OceanFirst Financial Corp. (OCFC)

OceanFirst Financial Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	57.6	57.39	58.55	59.45	59.14	59.18
Free Cash Flow	106.41	79.51	84.68	116.55	229.55	117.93
Free Cash Flow Growth	33.83%	-6.10%	-27.35%	-49.23%	94.65%	0.00%
Free Cash Flow Per Share	1.86	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	26.83%	20.45%	22.49%	30.22%	53.53%	31.95%
EBITDA	14.62	14.41	14.54	16.4	16.48	14.88
EBITDA Margin	3.69%	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 May 1, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q