OceanFirst Financial Corp. (OCFC)

OceanFirst Financial Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	71.03	100.39	104.07	147.36	110.08
Depreciation & Amortization	14.41	14.54	16.4	16.48	14.88
Provision for Credit Losses	16.17	7.69	17.68	7.77	-11.83
Stock-Based Compensation	6.04	7.2	7.92	9.14	7.61
Net Change in Loans Held-for-Sale	19.13	-13.69	-4.05	-0.54	48.71
Other Adjustments	-18.16	-17.97	-0.89	-16.11	-9.95
Changes in Accrued Interest and Accounts Receivable	-3.1	5.96	-7.17	-12.1	2.66
Changes in Other Operating Activities	-18.31	-11.43	-10.16	98.45	-2.19
Operating Cash Flow	87.21	92.24	124.26	250.45	159.97
Operating Cash Flow Growth	-5.46%	-25.77%	-50.39%	56.56%	20.59%
Net Change in Loans Held-for-Investment	-929.65	123.03	-280.66	-1,286	-866.45
Net Change in Securities and Investments	-228.38	67.62	-219.25	-9.01	-584.71
Payments for Business Acquisitions	-	-68.93	-	38.61	-
Proceeds from Business Divestments	2.75	-	-	-	-
Capital Expenditures	-7.7	-7.57	-7.71	-20.9	-42.04
Sale of Property, Plant & Equipment	0.91	4.26	3.72	8.13	3.54
Other Investing Activities	-13.54	-12.01	15.9	-51.9	11.81
Investing Cash Flow	-1,176	106.4	-488	-1,321	-1,478
Net Change in Deposits	857.97	-366.5	760.02	-56.96	407.57
Net Short-Term Debt Issued (Repaid)	-6.2	-12.67	3.95	-49.67	-9.69
Long-Term Debt Issued	181.88	-	-	-	-
Long-Term Debt Repaid	125	-	-	35.1	7.61
Net Long-Term Debt Issued (Repaid)	306.88	-	-	35.1	7.61
Issuance of Common Stock	0.72	0.57	0.7	0.42	1.95
Repurchase of Common Stock	26.31	23.87	2.35	8.9	40.44
Net Common Stock Issued (Repurchased)	27.03	24.44	3.05	9.32	42.39
Repurchase of Preferred Stock	57.37	-	-	-	-
Net Preferred Stock Issued (Repurchased)	57.37	-	-	-	-
Common Dividends Paid	-48.25	-50.88	-51.27	-47.51	-44.51
Other Financing Activities	322.47	224.54	-361.53	1,211	-83.27
Financing Cash Flow	1,100	-228.75	349.47	1,014	223.99
Net Cash Flow	11.52	-30.1	-14.27	-56.8	-1,094
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%
FCF Margin	20.45%	22.49%	30.22%	53.53%	31.95%
Free Cash Flow Per Share	1.38	1.45	1.98	3.90	1.98
Levered Free Cash Flow	353.11	84.89	95.33	209.95	77.3
Unlevered Free Cash Flow	-14.7	1.51	-8.64	81.94	-26.69

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

SEC Filings: 10-K · 10-Q