OceanFirst Financial Corp. (OCFC)
NASDAQ: OCFC · Real-Time Price · USD
17.68
+1.01 (6.06%)
Oct 28, 2026, 4:00 PM EDT - Market closed
OceanFirst Financial Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Cash & Equivalents | 269.83 | 135.13 | 123.62 | 153.72 | 167.95 | 204.95 |
Investment Securities | 3,062 | 707.82 | 798.75 | 770.63 | 909.97 | 911.5 |
Trading Asset Securities | - | 57.82 | 91.35 | 87.78 | 113.42 | 22.79 |
Mortgage-Backed Securities | 1,771 | 954.03 | 559.53 | 392.53 | 92.59 | 100.28 |
Total Investments | 4,833 | 1,720 | 1,450 | 1,251 | 1,116 | 1,035 |
Gross Loans | 16,510 | 11,054 | 10,129 | 10,204 | 9,926 | 8,632 |
Allowance for Loan Losses | -212.29 | -83.73 | -73.61 | -67.14 | -56.82 | -48.85 |
Net Loans | 16,297 | 10,971 | 10,055 | 10,137 | 9,869 | 8,583 |
Property, Plant & Equipment | 126.41 | 130.34 | 130.71 | 140.35 | 145.76 | 143.27 |
Goodwill | 530.85 | 517.48 | 523.31 | 506.15 | 506.15 | 500.32 |
Other Intangible Assets | 84.49 | 9.05 | 12.68 | 9.51 | 13.5 | 18.22 |
Loans Held for Sale | - | 5.77 | 21.21 | 5.17 | 0.69 | - |
Accrued Interest Receivable | 95.45 | 49.01 | 45.91 | 51.87 | 44.7 | 32.61 |
Other Current Assets | - | - | - | 0.03 | 2.72 | 6.23 |
Other Real Estate Owned & Foreclosed | 13.58 | 10.27 | 1.81 | - | - | 0.11 |
Other Long-Term Assets | 1,119 | 1,017 | 1,057 | 1,284 | 1,238 | 1,216 |
Total Assets | 23,370 | 14,564 | 13,421 | 13,538 | 13,104 | 11,740 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Interest Bearing Deposits | 15,204 | 8,748 | 7,992 | 8,366 | 7,456 | 7,175 |
Institutional Deposits | - | 474.6 | 457.2 | 412 | 117.7 | 145.4 |
Non-Interest Bearing Deposits | 2,875 | 1,742 | 1,617 | 1,657 | 2,101 | 2,412 |
Total Deposits | 18,079 | 10,964 | 10,066 | 10,435 | 9,675 | 9,733 |
Short-Term Borrowings | 32.85 | 108.5 | 152.05 | 161 | 182.57 | 141.62 |
Current Portion of Long-Term Debt | - | 1,195 | - | - | - | - |
Current Portion of Leases | - | 5.6 | - | - | - | - |
Long-Term Debt | 496.57 | 181.98 | 196.13 | 194.77 | 193.47 | 227.24 |
Federal Home Loan Bank Debt, Long-Term | 1,775 | 201.87 | 1,073 | 848.64 | 1,211 | - |
Long-Term Leases | - | 14.58 | 18.54 | 21.7 | 21.99 | 19.89 |
Trust Preferred Securities | - | 72.11 | - | - | - | - |
Other Long-Term Liabilities | 590.71 | 157.41 | 212.83 | 215.25 | 234.03 | 101.5 |
Total Liabilities | 20,974 | 12,902 | 11,718 | 11,876 | 11,518 | 10,223 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Preferred Stock, Non-Redeemable | - | - | 0 | 0 | 0 | 0 |
Total Preferred Equity | - | - | 0 | 0 | 0 | 0 |
Common Stock | 2,396 | 0.63 | 0.61 | 0.61 | 0.61 | 0.61 |
Additional Paid-In Capital | - | 1,118 | 1,168 | 1,162 | 1,155 | 1,147 |
Retained Earnings | - | 662.62 | 641.73 | 592.54 | 540.51 | 442.31 |
Treasury Stock | - | -115.56 | -90.62 | -69.11 | -69.11 | -61.71 |
Comprehensive Income & Other | - | -3.46 | -18.4 | -24.64 | -42.17 | -11.44 |
Total Common Equity | 2,396 | 1,663 | 1,702 | 1,661 | 1,585 | 1,517 |
Minority Interest | - | - | 1.11 | 0.78 | 0.8 | - |
Shareholders' Equity | 2,396 | 1,663 | 1,703 | 1,662 | 1,585 | 1,517 |
Total Liabilities & Equity | 23,370 | 14,564 | 13,421 | 13,538 | 13,104 | 11,740 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Total Debt | 2,304 | 1,780 | 1,439 | 1,226 | 1,609 | 388.75 |
Net Cash (Debt) | -2,035 | -1,587 | -1,224 | -984.61 | -1,328 | -161.01 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -20.28 | -27.64 | -21.00 | -16.70 | -22.55 | -2.70 |
Filing Date Shares Outstanding | 100.32 | 57.34 | 58.43 | 58.76 | 58.88 | 58.81 |
Total Common Shares Outstanding | 100.32 | 57.32 | 58.42 | 59.25 | 58.83 | 58.74 |
Book Value Per Share | 23.88 | 29.00 | 29.13 | 28.04 | 26.94 | 25.82 |
Tangible Book Value | 1,781 | 1,136 | 1,166 | 1,146 | 1,065 | 998.02 |
Tangible Book Value Per Share | 17.75 | 19.82 | 19.95 | 19.33 | 18.10 | 16.99 |