OCFC

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OceanFirst Financial Corp.

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Key Metrics

Previous Close: $16.78
52-Week Range: $16.16 – $20.61
Market Cap: $1.63B
P/E (TTM): 21.02
EPS (TTM): 0.80
Dividend Yield: 4.77%

Advanced Metrics

Price/Book: 0.69
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: $3.72B

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	Q2 2026
Revenue	$96.73M	$98.21M	$101.79M	$103.60M	$102.10M	$130.23M
Selling, General & Admin	$40.83M	$44.68M	$45.54M	$45.55M	$43.66M	$56.23M
Pretax Income	$28.27M	$24.86M	$22.54M	$16.85M	$27.05M	-$2.53M
Income Tax	$6.81M	$5.77M	$5.16M	$3.75M	$6.55M	$496.00K
Net Income	$21.51M	$19.05M	$17.33M	$13.09M	$20.51M	-$3.03M
Diluted EPS	0.35	0.28	0.30	0.23	0.36	-0.04
Diluted Shares	58.11M	57.74M	57.04M	56.95M	57.05M	70.24M

OCFC Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$163.72M	$170.60M	$274.13M	$135.13M	$136.98M	$274.06M
Receivables	$44.84M	$44.03M	$47.61M	$49.01M	$49.59M	$91.50M
Total Assets	$13.31B	$13.33B	$14.32B	$14.56B	$14.56B	$23.27B
Long-Term Debt	$1.09B	$1.14B	$1.90B	$1.58B	$1.44B	$2.23B
Total Debt	$1.09B	$1.14B	$1.90B	$1.58B	$1.44B	$2.23B
Total Liabilities	$11.60B	$11.68B	$12.67B	$12.90B	$12.89B	$20.86B
Retained Earnings	$650.55M	$655.10M	$660.97M	$662.62M	$671.66M	$657.12M
Shareholders' Equity	$1.71B	$1.64B	$1.65B	$1.66B	$1.67B	$2.41B
Net Debt	$925.11M	$966.11M	$1.63B	$1.44B	$1.30B	$1.95B

OCFC Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$1.79M	$28.58M	$24.41M	$36.00M	$25.21M	$36.04M
Capital Expenditure	-$1.86M	-$1.39M	-$1.57M	-$2.88M	-$1.95M	-$2.58M
Free Cash Flow	-$3.64M	$27.19M	$22.84M	$33.12M	$23.26M	$33.46M
Depreciation & Amortisation	$3.54M	$3.55M	$3.65M	$3.68M	$3.75M	$5.88M
Stock-Based Compensation	$2.03M	$1.08M	$1.16M	$1.76M	$1.26M	$3.23M
Investing Cash Flow	$123.61M	-$23.68M	-$888.20M	-$387.34M	-$1.59M	$418.63M
Financing Cash Flow	-$81.72M	$1.98M	$967.31M	$212.34M	-$21.77M	-$317.59M
Dividends Paid	-$12.69M	-$12.65M	-$11.45M	-$11.45M	-$11.46M	-$11.51M
Share Repurchases	-$6.90M	-$74.78M	-$42.00K	-$558.00K	-$3.39M	-$3.60M
Net Change in Cash	$40.11M	$6.88M	$103.53M	-$139.00M	$1.85M	$137.08M

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.