Inferra AI / Company / OCFC
Oceanfirst Financial Corp
OCFC · Financials
Last earnings Oct 27, 2026
Key results
Net incomequarter
$17.3 million
(the Bank ), announced net income available to common stockholders of $17.3 million, or $0.30 per diluted share, for the three months ended September 30, 2025, a decrease from $24.1 million, or $0.42 per diluted share, for the corresponding prior year period, and an increase from $16.2 million, or $0.28 per diluted share, for the linked quarter.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Net incomeytd
$54.0 million
For the nine months ended September 30, 2025, the Company reported net income available to common stockholders of $54.0 million , or $0.94 per diluted share, a decrease from $75.1 million, or $1.29 per diluted share, for the corresponding prior year period.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Basic EPSquarter
$ 0.30
17,330 19,046 25,116 57,885 78,156 Dividends on preferred shares 1,004 1,004 2,008 3,012 Loss on redemption of preferred stock 1,842 1,842 Net income available to common stockholders $ 17,330 $ 16,200 $ 24,112 $ 54,035 $ 75,144 Basic earnings per share $ 0.30 $ 0.28 $ 0.42 $ 0.94 $ 1.29 Diluted earnings per share $ 0.30 $ 0.28 $ 0.42 $ 0.94 $ 1.29 Average basic shares outstanding 57,031 57,738 58,065 57,599 58,405 Average diluted shares outstanding 57,036 57,740 58,068 57,602 58,407 15 OceanFirst Financial Corp.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
EPSquarter
$0.36
Assets(2) 8.1% CET1 Ratio (3) 10.6% Q3-25 Loan Portfolio ($ millions) Q3-25 Deposit Base ($ millions) Core Profitability (Q1-23)2 Net Income $20.3 million EPS $0.36 Net Interest Margin (%)(4) 2.89% Efficiency Ratio (%) 70.3% ROAA (%) 0.60% ROTCE (%) 7.19% Corporate Overview and Market Data Balance Sheet and ital (Q3-25) Core Profitability (Q3-25)(2) $5,211 CRE Investor -Owned $997 C&I - real estate $999 C&I - non-real estate $3,135 Residential $216 Home Eq.
SEC original ↗Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
Core EPSquarter
0.60%
(3) See details on slide 11 Financial Highlights $0.36 Core Diluted EPS(1) $91 million Net Interest Income 0.60% Core ROAA(1) 7.19% Core ROTCE(1) $0.54 Core PTPP Diluted EPS(1) 10.6% CET1 Ratio(2) Total loans increased $373 million (or 14% annualized), including $219 million of commercial and industrial loan growth.
SEC original ↗Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
Core PTPP EPSquarter
10.6%
(3) See details on slide 11 Financial Highlights $0.36 Core Diluted EPS(1) $91 million Net Interest Income 0.60% Core ROAA(1) 7.19% Core ROTCE(1) $0.54 Core PTPP Diluted EPS(1) 10.6% CET1 Ratio(2) Total loans increased $373 million (or 14% annualized), including $219 million of commercial and industrial loan growth.
SEC original ↗Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
AI analysis
Q3 2025 · reported Oct 22, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $17.3 million | — | — |
| Basic EPS | $ 0.30 | — | — |
| EPS | $0.36 | — | — |
| Core EPS | 0.60% | — | — |
| Core PTPP EPS | 10.6% | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
3 The Company s Board of Directors declared its 115 th consecutive quarterly cash dividend on common stock.
Event summary
ANNOUNCES THIRD QUARTER FINANCIAL
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
3 The Company s Board of Directors declared its 115 th consecutive quarterly cash dividend on common stock.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
The quarterly cash dividend on common stock of $0.20 per share will be paid on November 14, 2025 to common stockholders of record on November 3, 2025.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
The cost of average interest-bearing liabilities decreased to 2.85%, from 3.20%, primarily due to lower cost of deposits and, to a lesser extent, Federal Home Loan Bank ( FHLB ) advances, partly offset by an increase in the cost of other borrowings.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Average interest-bearing liabilities increased by $100.7 million, primarily due to increases in FHLB advances, partly offset by a decrease in other borrowings.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Average interest-bearing liabilities decreased by $85.2 million, primarily due to decreases in other borrowings and total deposits, partly offset by an increase in FHLB advances.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
The cost of average interest-bearing liabilities increased to 2.85%, from 2.77%, primarily due to an increase in the cost of other borrowings related to subordinated debt that repriced to a variable rate in May 2025.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Strategy & priorities
Residential Outsourcing The current quarter results include the impact of the Company s strategic decision to outsource residential loan originations and title business.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
The residential outsourcing initiative will result in an 11% reduction in workforce and result in an anticipated annual expense savings of $14 million offset in part by a reduction in gain on sale of loans starting in 2026.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Results of Operations During the current quarter, the Company recognized $4.1 million of restructuring charges related to the Company s residential outsourcing initiative.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Forward-Looking Statements In addition to historical information, this news release contains certain f orward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are based on certain assumptions and describe future plans, strategies and expectations of the Company.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
The Company s ability to predict results or the actual effect of future plans or strategies is inherently uncertai n .
