OceanFirst Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	370.02	360.22	334.04	369.73	377.48	305.34
Net Interest Income Growth	10.63%	7.84%	-9.65%	-2.05%	23.63%	-2.43%
Non-Interest Income	40.2	44.7	50.19	33.62	59.09	51.93
Non-Interest Income Growth	-18.22%	-10.93%	49.26%	-43.10%	13.79%	-29.75%
Revenues Before Loan Losses	410.21	404.92	384.22	403.36	436.57	357.27
Provision for Credit Losses	13.57	16.17	7.69	17.68	7.77	-11.83
Revenue	396.65	388.75	376.53	385.68	428.8	369.1
Revenue Growth (YoY)	6.86%	3.25%	-2.37%	-10.06%	16.18%	12.71%
Compensation Expenses	162.1	159.35	138.34	135.8	131.92	120.01
Selling, General & Admin	92.67	91.12	79.36	89.01	77.17	72.04
Other Non-Interest Expenses	50.58	45.77	28.18	24.11	25.8	34.8
Total Non-Interest Expense	305.35	296.24	245.88	248.91	234.88	226.86
Pretax Income	91.3	92.52	130.66	136.77	193.92	142.24
Provision for Income Taxes	21.23	21.49	30.27	32.7	46.57	32.17
Net Income	67.13	67.13	96.05	100.01	142.59	106.06
Minority Interest in Earnings	0.1	0.05	0.33	0.04	0.75	-
Net Income Attributable to Preferred Dividends	2.85	3.85	4.02	4.02	4.02	4.02
Net Income to Common	67.13	67.13	96.05	100.01	142.59	106.06
Net Income Growth	-22.88%	-30.11%	-3.96%	-29.86%	34.44%	73.27%
Shares Outstanding (Basic)	57	57	58	59	59	59
Shares Outstanding (Diluted)	57	57	58	59	59	60
Shares Change (YoY)	-1.65%	-1.50%	-1.12%	0.13%	-1.29%	-0.70%
EPS (Basic)	1.17	1.17	1.65	1.70	2.43	1.79
EPS (Diluted)	1.17	1.17	1.65	1.70	2.42	1.78
EPS Growth	-23.53%	-29.09%	-2.94%	-29.75%	35.95%	74.51%
Shares Outstanding	57.4	57.39	58.55	59.45	59.14	59.18
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	0.800	0.770	0.680
Dividend Growth	-	-	-	3.90%	13.23%	-
Profit Margin	17.67%	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	23.25%	23.23%	23.16%	23.91%	24.01%	22.61%

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q