OCEANFIRST FINANCIAL CORP (OCFC)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue104,689,000$102,961,000$99,369,000$97,905,000$95,561,000$96,903,000$93,248,000$98,510,000$99,685,000$101,758,000$101,037,000$100,875,000$134,039,000$111,115,000$98,338,000$93,079,000$89,996,000$87,015,000$85,819,000$94,439,000$118,471,000$84,967,000$90,097,000$93,342,000$74,585,000$74,935,000$74,716,000$73,900,000$70,589,000$69,789,000$70,330,000$64,621,000$49,253,000$50,415,000$49,147,000$47,478,000$42,011,000$39,831,000$34,897,000$23,935,000$24,805,000$23,727,000$22,604,000$22,119,000$22,644,000$23,386,000$22,989,000$21,907,000$
QoQ%1.68%3.62%1.50%2.45%(1.39%)3.92%(5.34%)(1.18%)(2.04%).71%.16%(24.74%)20.63%12.99%5.65%3.43%3.43%1.39%(9.13%)(20.29%)39.43%(5.69%)(3.48%)25.15%(.47%).29%1.10%4.69%1.15%(.77%)8.84%31.20%(2.31%)2.58%3.52%13.01%5.47%14.14%45.80%(3.51%)4.54%4.97%2.19%(2.32%)(3.17%)1.73%4.94%(2.02%)
YoY%9.55%6.25%6.56%(.61%)(4.14%)(4.77%)(7.71%)(2.34%)(25.63%)(8.42%)2.75%8.38%48.94%27.70%14.59%(1.44%)(24.04%)2.41%(4.75%)1.18%58.84%13.39%20.59%26.31%5.66%7.37%6.24%14.36%43.32%38.43%43.10%36.11%17.24%26.57%40.83%98.36%69.37%67.87%54.38%8.21%9.54%1.46%(1.68%).97%1.28%6.40%3.74%6.35%
Cost Of Revenue3,700,000$4,092,000$3,039,000$5,340,000$3,467,000$517,000$3,114,000$591,000$3,153,000$10,283,000$1,229,000$3,013,000$3,647,000$1,016,000$1,254,000$1,851,000$(1,573,000$)(3,179,000$)(6,460,000$)(620,000$)4,072,000$35,714,000$9,649,000$9,969,000$355,000$305,000$356,000$620,000$506,000$907,000$706,000$1,371,000$1,415,000$1,165,000$1,165,000$700,000$510,000$888,000$662,000$563,000$300,000$300,000$300,000$375,000$825,000$1,000,000$275,000$530,000$
Gross Profit100,989,000$98,869,000$96,330,000$92,565,000$92,094,000$96,386,000$90,134,000$97,919,000$96,532,000$91,475,000$99,808,000$97,862,000$130,392,000$110,099,000$97,084,000$91,228,000$91,569,000$90,194,000$92,279,000$95,059,000$114,399,000$49,253,000$80,448,000$83,373,000$74,230,000$74,630,000$74,360,000$73,280,000$70,083,000$68,882,000$69,624,000$63,250,000$47,838,000$49,250,000$47,982,000$46,778,000$41,501,000$38,943,000$34,235,000$23,372,000$24,505,000$23,427,000$22,304,000$21,744,000$21,819,000$22,386,000$22,714,000$21,377,000$
Gross Margin96.47%96.03%96.94%94.55%96.37%99.47%96.66%99.40%96.84%89.90%98.78%97.01%97.28%99.09%98.73%98.01%101.75%103.65%107.53%100.66%96.56%57.97%89.29%89.32%99.52%99.59%99.52%99.16%99.28%98.70%99.00%97.88%97.13%97.69%97.63%98.53%98.79%97.77%98.10%97.65%98.79%98.74%98.67%98.31%96.36%95.72%98.80%97.58%
