Oceanfirst Financial Corp (OCFC) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Oceanfirst Financial reported revenue of $687.2M, down 0.8% from $692.4M the year before. Net income was $71.0M (a 10.3% net margin), or $1.17 per diluted share. Operating activities generated $87.2M of cash, leaving $79.5M of free cash flow. At fiscal year end, Oceanfirst Financial held $14.56B in total assets against $12.90B in total liabilities.
Open the full interactive Oceanfirst Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Oceanfirst Financial Key Stats
| Share Price | $16.04 |
|---|---|
| Market Cap | $1.13B |
| P/E Ratio | 13.7 |
| Revenue YoY Growth | -0.8% |
| 52-Week Range | $16.04 – $20.04 |
| Shares Outstanding | 70.2 million (basic, 2026 Q2) |
Oceanfirst Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $453.5M | $394.0M | $490.3M | $641.6M | $692.4M | $687.2M |
| Pre-Tax Income | $81.0M | $142.2M | $193.9M | $136.8M | $130.7M | $92.5M |
| Income Tax | $17.7M | $32.2M | $46.6M | $32.7M | $30.3M | $21.5M |
| Net Income | $63.3M | $110.1M | $146.6M | $104.0M | $100.1M | $71.0M |
| Diluted EPS | $1.02 | $1.78 | $2.42 | $1.70 | $1.65 | $1.17 |
Oceanfirst Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $174.5M | $181.1M | $175.0M | $220.2M |
| Net Income | $17.3M | $13.1M | $20.5M | -$3.0M |
| Diluted EPS | $0.30 | $0.23 | $0.36 | -$0.04 |
Oceanfirst Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Total Assets | $11.45B | $11.74B | $13.10B | $13.54B | $13.42B | $14.56B |
| Total Long-Term Debt | $235.5M | $229.1M | $1.48B | $1.12B | $1.33B | $1.71B |
| Total Liabilities | $9.96B | $10.22B | $11.52B | $11.88B | $11.72B | $12.90B |
| Shareholders' Equity | $1.48B | $1.52B | $1.58B | $1.66B | $1.70B | $1.66B |
Oceanfirst Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $132.7M | $160.0M | $250.4M | $124.3M | $92.2M | $87.2M |
| Cash From Investing | -$22.2M | -$1.48B | -$1.32B | -$488.0M | $106.4M | -$1.18B |
| Cash From Financing | $1.07B | $224.0M | $1.01B | $349.5M | -$228.7M | $1.10B |
| Free Cash Flow | $117.9M | $117.9M | $234.3M | $116.6M | $84.7M | $79.5M |
Figures from Oceanfirst Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Oceanfirst Financial financials page for every line item.
Oceanfirst Financial Company Profile
| Ticker | OCFC |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Toms River, New Jersey |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001004702 |
Frequently Asked Questions
What was Oceanfirst Financial's revenue in fiscal 2025?
Oceanfirst Financial (OCFC) reported revenue of $687.2M for fiscal 2025.
What is Oceanfirst Financial's annual revenue history?
Oceanfirst Financial's annual revenue by fiscal year: 2020: $453.5M; 2021: $394.0M; 2022: $490.3M; 2023: $641.6M; 2024: $692.4M; 2025: $687.2M.
What was Oceanfirst Financial's net income in fiscal 2025?
Oceanfirst Financial reported net income of $71.0M for fiscal 2025.
What was Oceanfirst Financial's earnings per share (EPS) in fiscal 2025?
Oceanfirst Financial's diluted EPS was $1.17 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Oceanfirst Financial generate in fiscal 2025?
Oceanfirst Financial generated $79.5M of free cash flow in fiscal 2025.
What was Oceanfirst Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Oceanfirst Financial reported revenue of $220.2M.
How much debt does Oceanfirst Financial have?
Oceanfirst Financial reported $1.71B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Oceanfirst Financial are outstanding?
Oceanfirst Financial reported a weighted average of 70.2 million basic shares outstanding in 2026 Q2.
What is Oceanfirst Financial's market cap?
Based on its latest closing price, Oceanfirst Financial (OCFC) has a market capitalization of about $1.13B.
When does Oceanfirst Financial's fiscal year end?
Oceanfirst Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Oceanfirst Financial headquartered?
Oceanfirst Financial lists its business address in Toms River, New Jersey in its SEC filings.