OceanFirst Financial Corp. operates as a savings and loan holding company, which engages in the provision of financial services. The company is headquartered in Toms River, New Jersey and currently employs 898 full-time employees. (the Bank). The Bank is a regional community bank offering a variety of financial products and services to meet the needs of customers in the communities it serves. Its principal business is originating loans, consisting of commercial real estate and other commercial loans, and single-family, owner-occupied residential mortgage loans. The company delivers commercial and residential financing, treasury management, trust and asset management, and deposit services. The company also invests in other types of loans, including residential construction and consumer loans. The Bank primarily operates over 39 branch offices and various deposit production facilities located throughout central and southern New Jersey and the metropolitan areas of New York City and Philadelphia. The company also operates commercial loan production offices in New Jersey, New York City, the greater Philadelphia area, Pittsburgh, Washington D.C., Baltimore, and Boston.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
92
92
130
136
193
142
Income Tax Expense
21
21
30
32
46
32
Net Income
67
67
96
100
142
106
Net Income Growth
-30%
-30%
-4%
-30%
34%
74%
Shares Outstanding (Diluted)
56.89
57.42
58.29
58.95
58.9
59.6
Shares Change (YoY)
-2%
-2%
-1%
0%
-1%
-1%
EPS (Diluted)
1.16
1.16
1.64
1.69
2.42
1.78
EPS Growth
-28.99%
-28.99%
-3%
-30%
36%
75%
Free Cash Flow
79
79
84
116
229
118
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
14
14
14
16
16
14
EBIT
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EBIT Margin
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Effective Tax Rate
22.82%
22.82%
23.07%
23.52%
23.83%
22.53%
Follow-Up Questions
What are OceanFirst Financial Corp's key financial statements?
According to the latest financial statement (Form-10K), OceanFirst Financial Corp has a total asset of $14,564, Net profit of $67
What are the key financial ratios for OCFC?
OceanFirst Financial Corp's Current ratio is 1.12, has a Net margin is 0, sales per share of $0.
How is OceanFirst Financial Corp's revenue broken down by segment or geography?
OceanFirst Financial Corp largest revenue segment is Community Banking, at a revenue of 384,222,000 in the most earnings release.For geography, United States is the primary market for OceanFirst Financial Corp, at a revenue of 384,222,000.
Is OceanFirst Financial Corp profitable?
yes, according to the latest financial statements, OceanFirst Financial Corp has a net profit of $67
Does OceanFirst Financial Corp have any liabilities?
yes, OceanFirst Financial Corp has liability of 12,901
How many outstanding shares for OceanFirst Financial Corp?
OceanFirst Financial Corp has a total outstanding shares of 57.39