Operating Expenses84,142,000$76,327,000$71,474,000$64,294,000$64,849,000$63,736,000$58,620,000$58,672,000$60,189,000$64,484,000$62,930,000$61,309,000$59,728,000$58,997,000$58,661,000$57,495,000$64,834,000$58,673,000$51,670,000$51,683,000$70,916,000$56,787,000$55,932,000$62,796,000$47,599,000$43,357,000$50,915,000$47,271,000$37,794,000$39,533,000$50,904,000$56,818,000$26,434,000$27,580,000$28,527,000$29,481,000$25,833,000$23,715,000$21,457,000$15,313,000$15,885,000$15,117,000$14,208,000$13,687,000$14,396,000$14,431,000$14,830,000$14,107,000$
Operating Income
Operating Margin
Interest Income23,149,000$21,970,000$20,576,000$20,168,000$20,067,000$20,142,000$19,898,000$19,746,000$
Interest Expenses76,454,000$71,537,000$67,189,000$67,051,000$76,291,000$79,306,000$77,163,000$75,378,000$72,610,000$67,414,000$57,987,000$40,232,000$23,789,000$14,534,000$8,619,000$6,756,000$7,871,000$8,288,000$9,325,000$11,270,000$14,711,000$16,174,000$17,210,000$18,562,000$13,721,000$13,495,000$13,573,000$12,034,000$10,517,000$9,878,000$8,631,000$7,126,000$5,401,000$4,974,000$4,705,000$4,531,000$4,150,000$3,372,000$3,127,000$2,514,000$2,461,000$2,395,000$2,143,000$2,035,000$2,043,000$2,042,000$1,739,000$1,681,000$
Income Before Tax16,847,000$22,542,000$24,856,000$28,271,000$27,245,000$32,650,000$31,514,000$39,247,000$36,343,000$26,991,000$36,878,000$36,553,000$70,664,000$51,102,000$38,423,000$33,733,000$26,735,000$31,521,000$40,609,000$43,376,000$43,483,000$(7,534,000$)24,516,000$20,577,000$26,631,000$31,273,000$23,445,000$26,009,000$31,001,000$29,349,000$18,720,000$6,432,000$20,142,000$18,517,000$10,849,000$15,817,000$9,036,000$13,917,000$5,589,000$6,656,000$8,007,000$7,280,000$7,912,000$8,006,000$7,423,000$7,955,000$7,884,000$7,270,000$
Tax Expenses3,754,000$5,156,000$5,771,000$6,808,000$5,083,000$7,464,000$7,082,000$10,637,000$8,591,000$6,459,000$8,996,000$8,654,000$17,353,000$12,298,000$8,940,000$7,974,000$4,078,000$7,354,000$10,054,000$10,679,000$10,419,000$(2,608,000$)5,878,000$4,044,000$3,181,000$6,302,000$4,465,000$4,836,000$4,269,000$5,278,000$3,018,000$1,005,000$10,186,000$5,700,000$3,170,000$3,799,000$2,984,000$4,789,000$1,928,000$2,452,000$2,777,000$2,582,000$2,779,000$2,745,000$2,491,000$2,790,000$2,767,000$2,563,000$
Net Income13,093,000$17,386,000$19,085,000$21,463,000$22,162,000$25,186,000$24,432,000$28,610,000$27,752,000$20,532,000$27,882,000$27,899,000$53,311,000$38,804,000$29,483,000$25,759,000$22,657,000$24,167,000$30,555,000$32,697,000$33,064,000$(4,926,000$)18,638,000$16,533,000$23,450,000$24,971,000$18,980,000$21,173,000$26,732,000$24,071,000$15,702,000$5,427,000$9,956,000$12,817,000$7,679,000$12,018,000$6,052,000$9,128,000$3,661,000$4,205,000$5,230,000$4,698,000$5,133,000$5,261,000$4,932,000$5,165,000$5,117,000$4,706,000$
