OceanFirst Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	360.22	334.04	369.73	377.48	305.34
Net Interest Income Growth	7.84%	-9.65%	-2.05%	23.63%	-2.43%
Non-Interest Income	44.7	50.19	33.62	59.09	51.93
Non-Interest Income Growth	-10.93%	49.26%	-43.10%	13.79%	-29.75%
Revenues Before Loan Losses	404.92	384.22	403.36	436.57	357.27
Provision for Credit Losses	16.17	7.69	17.68	7.77	-11.83
Revenue	388.75	376.53	385.68	428.8	369.1
Revenue Growth (YoY)	3.25%	-2.37%	-10.06%	16.18%	12.71%
Compensation Expenses	159.35	138.34	135.8	131.92	120.01
Selling, General & Admin	91.12	79.36	89.01	77.17	72.04
Other Non-Interest Expenses	45.77	28.18	24.11	25.8	34.8
Total Non-Interest Expense	296.24	245.88	248.91	234.88	226.86
Pretax Income	92.52	130.66	136.77	193.92	142.24
Provision for Income Taxes	21.49	30.27	32.7	46.57	32.17
Net Income	67.13	96.05	100.01	142.59	106.06
Minority Interest in Earnings	0.05	0.33	0.04	0.75	-
Net Income Attributable to Preferred Dividends	3.85	4.02	4.02	4.02	4.02
Net Income to Common	67.13	96.05	100.01	142.59	106.06
Net Income Growth	-30.11%	-3.96%	-29.86%	34.44%	73.27%
Shares Outstanding (Basic)	57	58	59	59	59
Shares Outstanding (Diluted)	57	58	59	59	60
Shares Change (YoY)	-1.50%	-1.12%	0.13%	-1.29%	-0.70%
EPS (Basic)	1.17	1.65	1.70	2.43	1.79
EPS (Diluted)	1.17	1.65	1.70	2.42	1.78
EPS Growth	-29.09%	-2.94%	-29.75%	35.95%	74.51%
Free Cash Flow	79.51	84.68	116.55	229.55	117.93
Free Cash Flow Growth	-6.10%	-27.35%	-49.23%	94.65%	0.00%
Free Cash Flow Per Share	1.38	1.45	1.98	3.90	1.98
Dividends Per Share	0.800	0.800	0.800	0.770	0.680
Dividend Growth	-	-	3.90%	13.23%	-
Profit Margin	18.27%	26.66%	26.98%	34.36%	29.82%
FCF Margin	20.45%	22.49%	30.22%	53.53%	31.95%
EBITDA	14.41	14.54	16.4	16.48	14.88
EBITDA Margin	3.71%	3.86%	4.25%	3.84%	4.03%
Effective Tax Rate	23.23%	23.16%	23.91%	24.01%	22.61%

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q