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	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 Income on Loans	-	556.89	545.24	521.87	390.39	315.24
Interest Income on Investments	-	85.56	96.93	86.11	40.79	26.86
Total Interest Income	-	642.45	642.17	607.97	431.18	342.09
Interest Paid on Deposits	-	216.18	242.13	172.02	31.02	25.21
Interest Paid on Borrowings	-	66.05	66.01	66.23	22.68	11.54
Total Interest Expense	-	282.23	308.14	238.24	53.7	36.75
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%
Trust Income	-	1.51	1.75	2.53	2.39	2.34
Gain (Loss) on Sale of Assets	-	2.6	0.86	-	-	-
Gain (Loss) on Sale of Investments	-	0.92	4.23	-3.73	9.69	7.15
Other Non-Interest Income	-	36.27	41.02	34.4	46.62	39.28
Total 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 Loan Losses	-	16.17	7.69	17.68	7.77	-11.83
Revenue	-	388.75	376.53	385.68	428.8	369.1
Revenue Growth	-	3.25%	-2.37%	-10.06%	16.18%	12.71%
Salaries and Employee Benefits	-	153.32	131.14	127.88	122.77	112.4
Occupancy Expenses	-	17.86	16.23	16.55	15.82	14.55
Federal Deposit Insurance	-	11.6	10.96	11.16	7.36	6.16
Amortization of Goodwill & Intangibles	-	3.63	3.33	3.98	4.72	5.45
Selling, General & Administrative	-	63.12	54.96	64.58	58.17	53.77
Other Non-Interest Expense	-	30.94	27.48	24.67	22.6	20.69
Total Non-Interest Expense	-	280.46	244.1	248.82	231.43	213.02
EBT Excluding Unusual Items	-	108.3	132.44	136.86	197.37	156.08
Pretax Income	-	92.52	130.66	136.77	193.92	142.24
Income Tax Expense	-	21.49	30.27	32.7	46.57	32.17
Earnings From Continuing Operations	-	71.03	100.39	104.07	147.36	110.08
Minority Interest in Earnings	-	-0.05	-0.33	-0.04	-0.75	-
Net Income	-	70.98	100.07	104.03	146.6	110.08
Preferred Dividends & Other Adjustments	-	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%
Basic Shares Outstanding	100	57	58	59	59	59
Diluted Shares Outstanding	100	57	58	59	59	60
Shares Change	73.89%	-1.50%	-1.12%	0.13%	-1.29%	-0.70%
EPS (Basic)	0.47	1.17	1.65	1.70	2.43	1.79
EPS (Diluted)	0.47	1.17	1.65	1.70	2.42	1.78
EPS Growth	-63.91%	-29.04%	-2.89%	-29.89%	35.95%	74.51%

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
Dividend Per Share	0.800	0.800	0.800	0.800	0.770	0.680
Dividend Growth	0%	0%	0%	3.90%	13.23%	0%
Effective Tax Rate	33.63%	23.23%	23.16%	23.91%	24.01%	22.61%

SEC Filings: 10-K · 10-Q