Profit Margin12.51%16.89%19.21%21.92%23.19%25.99%26.20%29.04%27.84%20.18%27.60%27.66%39.77%34.92%29.98%27.67%25.18%27.77%35.60%34.62%27.91%(5.80%)20.69%17.71%31.44%33.32%25.40%28.65%37.87%34.49%22.33%8.40%20.21%25.42%15.63%25.31%14.41%22.92%10.49%17.57%21.08%19.80%22.71%23.79%21.78%22.09%22.26%21.48%
TTM17.54%20.24%22.55%24.31%26.13%27.29%25.77%26.13%25.80%29.61%33.08%33.64%33.75%29.73%27.70%28.98%30.81%31.23%23.82%20.48%16.36%15.66%25.11%26.43%29.71%31.23%31.47%30.81%26.13%21.72%18.71%16.81%21.64%20.40%19.54%18.79%16.38%18.00%16.57%20.27%21.79%21.98%22.58%22.47%21.91%18.68%18.75%18.78%
Earnings to Minority0$56,000$39,000$(46,000$)253,000$70,000$59,000$(57,000$)70,000$(135,000$)85,000$16,000$39,000$193,000$522,000$1,004,000$1,004,000$1,004,000$1,004,000$1,004,000$1,004,000$1,093,000$
Earnings to Common Shareholders13,093,000$17,330,000$16,200,000$20,505,000$20,905,000$24,112,000$23,369,000$27,663,000$26,678,000$19,663,000$26,793,000$26,879,000$52,268,000$37,607,000$27,957,000$24,755,000$21,653,000$23,163,000$29,551,000$31,693,000$32,060,000$(6,019,000$)18,638,000$16,533,000$23,450,000$24,971,000$18,980,000$21,173,000$26,732,000$24,071,000$15,702,000$5,427,000$9,956,000$12,817,000$7,679,000$12,018,000$6,052,000$9,128,000$3,661,000$4,205,000$5,230,000$4,698,000$5,133,000$5,261,000$4,932,000$5,165,000$5,117,000$4,706,000$
QoQ%(24.45%)6.98%(21.00%)(1.91%)(13.30%)3.18%(15.52%)3.69%35.68%(26.61%)(.32%)(48.58%)38.99%34.52%12.94%14.33%(6.52%)(21.62%)(6.76%)(1.15%)632.65%(132.29%)12.73%(29.50%)(6.09%)31.57%(10.36%)(20.80%)11.06%53.30%189.33%(45.49%)(22.32%)66.91%(36.10%)98.58%(33.70%)149.33%(12.94%)(19.60%)11.32%(8.48%)(2.43%)6.67%(4.51%).94%8.73%142.70%
YoY%(37.37%)(28.13%)(30.68%)(25.88%)(21.64%)22.63%(12.78%)2.92%(48.96%)(47.72%)(4.16%)8.58%141.39%62.36%(5.39%)(21.89%)(32.46%)484.83%58.55%91.70%36.72%(124.10%)(1.80%)(21.92%)(12.28%)3.74%20.88%290.14%168.50%87.81%104.48%(54.84%)64.51%40.41%109.75%185.80%15.72%94.30%(28.68%)(20.07%)6.04%(9.04%).31%11.79%154.36%3.97%2.61%6.09%
Earnings Per Share, Basic0.23$0.30$0.28$0.35$0.36$0.42$0.40$0.47$0.45$0.33$0.45$0.46$0.89$0.64$0.47$0.42$0.37$0.39$0.49$0.53$0.53$(0.10$)0.31$0.28$0.47$0.49$0.37$0.43$0.56$0.50$0.33$0.12$0.31$0.40$0.24$0.38$0.22$0.36$0.16$0.25$0.31$0.28$0.31$0.32$0.30$0.31$0.31$0.28$
Earnings Per Share, Diluted0.23$0.30$0.28$0.35$0.36$0.42$0.40$0.47$0.45$0.33$0.45$0.46$0.89$0.64$0.47$0.42$0.37$0.39$0.49$0.53$0.54$(0.10$)0.31$0.27$0.46$0.49$0.37$0.42$0.55$0.50$0.32$0.12$0.30$0.39$0.23$0.36$0.21$0.35$0.16$0.25$0.31$0.28$0.31$0.32$0.30$0.31$0.30$0.28$
