What is Oceanfirst Finl Corp's earnings per share (EPS)?

Oceanfirst Finl Corp (OCFC) reported diluted earnings per share of $1.17 for fiscal year 2025. This represents a -29.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Oceanfirst Finl Corp Financials

OCFC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Oceanfirst Finl Corp (OCFC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 52/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Oceanfirst Finl Corp's revenue grew a modest 0.0% year-over-year to $642.5M. This slow but positive growth earns a score of 33/100.

Leverage

Oceanfirst Finl Corp carries a low D/E ratio of 0.15, meaning only $0.15 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Oceanfirst Finl Corp has a free cash flow margin of 12.4%, earning a moderate score of 56/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Oceanfirst Finl Corp generates a 4.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is down from 5.9% the prior year.

Piotroski F-Score Neutral

4/9

Oceanfirst Finl Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.23x

For every $1 of reported earnings, Oceanfirst Finl Corp generates $1.23 in operating cash flow ($87.2M OCF vs $71.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$642.5M

YoY+0.0%

5Y CAGR+11.1%

10Y CAGR+22.3%

Oceanfirst Finl Corp generated $642.5M in revenue in fiscal year 2025. This represents an increase of 0.0% from the prior year.

EBITDA

N/A

Net Income

$71.0M

YoY-29.1%

5Y CAGR+2.3%

10Y CAGR+13.3%

Oceanfirst Finl Corp reported $71.0M in net income in fiscal year 2025. This represents a decrease of 29.1% from the prior year.

EPS (Diluted)

$1.17

YoY-29.1%

5Y CAGR+2.8%

10Y CAGR-0.3%

Oceanfirst Finl Corp earned $1.17 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 29.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$79.5M

YoY-6.1%

5Y CAGR-7.6%

10Y CAGR+12.5%

Oceanfirst Finl Corp generated $79.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 6.1% from the prior year.

Cash & Debt

$135.1M

YoY+9.3%

5Y CAGR-36.6%

Oceanfirst Finl Corp held $135.1M in cash against $255.2M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.80

YoY+0.0%

5Y CAGR+3.3%

Oceanfirst Finl Corp paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

57M

YoY-2.0%

5Y CAGR-1.0%

10Y CAGR+12.7%

Oceanfirst Finl Corp had 57M shares outstanding in fiscal year 2025. This represents a decrease of 2.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.1%

YoY-4.5pp

5Y CAGR-5.6pp

10Y CAGR-12.6pp

Oceanfirst Finl Corp's net profit margin was 11.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.5 percentage points from the prior year.

Return on Equity

4.3%

YoY-1.6pp

5Y CAGR+0.0pp

10Y CAGR-4.3pp

Oceanfirst Finl Corp's ROE was 4.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$24.9M

YoY+16.0%

5Y CAGR+11.0%

10Y CAGR+14.5%

Oceanfirst Finl Corp spent $24.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 16.0% from the prior year.

Capital Expenditures

$7.7M

YoY+1.8%

5Y CAGR-12.2%

10Y CAGR+7.1%

Oceanfirst Finl Corp invested $7.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 1.8% from the prior year.

OCFC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$642.5M0.0%	$642.2M+5.6%	$608.0M+41.0%	$431.2M+26.0%	$342.1M-9.9%	$379.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$282.2M-8.4%	$308.1M+29.3%	$238.2M+343.7%	$53.7M+46.1%	$36.8M-44.9%	$66.7M
Income Tax	$21.5M-29.0%	$30.3M-7.4%	$32.7M-29.8%	$46.6M+44.8%	$32.2M+81.4%	$17.7M
Net Income	$71.0M-29.1%	$100.1M-3.8%	$104.0M-29.0%	$146.6M+33.2%	$110.1M+73.9%	$63.3M
EPS (Diluted)	$1.17-29.1%	$1.65-2.9%	$1.70-29.8%	$2.42+36.0%	$1.78+74.5%	$1.02

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$171.7M+5.9%	$162.2M+4.8%	$154.8M+0.7%	$153.7M-3.7%	$159.6M-1.2%	$161.5M+1.3%	$159.4M-1.3%	$161.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$76.5M+6.9%	$71.5M+6.5%	$67.2M+0.2%	$67.1M-12.1%	$76.3M-3.8%	$79.3M+2.8%	$77.2M+2.4%	$75.4M
Income Tax	$3.8M-27.2%	$5.2M-10.7%	$5.8M-15.2%	$6.8M+33.9%	$5.1M-31.9%	$7.5M+5.4%	$7.1M-33.4%	$10.6M
Net Income	$13.1M-24.4%	$17.3M-9.0%	$19.0M-11.5%	$21.5M-1.8%	$21.9M-12.8%	$25.1M+3.0%	$24.4M-15.0%	$28.7M
EPS (Diluted)	N/A	$0.30+7.1%	$0.28-20.0%	$0.35	N/A	$0.42+5.0%	$0.40-14.9%	$0.47

