OceanFirst Financial Corp. (OCFC) Quarterly Income Statement

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OceanFirst Financial Corp. (OCFC) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

OCFC Income Statement

OceanFirst Financial Corp. (OCFC) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q2'26	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

Net Interest Income	120.73M	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
NII Growth %	37.76%	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%
Net Interest Margin %	0.52%	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%
Interest Income	209.6M	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
Interest Expense	88.87M	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
Loan Loss Provision	0	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
Non-Interest Income	0	-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
Non-Interest Income %	0%	-1.91%	-17.01%	10.94%	10.77%	10.42%	11.75%	14.13%	10.75%	11.53%	11.01%	9.55%	7.73%	0.8%	19.81%	12.67%	6.22%	8.55%	9.28%	9.97%
Total Net Revenue	120.73M	94.64M	81.42M	101.79M	98.21M	96.73M	94.43M	95.75M	92.17M	97.46M	98.69M	100.6M	99.82M	99.59M	132.8M	109.88M	96.82M	92.1M	88.83M	85.68M
Revenue Growth %	22.93%	-2.17%	-13.77%	6.31%	6.55%	-0.74%	-4.32%	-4.82%	-7.66%	-2.14%	-25.68%	-8.45%	3.1%	8.14%	49.5%	28.25%	14.56%	-1.04%	-13.52%	2.51%
Non-Interest Expense	123.26M	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
Efficiency Ratio	102.1%	68.52%	74.77%	73.83%	71.6%	65.25%	67.48%	65.36%	62.43%	59.12%	59.98%	62.95%	61.83%	60.27%	44.04%	52.57%	59.02%	61.36%	71.67%	66.92%
Operating Income	-2.53M	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
Operating Margin %	-2.1%	28.59%	20.69%	22.15%	25.31%	29.23%	28.97%	34.1%	34.19%	40.27%	36.82%	26.83%	36.94%	36.7%	53.21%	46.51%	39.68%	36.63%	30.1%	36.79%
Operating Income Growth %	-110.19%	-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%
Pretax Income	-2.53M	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
Pretax Margin %	-2.1%	28.59%	20.69%	22.15%	25.31%	29.23%	28.85%	34.1%	34.19%	40.27%	36.82%	26.83%	36.94%	36.7%	53.21%	46.51%	39.68%	36.63%	30.1%	36.79%
Income Tax	496K	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
Effective Tax Rate %	-19.58%	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%
Net Income	-3.03M	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
Net Margin %	-2.51%	21.67%	16.08%	17.03%	19.39%	22.23%	23.2%	26.23%	26.44%	29.41%	28.05%	20.54%	27.85%	28%	40.12%	35.14%	29.91%	27.97%	25.51%	28.21%
Net Income Growth %	-115.9%	-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%
Net Income (Continuing)	-3.03M	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
EPS (Diluted)	-0.04	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
EPS Growth %	-115.39%	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%
EPS (Basic)	-0.04	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
Diluted Shares Outstanding	70.24M	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