.8% | 11.19% | 5.71% | 7.96% | 8.52% | 9.09% | 11.19% |
| Total Revenue | 166.48M | 157.88M | 173.33M | 165.4M | 163.79M | 170.72M | 175.06M | 169.34M | 172.84M | 171.3M | 168.02M | 157.81M | 139.83M | 156.59M | 124.42M | 105.44M | 98.85M | 96.7M | 93.97M | 93.84M |
| Revenue Growth % | 1.65% | -7.52% | -0.99% | -2.32% | -5.24% | -0.34% | 4.19% | 7.3% | 23.61% | 9.4% | 35.04% | 49.67% | 41.45% | 61.93% | 32.41% | 12.36% | -5.26% | -17.65% | -5.8% | -10.71% |
| Non-Interest Expense | 64.85M | 60.88M | 75.16M | 70.32M | 63.12M | 63.72M | 62.58M | 57.55M | 57.62M | 59.2M | 63.33M | 61.72M | 60.03M | 58.48M | 57.77M | 57.15M | 56.51M | 63.66M | 57.34M | 50.37M |
| Efficiency Ratio | 38.95% | 38.56% | 43.36% | 42.51% | 38.54% | 37.32% | 35.75% | 33.98% | 33.34% | 34.56% | 37.69% | 39.11% | 42.93% | 37.35% | 46.43% | 54.2% | 57.17% | 65.84% | 61.02% | 53.67% |
| Operating Income | 27.05M | 16.85M | 22.54M | 24.86M | 28.27M | 27.36M | 32.65M | 31.51M | 39.25M | 36.34M | 26.99M | 36.88M | 36.55M | 70.66M | 51.1M | 38.42M | 33.73M | 26.73M | 31.52M | 40.61M |
| Operating Margin % | 16.25% | 10.67% | 13.01% | 15.03% | 17.26% | 16.02% | 18.65% | 18.61% | 22.71% | 21.22% | 16.06% | 23.37% | 26.14% | 45.13% | 41.07% | 36.44% | 34.12% | 27.65% | 33.55% | 43.27% |
| Operating Income Growth % | -4.3% | -38.41% | -30.96% | -21.13% | -27.97% | -24.73% | 20.97% | -14.55% | 7.37% | -48.57% | -47.18% | -4.02% | 8.36% | 164.31% | 62.12% | -5.38% | -22.23% | -38.52% | 518.38% | 65.64% |
| Pretax Income | 27.05M | 16.85M | 22.54M | 24.86M | 28.27M | 27.25M | 32.65M | 31.51M | 39.25M | 36.34M | 26.99M | 36.88M | 36.55M | 70.66M | 51.1M | 38.42M | 33.73M | 26.73M | 31.52M | 40.61M |
| Pretax Margin % | 16.25% | 10.67% | 13.01% | 15.03% | 17.26% | 15.96% | 18.65% | 18.61% | 22.71% | 21.22% | 16.06% | 23.37% | 26.14% | 45.13% | 41.07% | 36.44% | 34.12% | 27.65% | 33.55% | 43.27% |
| Income Tax | 6.55M | 3.75M | 5.16M | 5.77M | 6.81M | 5.08M | 7.46M | 7.08M | 10.64M | 8.59M | 6.46M | 9M | 8.65M | 17.35M | 12.3M | 8.94M | 7.97M | 4.08M | 7.35M | 10.05M |
| Effective Tax Rate % | 24.2% | 22.28% | 22.87% | 23.22% | 24.08% | 18.66% | 22.86% | 22.47% | 27.1% | 23.64% | 23.93% | 24.39% | 23.68% | 24.56% | 24.07% | 23.27% | 23.64% | 15.25% | 23.33% | 24.76% |
| Net Income | 20.51M | 13.09M | 17.33M | 19.05M | 21.51M | 21.91M | 25.12M | 24.37M | 28.67M | 27.68M | 20.67M | 27.8M | 27.88M | 53.27M | 38.61M | 28.96M | 25.76M | 22.66M | 24.17M | 30.55M |
| Net Margin % | 12.32% | 8.29% | 10% | 11.51% | 13.13% | 12.83% | 14.35% | 14.39% | 16.59% | 16.16% | 12.3% | 17.61% | 19.94% | 34.02% | 31.03% | 27.47% | 26.06% | 23.43% | 25.72% | 32.56% |
| Net Income Growth % | -4.66% | -40.24% | -31% | -21.86% | -24.97% | -20.85% | 21.53% | -12.32% | 2.81% | -48.04% | -46.47% | -4.02% | 8.25% | 135.12% | 59.77% | -5.22% | -21.22% | -31.48% | 590.6% | 63.94% |
| Net Income (Continuing) | 20.51M | 13.09M | 17.39M | 19.09M | 21.46M | 22.16M | 25.19M | 24.43M | 28.61M | 27.75M | 20.53M | 27.88M | 27.9M | 53.31M | 38.8M | 29.48M | 25.76M | 22.66M | 24.17M | 30.55M |
| EPS (Diluted) | 0.36 | 0.23 | 0.30 | 0.28 | 0.35 | 0.36 | 0.42 | 0.40 | 0.47 | 0.45 | 0.33 | 0.45 | 0.46 | 0.89 | 0.64 | 0.47 | 0.42 | 0.37 | 0.39 | 0.49 |
| EPS Growth % | 2.86% | -36.11% | -28.57% | -30% | -25.53% | -20% | 27.27% | -11.11% | 2.17% | -49.44% | -48.44% | -4.26% | 9.52% | 140.54% | 64.1% | -4.08% | -20.75% | -30.19% | 490% | 58.06% |
| EPS (Basic) | 0.36 | 0.23 | 0.30 | 0.28 | 0.35 | 0.36 | 0.42 | 0.40 | 0.47 | 0.45 | 0.33 | 0.45 | 0.46 | 0.89 | 0.64 | 0.48 | 0.42 | 0.37 | 0.40 | 0.49 |
| Diluted Shares Outstanding | 57.05M | 56.95M | 57.04M | 57.89M | 58.11M | 58.05M | 58.07M | 58.36M | 58.79M | 59.12M | 59.11M | 59.15M | 58.92M | 58.75M | 58.8M | 58.99M | 58.94M | 59.01M | 59.52M | 59.97M |