OCFC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$14.6B+8.5%	$13.4B-0.9%	$13.5B+3.3%	$13.1B+11.6%	$11.7B+2.5%	$11.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$135.1M+9.3%	$123.6M-19.6%	$153.7M-8.5%	$168.0M-25.3%	$224.8M-83.0%	$1.3B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$517.5M-1.1%	$523.3M+3.4%	$506.1M0.0%	$506.1M+1.2%	$500.3M0.0%	$500.3M
Total Liabilities	$12.9B+10.1%	$11.7B-1.3%	$11.9B+3.1%	$11.5B+12.7%	$10.2B+2.6%	$10.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$255.2M+29.2%	$197.5M+0.6%	$196.5M+0.5%	$195.4M-14.7%	$229.1M-2.7%	$235.5M
Total Equity	$1.7B-2.3%	$1.7B+2.4%	$1.7B+4.8%	$1.6B+4.5%	$1.5B+2.2%	$1.5B
Retained Earnings	$662.6M+3.3%	$641.7M+8.3%	$592.5M+9.6%	$540.5M+22.2%	$442.3M+16.9%	$378.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$14.6B+1.7%	$14.3B+7.5%	$13.3B+0.1%	$13.3B-0.8%	$13.4B-0.5%	$13.5B+1.3%	$13.3B-0.7%	$13.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$135.1M-50.7%	$274.1M+60.7%	$170.6M+4.2%	$163.7M+32.4%	$123.6M-42.3%	$214.2M+18.2%	$181.2M+38.9%	$130.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$517.5M-1.1%	$523.3M0.0%	$523.3M0.0%	$523.3M0.0%	$523.3M+3.4%	$506.1M0.0%	$506.1M0.0%	$506.1M
Total Liabilities	$12.9B+1.8%	$12.7B+8.4%	$11.7B+0.7%	$11.6B-1.0%	$11.7B-0.6%	$11.8B+1.3%	$11.6B-0.9%	$11.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$255.2M	N/A	N/A	N/A	$197.5M	N/A	N/A	N/A
Total Equity	$1.7B+0.6%	$1.7B+0.6%	$1.6B-3.8%	$1.7B+0.4%	$1.7B+0.5%	$1.7B+1.1%	$1.7B+0.6%	$1.7B
Retained Earnings	$662.6M+0.2%	$661.0M+0.9%	$655.1M+0.7%	$650.5M+1.4%	$641.7M+1.5%	$632.5M+2.0%	$620.0M+1.9%	$608.4M

OCFC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$87.2M-5.5%	$92.2M-25.8%	$124.3M-50.4%	$250.4M+56.6%	$160.0M+20.6%	$132.7M
Capital Expenditures	$7.7M+1.8%	$7.6M-1.8%	$7.7M-52.1%	$16.1M-61.7%	$42.0M+185.4%	$14.7M
Free Cash Flow	$79.5M-6.1%	$84.7M-27.3%	$116.6M-50.3%	$234.3M+98.7%	$117.9M0.0%	$117.9M
Investing Cash Flow	-$1.2B-1204.9%	$106.4M+121.8%	-$488.0M+63.1%	-$1.3B+10.6%	-$1.5B-6566.3%	-$22.2M
Financing Cash Flow	$1.1B+580.8%	-$228.7M-165.5%	$349.5M-65.5%	$1.0B+352.6%	$224.0M-79.2%	$1.1B
Dividends Paid	$48.2M-5.2%	$50.9M-0.8%	$51.3M+7.9%	$47.5M+6.7%	$44.5M+3.7%	$42.9M
Share Buybacks	$24.9M+16.0%	$21.5M	$0-100.0%	$7.4M-79.5%	$36.1M+143.4%	$14.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$36.0M+47.5%	$24.4M-14.6%	$28.6M+1700.4%	-$1.8M-104.0%	$44.8M+300.1%	-$22.4M-194.4%	$23.7M-48.6%	$46.1M
Capital Expenditures	$2.9M+83.5%	$1.6M+12.7%	$1.4M-24.9%	$1.9M+14.7%	$1.6M+48.9%	$1.1M-74.0%	$4.2M+515.0%	$680K
Free Cash Flow	$33.1M+45.0%	$22.8M-16.0%	$27.2M+846.6%	-$3.6M-108.4%	$43.2M+284.0%	-$23.5M-220.2%	$19.5M-57.0%	$45.4M
Investing Cash Flow	-$387.3M+56.4%	-$888.2M-3650.8%	-$23.7M-119.2%	$123.6M+1537.7%	-$8.6M+94.4%	-$153.6M-203.8%	$148.0M+22.7%	$120.6M
Financing Cash Flow	$212.3M-78.0%	$967.3M+48877.7%	$2.0M+102.4%	-$81.7M+35.5%	-$126.8M-160.7%	$209.0M+272.8%	-$120.9M+36.4%	-$190.0M
Dividends Paid	$11.5M0.0%	$11.5M-9.5%	$12.7M-0.3%	$12.7M+0.3%	$12.7M0.0%	$12.7M-0.4%	$12.7M-1.1%	$12.9M
Share Buybacks	$558K+1228.6%	$42K-99.8%	$17.4M+152.4%	$6.9M+138040.0%	-$5K-100.4%	$1.4M-71.8%	$5.0M-67.2%	$15.1M