Unlevered FCF Per Share, Basic0.58$0.40$0.47$(0.06$)0.74$(0.40$)0.33$0.77$(0.48$)0.90$1.17$0.38$0.66$1.38$1.10$0.85$0.43$(0.52$)1.54$0.53$(0.01$)0.68$0.26$1.03$0.33$0.41$0.41$0.75$0.61$0.51$0.46$0.13$(0.69$)0.79$0.54$0.34$(0.53$)1.05$0.34$0.41$
Unlevered FCF Per Share, Diluted0.58$0.40$0.47$(0.06$)0.74$(0.40$)0.33$0.77$(0.49$)0.90$1.17$0.38$0.66$1.38$1.10$0.85$0.43$(0.52$)1.53$0.52$(0.01$)0.68$0.26$1.02$0.32$0.41$0.40$0.74$0.60$0.50$0.45$0.13$(0.67$)0.77$0.52$0.33$(0.52$)1.03$0.33$0.41$
Average Shares, Basic56,805,00057,031,00057,738,00058,102,00057,974,00058,065,00058,356,00058,789,00058,767,00059,104,00059,147,00058,774,00058,606,00058,681,00058,894,00058,739,00058,772,00059,311,00059,701,00059,840,00059,988,00059,935,00059,877,00059,876,00049,960,00050,491,00050,687,00049,526,00047,809,00047,685,00047,718,00043,880,00032,245,00032,184,00032,122,00031,901,00027,553,00025,435,00022,478,00016,906,00016,790,00016,733,00016,401,00016,476,00016,501,00016,623,00016,740,00016,884,000
Average Shares, Diluted56,813,00057,036,00057,740,00058,111,00057,972,00058,068,00058,357,00058,791,00058,646,00059,111,00059,153,00058,918,00058,773,00058,801,00058,995,00058,943,00059,014,00059,515,00059,966,00060,101,00059,875,00059,935,00059,999,00060,479,00050,578,00050,966,00051,290,00050,150,00048,506,00048,572,00048,704,00044,846,00033,166,00033,106,00033,138,00033,090,00028,217,00025,889,00022,880,00017,118,00017,061,00016,953,00016,593,00016,637,00016,612,00016,704,00016,822,00017,050,000
EBIT93,301,000$94,079,000$92,045,000$95,322,000$103,536,000$111,956,000$108,677,000$114,625,000$108,953,000$94,405,000$94,865,000$76,785,000$94,453,000$65,636,000$47,042,000$40,489,000$34,606,000$39,809,000$49,934,000$54,646,000$58,194,000$8,640,000$41,726,000$39,139,000$40,352,000$44,768,000$37,018,000$38,043,000$41,518,000$39,227,000$27,351,000$13,558,000$25,543,000$23,491,000$15,554,000$20,348,000$13,186,000$17,289,000$8,716,000$9,170,000$10,468,000$9,675,000$10,055,000$10,041,000$9,466,000$9,997,000$9,623,000$8,951,000$
EBITDA95,904,000$96,693,000$94,586,000$97,864,000$106,162,000$114,537,000$111,504,000$117,494,000$112,116,000$97,487,000$97,853,000$79,879,000$97,610,000$68,535,000$49,910,000$43,248,000$37,813,000$41,893,000$51,936,000$56,710,000$58,194,000$8,640,000$41,726,000$39,139,000$40,352,000$46,752,000$39,225,000$40,300,000$43,643,000$41,225,000$29,667,000$15,825,000$27,240,000$24,986,000$17,138,000$21,875,000$14,531,000$18,599,000$9,874,000$10,143,000$11,433,000$10,541,000$10,815,000$10,785,000$10,221,000$10,746,000$10,340,000$9,646,000$