OceanFirst Financial Corp.(OCFC)

$18.24▲0.20 (1.11%)

OceanFirst Financial Corp.(OCFC)

NASDAQ

$18.24▲0.20 (1.11%)

Overview Intelligence Chart Fundamentals Key Metrics Earnings Growth Analysts Financials Insiders Institutional

Revenue (LTM)

$656M

-4.7% YoY

Net Income (LTM)

$71M

-29.1% YoY

Free Cash Flow

$80M

Revenue CAGR (5Y)

+14.0%

Marginsdeclining

FCF$0.1B

Profitable

Watch on earnings:Net interest margin (NIM) and quarterly basis point changesLoan growth by category (CRE, C&I, residential) and loan yieldsDeposit costs and mix (non-interest bearing vs interest-bearing)Non-performing loans ratio and provision expenseEfficiency ratio and operating expense discipline

Key metrics:Federal Funds Rate and Fed policy trajectory - directly impacts net interest margin and loan demand · 10-year Treasury yield and yield curve slope - affects mortgage banking income and securities portfolio valuation · New York/New Jersey office vacancy rates and commercial property price indices - leading indicators for CRE loan quality · Regional unemployment rate - predictor of consumer loan performance and small business health

Income Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	389	485↑24.8%	637↑31.3%	688↑8.0%	656↓4.7%
Gross Profit	364	424↑16.5%	381↓10.1%	372↓2.3%	357↓4.0%
Operating Income	142	194↑36.3%	137↓29.5%	131↓4.5%	93↓29.2%
Net Income	110	147↑33.2%	104↓29.0%	100↓3.8%	71↓29.1%
EBITDA	157	210↑33.9%	153↓27.2%	145↓5.2%	93↓35.8%
EPS Diluted	1.78	2.42↑36.0%	1.70↓29.8%	1.65↓2.9%	1.17↓29.1%

Balance Sheet

⚠ CRE concentration risk - commercial real estate loans likely represent 40-50% of total loan portfolio, creating vulnerability to property market downturns

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	205	168↓18.1%	154↓8.5%	124↓19.6%	135↑9.3%
Total Current Assets	806	670↓16.8%	959↑43.1%	997↑3.9%	1,416↑42.0%
Total Assets	11,740	13,104↑11.6%	13,538↑3.3%	13,421↓0.9%	14,564↑8.5%
Total Current Liabilities	9,852	9,744↓1.1%	10,508↑7.8%	10,127↓3.6%	11,019↑8.8%
Total Liabilities	10,223	11,518↑12.7%	11,876↑3.1%	11,718↓1.3%	12,902↑10.1%
Total Equity	1,517	1,585↑4.5%	1,661↑4.8%	1,702↑2.4%	1,663↓2.3%
Total Debt	350	1,478↑322.4%	1,048↓29.1%	1,260↑20.2%	1,635↑29.8%
Net Debt	145	1,310↑804.1%	894↓31.7%	1,136↑27.0%	1,500↑32.0%

Cash Flow Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	160	250↑56.6%	124↓50.4%	92↓25.8%	87↓5.5%
Capital Expenditure	-42	-21↑50.3%	-8↑63.1%	-8↑1.8%	-8↓1.8%
Free Cash Flow	118	230↑94.6%	117↓49.2%	85↓27.3%	80↓6.1%
Stock-Based Comp	8	9↑20.1%	8↓13.3%	7↓9.2%	6↓16.1%
Net Change in Cash	-1,094	-57↑94.8%	-14↑74.9%	-30↓111.0%	12↑138.3%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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