OCFC
OceanFirst·NASDAQ
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OCFC fundamentals
OceanFirst (OCFC) released its earnings on Oct 22, 2025: revenue was 102.96M (YoY +6.25%), missed estimates; EPS was 0.36 (YoY -7.69%), met estimates.
Revenue / YoY
102.96M
+6.25%
EPS / YoY
0.36
-7.69%
Report date
Oct 22, 2025
OCFC Earnings Call Summary for Q3,2025
- Strong Q3 Growth: 14% annualized loan growth ($373M) and 5% NIM stability despite higher debt costs.
- Restructuring Benefits: $10M annual expense savings from residential outsourcing, offsetting $4M revenue decline.
- Premier Bank Momentum: $128M deposits added, targeting $500M by year-end with 20% DDA mix.
- 2026 Outlook: 7-9% loan/NII growth, 90+ bps ROA by Q4, 1%+ ROA in early 2027.
- Credit Quality: NPLs at 0.39%, criticized loans down 15%, best-in-class asset quality metrics.
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Key Indicators
OceanFirst (OCFC) key financial stats and ratios, covering profitability, financial health, and leverage.
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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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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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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Where does OceanFirst (OCFC) generate its revenue? Explore its key revenue streams and top earning regions.
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Track OceanFirst (OCFC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
Did OceanFirst beat or miss consensus estimates last quarter?What were the key takeaways from OceanFirst’s earnings call?What guidance did OceanFirst's management provide for the next earnings period?What is OceanFirst's gross profit margin?What factors drove the changes in OceanFirst's revenue and profit?What is OceanFirst's latest dividend and current dividend yield?What is the revenue and EPS growth rate for OceanFirst year over year?What were the key takeaways from OceanFirst's earnings call?
