OCFC

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OceanFirst Financial Corp.

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Key Metrics

Previous Close: $19.22
52-Week Range: $17.05 – $20.61
Market Cap: $1.84B
P/E (TTM): 23.85
EPS (TTM): 0.80
Dividend Yield: 4.16%

Advanced Metrics

Price/Book: 0.78
PEG Ratio: 1.15
Return on Equity: 2.37%
Return on Assets: 0.26%
Gross Margin: 0.00%
Operating Margin: 36.82%
Profit Margin: 11.20%
Current Ratio: —
Debt/Equity: —
Total Debt: $2.43B
Free Cash Flow: —
Revenue Growth: 32.20%
Earnings Growth: —
Enterprise Value: $3.95B

OCFC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$431.60M	$398.71M	$379.81M	$400.34M
Selling, General & Admin	$142.22M	$151.20M	$154.46M	$176.60M
Pretax Income	$193.92M	$136.76M	$130.66M	$92.52M
Income Tax	$46.56M	$32.70M	$30.27M	$21.49M
Net Income	$146.60M	$104.03M	$100.06M	$70.98M
Diluted EPS	2.42	1.70	1.65	1.17
Diluted Shares	58.88M	58.96M	58.30M	57.42M

OCFC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$167.95M	$153.72M	$123.61M	$135.13M
Receivables	$44.70M	$51.87M	$45.91M	$49.01M
Total Assets	$13.10B	$13.54B	$13.42B	$14.56B
Long-Term Debt	$1.41B	$973.40M	$1.20B	$1.58B
Total Debt	$1.41B	$974.82M	$1.20B	$1.58B
Total Liabilities	$11.52B	$11.88B	$11.72B	$12.90B
Retained Earnings	$540.51M	$592.54M	$641.73M	$662.62M
Shareholders' Equity	$1.58B	$1.66B	$1.70B	$1.66B
Net Debt	$1.24B	$819.68M	$1.07B	$1.44B

OCFC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$250.45M	$124.26M	$92.24M	$87.21M
Capital Expenditure	-$20.90M	-$7.71M	-$7.57M	-$7.70M
Free Cash Flow	$229.55M	$116.55M	$84.68M	$79.51M
Depreciation & Amortisation	$16.48M	$16.40M	$14.54M	$14.41M
Stock-Based Compensation	$9.14M	$7.92M	$7.20M	$6.04M
Investing Cash Flow	-$1.32B	-$488.00M	$106.40M	-$1.18B
Financing Cash Flow	$1.01B	$349.47M	-$228.75M	$1.10B
Dividends Paid	-$47.51M	-$51.27M	-$50.88M	-$48.25M
Share Repurchases	-$7.40M	$0.00	-$21.48M	-$82.28M
Net Change in Cash	-$56.80M	-$14.27M	-$30.10M	$11.52M

OCFC Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$96.73M	$98.21M	$101.79M	$103.60M	$102.10M
Selling, General & Admin	$40.83M	$44.68M	$45.54M	$45.55M	$43.66M
Pretax Income	$28.27M	$24.86M	$22.54M	$16.85M	$27.05M
Income Tax	$6.81M	$5.77M	$5.16M	$3.75M	$6.55M
Net Income	$21.51M	$19.05M	$17.33M	$13.09M	$20.51M
Diluted EPS	0.35	0.28	0.30	0.23	0.36
Diluted Shares	58.11M	57.74M	57.04M	56.95M	57.05M

OCFC Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$163.72M	$170.60M	$274.13M	$135.13M	$136.98M
Receivables	$44.84M	$44.03M	$47.61M	$49.01M	$49.59M
Total Assets	$13.31B	$13.33B	$14.32B	$14.56B	$14.56B
Long-Term Debt	$1.09B	$1.14B	$1.90B	$1.58B	$1.44B
Total Debt	$1.09B	$1.14B	$1.90B	$1.58B	$1.44B
Total Liabilities	$11.60B	$11.68B	$12.67B	$12.90B	$12.89B
Retained Earnings	$650.55M	$655.10M	$660.97M	$662.62M	$671.66M
Shareholders' Equity	$1.71B	$1.64B	$1.65B	$1.66B	$1.67B
Net Debt	$925.11M	$966.11M	$1.63B	$1.44B	$1.30B

OCFC Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$1.79M	$28.58M	$24.41M	$36.00M	$25.21M
Capital Expenditure	-$1.86M	-$1.39M	-$1.57M	-$2.88M	-$1.95M
Free Cash Flow	-$3.64M	$27.19M	$22.84M	$33.12M	$23.26M
Depreciation & Amortisation	$3.54M	$3.55M	$3.65M	$3.68M	$3.75M
Stock-Based Compensation	$2.03M	$1.08M	$1.16M	$1.76M	$1.26M
Investing Cash Flow	$123.61M	-$23.68M	-$888.20M	-$387.34M	-$1.59M
Financing Cash Flow	-$81.72M	$1.98M	$967.31M	$212.34M	-$21.77M
Dividends Paid	-$12.69M	-$12.65M	-$11.45M	-$11.45M	-$11.46M
Share Repurchases	-$6.90M	-$74.78M	-$42.00K	-$558.00K	-$3.39M
Net Change in Cash	$40.11M	$6.88M	$103.53M	-$139.00M	$1.85M

Market Snapshot

About

OceanFirst Financial Corp. is a community bank holding company serving New Jersey and the greater Philadelphia metropolitan area with commercial and retail banking services.