OCFC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.1%-4.5pp	15.6%-1.5pp	17.1%-16.9pp	34.0%+1.8pp	32.2%+15.5pp	16.7%
Return on Equity	4.3%-1.6pp	5.9%-0.4pp	6.3%-3.0pp	9.3%+2.0pp	7.3%+3.0pp	4.3%
Return on Assets	0.5%-0.3pp	0.8%-0.0pp	0.8%-0.3pp	1.1%+0.2pp	0.9%+0.4pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.15+0.0	0.120.0	0.120.0	0.12-0.0	0.150.0	0.16
FCF Margin	12.4%-0.8pp	13.2%-6.0pp	19.2%-35.2pp	54.4%+19.9pp	34.5%+3.4pp	31.1%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	7.6%-3.1pp	10.7%-1.6pp	12.3%-1.7pp	14.0%+0.3pp	13.7%-1.8pp	15.6%+0.3pp	15.3%-2.4pp	17.7%
Return on Equity	0.8%-0.3pp	1.1%-0.1pp	1.2%-0.1pp	1.3%-0.0pp	1.3%-0.2pp	1.5%+0.0pp	1.5%-0.3pp	1.7%
Return on Assets	0.1%-0.0pp	0.1%-0.0pp	0.1%-0.0pp	0.2%0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.15-7.5	7.67+0.6	7.11+0.3	6.79+6.7	0.12-6.8	6.96+0.0	6.95-0.1	7.06
FCF Margin	19.3%+5.2pp	14.1%-3.5pp	17.6%+19.9pp	-2.4%-29.4pp	27.1%+41.6pp	-14.5%-26.8pp	12.3%-15.9pp	28.1%

Similar Companies

Origin Bancorp OBK

$1.3B

Community Tr Bancorp Inc CTBI

$1.1B

Peoples Bancorp Inc PEBO

$1.2B

Tompkins Financl TMP

$1.1B

Firstsun Capital FSUN

$1.0B

Frequently Asked Questions

What is Oceanfirst Finl Corp's annual revenue?

Oceanfirst Finl Corp (OCFC) reported $642.5M in total revenue for fiscal year 2025. This represents a 0.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Oceanfirst Finl Corp's revenue growing?

Oceanfirst Finl Corp (OCFC) revenue grew by 0% year-over-year, from $642.2M to $642.5M in fiscal year 2025.

Is Oceanfirst Finl Corp profitable?

Yes, Oceanfirst Finl Corp (OCFC) reported a net income of $71.0M in fiscal year 2025, with a net profit margin of 11.1%.

How much debt does Oceanfirst Finl Corp have?

As of fiscal year 2025, Oceanfirst Finl Corp (OCFC) had $135.1M in cash and equivalents against $255.2M in long-term debt.

What is Oceanfirst Finl Corp's net profit margin?

Oceanfirst Finl Corp (OCFC) had a net profit margin of 11.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Oceanfirst Finl Corp pay dividends?

Yes, Oceanfirst Finl Corp (OCFC) paid $0.80 per share in dividends during fiscal year 2025.

What is Oceanfirst Finl Corp's return on equity (ROE)?

Oceanfirst Finl Corp (OCFC) has a return on equity of 4.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Oceanfirst Finl Corp's free cash flow?

Oceanfirst Finl Corp (OCFC) generated $79.5M in free cash flow during fiscal year 2025. This represents a -6.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Oceanfirst Finl Corp's operating cash flow?

Oceanfirst Finl Corp (OCFC) generated $87.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Oceanfirst Finl Corp's total assets?

Oceanfirst Finl Corp (OCFC) had $14.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Oceanfirst Finl Corp's capital expenditures?

Oceanfirst Finl Corp (OCFC) invested $7.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Oceanfirst Finl Corp buy back shares?

Yes, Oceanfirst Finl Corp (OCFC) spent $24.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Oceanfirst Finl Corp have outstanding?

Oceanfirst Finl Corp (OCFC) had 57M shares outstanding as of fiscal year 2025.

What is Oceanfirst Finl Corp's debt-to-equity ratio?

Oceanfirst Finl Corp (OCFC) had a debt-to-equity ratio of 0.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Oceanfirst Finl Corp's return on assets (ROA)?

Oceanfirst Finl Corp (OCFC) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Oceanfirst Finl Corp's Piotroski F-Score?

Oceanfirst Finl Corp (OCFC) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Oceanfirst Finl Corp's earnings high quality?

Oceanfirst Finl Corp (OCFC) has an earnings quality ratio of 1.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Oceanfirst Finl Corp?

Oceanfirst Finl Corp (OCFC) scores 52 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.