Saturday 17 October 2026 Export OCFC’s income statement to Excel — free account

OceanFirst Financial Corp.

OceanFirst Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $687.2 million, down 0.75% from fiscal 2024. In the quarter to June 2026, revenue grew 32.2%, EPS fell 114.3%, free cash flow grew 27.1% and total debt rose 102.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years.

15.83 0.13 −0.81%

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Market cap: $1.6B
P/E: 18.6×
Fwd P/E: 18.0×
Dividend yield: 5.05%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 4.51

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	3	—	—

Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 1,570.00

Revenue 750.88

Net Income 47.96

Free Cash Flow 113.77

Net Debt 2,064.41

Current Ratio 0.92

Debt/Equity 0.97

P/E ratio 18.62

Fwd P/E 18.00

P/S ratio 1.48

P/B ratio 0.46

Past 5Y EPS Growth 2.78%

This Y EPS Growth 22.58%

Next Y EPS Growth 29.50%

Next Y revenue growth (13.31%)

Next 5Y EPS Growth 19.64%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.13%

10-year low 10-year high

P/S against its own 10 years 11.65%

10-year low 10-year high

P/B against its own 10 years 0.37%

10-year low 10-year high

Dividends

Payout Ratio 0.94

Annual Dividend Rate 0.80

Annual Dividend Yield 5.05%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.80	0.20 0.20 0.20
2025	0.80	0.20 0.20 0.20 0.20
2024	0.80	0.20 0.20 0.20 0.20
2023	0.80	0.20 0.20 0.20 0.20
2022	0.74	0.17 0.17 0.20 0.20
2021	1.12	0.17 0.17 0.44 0.17 0.17
2020	0.68	0.17 0.17 0.17 0.17
2019	0.68	0.17 0.17 0.17 0.17
2018	0.62	0.15 0.15 0.15 0.17
2017	0.60	0.15 0.15 0.15 0.15
2016	0.54	0.13 0.13 0.13 0.15

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	154	124	135	274
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	10,347	10,246	11,161	16,452

	2023	2024	2025	Q'26
Payables	10,435	10,066	10,964	17,760
ST’ Debt	—	—	—	—
Other	—	—	—	—
	10,508	10,127	11,019	17,821

Compound Annual Growth %

	10y	5y	3y
Sales	20.98%	8.66%	11.91%
Cash Flow	11.90%	(8.05%)	(29.65%)
Earnings	12.69%	1.86%	(22.21%)
Book Value	21.43%	2.30%	1.60%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	175	220	—	—	—
’25	165	167	174	181	687
’24	174	170	176	172	692
’23	141	159	169	172	642
’22	100	107	126	158	490
’21	106	95	95	98	394
’20	112	107	101	133	454

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	25	36	—	—	—
’25	(2)	29	24	36	87
’24	46	24	(22)	45	92
’23	24	72	55	(27)	124
’22	58	69	84	40	250
’21	37	102	(20)	41	160
’20	64	18	46	5	133

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	23	35	—	—	—
’25	(4)	28	22	33	80
’24	45	23	(23)	43	88
’23	22	69	53	(28)	117
’22	50	71	70	39	230
’21	32	95	(34)	25	118
’20	62	16	41	(1)	118

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.36	(0.04)	—	—	—
’25	0.35	0.28	0.30	0.23	1.17
’24	0.47	0.40	0.42	0.36	1.65
’23	0.46	0.45	0.33	0.46	1.70
’22	0.42	0.47	0.64	0.89	2.42
’21	0.53	0.49	0.39	0.37	1.78
’20	0.27	0.31	(0.10)	0.54	1.02

