OCFC
OceanFirst·NASDAQ
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OCFC fundamentals
OceanFirst (OCFC) released its earnings on Jan 22, 2026: revenue was 104.69M (YoY +9.55%), beat estimates; EPS was 0.41 (YoY +7.89%), beat estimates.
Revenue / YoY
104.69M
+9.55%
EPS / YoY
0.41
+7.89%
Report date
Jan 22, 2026
OCFC Earnings Call Summary for Q4,2025
- Strategic Merger: Flushing Financial acquisition to enhance scale and profitability, with Q2 2026 close target.
- Loan Growth Surge: Q4 loan growth of $474 million (18% annualized) and 42% C&I expansion for the year.
- Cost Efficiency: Core expenses down 2% QoQ, with $71 million run rate; credit risk transfer boosts CET1 by 50bp.
- Deposit Momentum: Premier Banking adds $332 million in deposits, 21% in noninterest-bearing DDA; CD costs set to decline.
- 2026 Outlook: Mid- to high single-digit loan/deposit growth, NIM expansion, and $7-9 million/Q other income.
Earnings
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Revenue & Expenses
Key Indicators
OceanFirst (OCFC) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
OceanFirst (OCFC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Balance Sheet
OceanFirst (OCFC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Cash Flow
OceanFirst (OCFC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Revenue Breakdown
Where does OceanFirst (OCFC) generate its revenue? Explore its key revenue streams and top earning regions.
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Dividend
Track OceanFirst (OCFC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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