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
Risks & headwinds
These risks and uncertainties are further discussed in the Company s Annual Report on Form 10-K for the year ended December 31, 2024, under Item 1A - Risk Factors and elsewhere, and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements.
SEC original ↗Oceanfirst Financial Corp — Earnings release (8-K exhibit)EX-99Oct 22, 2025
These estimates involve inherent risks and uncertainties and are based on assumptions that are subject to change.
SEC original ↗Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
2,041 Includes $3.3 million of increased provision related to elevated uncertainty in the macroeconomic environment despite strong asset quality metrics.
SEC original ↗Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 Net Interest Income and Net Interest Margin Trends Net Interest Margin NIM Bridge 2.67% Q3-24 2.69% Q4-24 2.90% Q1-25 2.91% Q2-25 2.91% Q3-25 NIM Net Interest Income ($ 000) 82,219 Q3-24 83,329 Q4-24 86,652 Q1-25 87,636 Q2-25 90,657 Q3-25 Net Interest Income Headwinds Competitive market environment as peers compete on rate for quality credit.
SEC original ↗Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025
Earnings deck slides
0 decks with slide viewOceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Oceanfirst Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
36 documents- Q3 2026
- 8-KOCFC
Oct 27, 2026
- Q2 2026
- 10-QOCFC
- 8-KOCFC
Jul 31, 2026
- Q1 2026
- 8-KOCFC
Jun 30, 2026
- 8-K/AOCFC
Jun 30, 2026
- 8-KOCFC
- 8-KOCFC
- 8-KOCFC
May 28, 2026
- 8-KOCFC
- 10-QOCFC
- 8-KOCFC
Apr 27, 2026
- 8-KOCFC
Apr 23, 2026
- 8-KOCFC
Apr 15, 2026
- EX-99OCFC
Apr 15, 2026
- 8-KOCFC
- EX-99OCFC
- Q4 2025
- 10-KOCFC
Feb 27, 2026
- 8-KOCFC
Jan 29, 2026
- 8-KOCFC
Jan 22, 2026
- 8-KOCFC
- Q3 2025
- 8-KOCFC
Dec 30, 2025
- EX-99OCFC
Dec 30, 2025
- 10-QOCFC
- 8-KOCFC
Oct 29, 2025
- EX-99OCFC
Oct 29, 2025
- 8-KOCFC
Oct 22, 2025
- 8-KOCFC
Oct 22, 2025
- Q2 2025
- 8-KOCFC
- 10-QOCFC
- 8-KOCFC
Jul 24, 2025
- 8-KOCFC
Jul 17, 2025
- EX-99OCFC
Jul 17, 2025
- Q1 2025
- 8-KOCFC
May 21, 2025
- 10-QOCFC
- 8-KOCFC
Apr 24, 2025
- 8-KOCFC
Apr 18, 2025
Earnings releases
15 documentsPresentations
9 documents
Transcripts
0 documentsNo transcripts for Oceanfirst Financial Corp are held in this edition of the library.
Mentioned by
1 companyOther tracked companies whose held documents mention Oceanfirst Financial Corp by name or ticker. A mention is counted once per document, from the document text the library holds.
Metropolitan Bank Holding Corp. (MCB)
“y. • Q4'25 digital transformation costs – $3.1 million • Full integration… …CNOB, DCOM, OCFC, PFS and VLY. 2 Cumulative shareholder return (change in stock price plus reinvested dividends), rebased to 100. Skilled Nuring CRE and C&I 40% Other C&I”
See also the earnings calendar for every tracked company’s next earnings date.