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	15.98	24.02	21.30	20.46	11.60	18.06	18.24	12.01	14.03	14.29	Analyst estimates 2026–2028 Powerpack
	High	30.49	30.70	30.90	26.09	25.52	25.76	24.25	24.93	21.87	20.61
People
People	Employees	797	684	892	924	987	917	939	899	1,007	954
	Revenue/emp, $m	0.19	0.32	0.35	0.38	0.46	0.43	0.52	0.71	0.69	0.72
Income, $m
Income, $m	Revenue	154	216	311	351	454	394	490	642	692	687
	Gross margin, %	91.44	90.92	88.39	84.95	85.30	90.67	89.05	62.87	55.49	58.93
	EBT	35	65	86	107	81	142	194	137	131	93
	EBT margin, %	22.88	30.26	27.45	30.59	17.87	36.10	39.55	21.32	18.87	13.46
	Net income	23	42	72	89	63	110	147	104	100	71
	Depreciation	8	13	19	19	23	25	25	21	14	3
Per share, $
Per share, $	Revenue	6.66	6.72	6.66	7.00	7.57	6.63	8.35	10.88	11.88	11.97
	Earnings	1.00	1.32	1.54	1.77	1.02	1.79	2.43	1.70	1.65	1.17
	Cash flow	1.45	2.50	1.98	2.00	2.21	2.69	4.26	2.11	1.58	1.52
	Capex	(0.29)	(1.52)	(0.03)	(0.05)	(0.25)	(0.71)	(0.36)	(0.13)	(0.07)	(0.13)
	Free cash flow	1.16	0.98	1.95	1.94	1.97	1.99	3.91	1.98	1.51	1.38
	Book value	24.77	18.74	22.22	22.99	24.77	25.53	27.00	28.19	29.21	28.95
	Shares, m	23	32	47	50	60	59	59	59	58	57
Valuation, ×
Valuation, ×	P/E	30.24	19.98	14.91	14.43	18.26	12.40	8.86	10.32	10.97	15.47
	P/S	4.49	3.95	3.38	3.65	2.46	3.35	2.58	1.61	1.52	1.50
	P/B	1.21	1.42	1.01	1.11	0.75	0.87	0.80	0.62	0.62	0.62
	EV/Sales	4.62	5.09	4.80	5.10	0.21	3.46	5.15	3.04	3.21	3.74
	EV/FCF	26.58	34.99	16.41	18.36	0.82	11.56	11.00	16.72	25.27	32.31
Cash, $m
Cash, $m	Operating cash flow	33	80	93	100	133	160	250	124	92	87
	Capex	(7)	(49)	(1)	(3)	(15)	(42)	(21)	(8)	(4)	(8)
	Free cash flow	27	31	91	98	118	118	230	117	88	80
Balance, $m
Balance, $m	Working capital	(139)	(333)	(157)	(51)	(498)	(1,031)	338	(161)	119	142
	Total debt	321	356	563	630	253	249	1,428	1,067	1,293	1,674
	Net debt	20	247	442	509	(1,019)	44	1,260	914	1,170	1,539
	Shareholders’ equity	572	602	1,039	1,153	1,484	1,517	1,585	1,662	1,703	1,663
Returns, %
Returns, %	ROA	0.59	0.80	1.11	1.12	0.62	0.91	1.15	0.75	0.71	0.48
	ROIC	5.47	5.42	4.74	4.43	13.04	5.76	4.32	3.32	2.88	2.11
	ROE	5.69	7.24	8.77	8.08	4.64	7.07	9.19	6.16	5.71	3.99

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
TCBK TriCo Bancshares	$1.7B	12.4×	12.0×	+4.33% (above 0%: growing)	+27.38% (above 0%: growing)	−17.30% (below 0%: shrinking)	80.35%	0.00%	Compare
BFC Bank First National Corporation	$1.6B	19.2×	15.0×	+44.08% (above 0%: growing)	+29.24% (above 0%: growing)	+152.03% (above 0%: growing)	75.87%	0.00%	Compare
LOB Live Oak Bancshares, Inc.	$1.6B	12.1×	12.7×	+6.98% (above 0%: growing)	+47.06% (above 0%: growing)	−45.86% (below 0%: shrinking)	57.30%	0.00%	Compare
QCRH QCR Holdings, Inc.	$1.6B	11.6×	11.5×	+5.68% (above 0%: growing)	+28.65% (above 0%: growing)	+1,791.78% (above 0%: growing)	64.70%	0.00%	Compare
RBCAA Republic Bancorp, Inc.	$1.6B	14.1×	12.4×	+1.88% (above 0%: growing)	+4.32% (above 0%: growing)	−102.32% (below 0%: shrinking)	82.94%	0.00%	Compare
OBK Origin Bancorp, Inc.	$1.6B	16.0×	12.2×	+11.11% (above 0%: growing)	+134.04% (above 0%: growing)	+57.26% (above 0%: growing)	71.20%	0.00%	Compare
OCFC OceanFirst Financial Corp.	$1.6B	18.6×	18.0×	+32.21% (above 0%: growing)	n/m	+27.08% (above 0%: growing)	59.64%	0.00%
CNOB ConnectOne Bancorp, Inc.	$1.5B	9.9×	9.4×	+32.81% (above 0%: growing)	n/m	+427.03% (above 0%: growing)	60.53%	0.00%	Compare
CASH Pathward Financial, Inc.	$1.5B	9.1×	9.2×	−3.18% (below 0%: shrinking)	−24.73% (below 0%: shrinking)	+20.54% (above 0%: growing)	99.41%	0.00%	Compare
Median of peers	$1.6B	12.2×	12.1×	+6.33%	+28.65%	+38.90%	73.54%	0.00%

All 323 Banks Regional stocks →

OceanFirst Financial Corp. (OCFC) key facts

Concern: OceanFirst Financial Corp.’s revenue for fiscal 2025 (year ended December 2025) was $687.2 million, down 0.75% from fiscal 2024.
Concern: Net income was $71.0 million, or $1.17 per share (basic), a net margin of 9.77%.
OceanFirst Financial Corp. (OCFC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, OCFC traded at $15.83, a market capitalization of $1.6 billion.
At that price the stock trades at 18.6× trailing-twelve-month earnings and 1.5× sales; its P/E is higher than 73% of its own readings over the past ten years.
OceanFirst Financial Corp. pays an annual dividend of $0.80 per share, a yield of 5.05%, with a payout ratio of 94.1%.
Return on equity was 3.99% and debt-to-equity 0.97.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.