Oceanfirst Financial Corp
OCFC Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$16.48
KIRA · Stoqly’s AI analyst, in plain words
- Oceanfirst Financial Corp had $405M of revenue in fiscal 2025, up 5.4% on the year before. Over five years, revenue changed +0.9% a year on average.
- Oceanfirst Financial Corp made $71.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 2.0% a year.
- Oceanfirst Financial Corp returned $73.2M to shareholders in fiscal 2025, 92% of free cash flow. The diluted share count fell 1.5%.
- It earned 4.2% on shareholders’ money.
Market cap
$1.2B
P/E
19.2x
Revenue
$405M
Net income
$71.0M
Return on equity
4.2%
Efficiency ratio
—
Oceanfirst Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+5.4%
Yes. Sales grew 5.4% last year.
Does it make a profit?
17.5%
Yes. It keeps 17.5% of every sale as profit.
How much does it earn on its capital?
4.2%
Low. It earns 4.2% a year on shareholders’ money.
How is the share priced?
19.2x
One share costs 19.2 times its yearly profit per share.
What Oceanfirst Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- OCEANFIRST FINANCIAL CORP
- CIK
- 0001004702
Oceanfirst Financial Corp · OCFC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $357M | $437M | $403M | $384M | $405M |
| Revenue growth | −7.7% | 22.2% | −7.6% | −4.7% | 5.4% |
| Net interest income | $305M | $377M | $370M | $334M | $360M |
| Net income | $110M | $147M | $104M | $100M | $71.0M |
| Net margin | 30.8% | 33.6% | 25.8% | 26.0% | 17.5% |
| Diluted EPS | $1.78 | $2.42 | $1.70 | $1.65 | $1.17 |
| Cash | |||||
| Cash from operations | $160M | $250M | $124M | $92.2M | $87.2M |
| Capital expenditure | $42.0M | $16.1M | $7.7M | $7.6M | $7.7M |
| Free cash flow | $118M | $234M | $117M | $84.7M | $79.5M |
| FCF margin | 33.0% | 53.7% | 28.9% | 22.0% | 19.6% |
| Dividends paid | $44.5M | $47.5M | $51.3M | $50.9M | $48.2M |
| Share buybacks | $36.1M | $7.4M | $0.0M | $21.5M | $24.9M |
| Share count change | −0.7% | −1.3% | 0.1% | −1.1% | −1.5% |
| Debt and strength | |||||
| Cash and short-term investments | $225M | $168M | $154M | $124M | $135M |
| Debt incl. finance leases | $231M | $197M | $198M | $199M | $256M |
| Loans, net | $8.6B | $9.9B | $10.1B | $10.1B | $11.0B |
| Deposits | $9.7B | $9.7B | $10.4B | $10.1B | $11.0B |
| Shareholders' equity | $1.5B | $1.6B | $1.7B | $1.7B | $1.7B |
| Returns and quality | |||||
| Return on equity | 7.3% | 9.5% | 6.4% | 6.0% | 4.2% |
| Return on tangible equity | 10.6% | 13.4% | 8.7% | 8.2% | 5.9% |
| Piotroski F-score | 6 | 7 | 4 | 3 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$2.3M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Oceanfirst Financial Corp · OCFC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $16.48 a share, the company is worth $1.2B: 19.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001004702). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.