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OceanFirst Financial OCFC Q2 2025 earnings

Reported July 24, 2025 · After market close

Revenue$96.3MMiss by $8.7M
EPS$0.31Miss by $0.02
Revenue estimate$105.0M
EPS estimate$0.33

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$179.8M
EPS estimate$0.47

Financials

Q2 2025

Income statement

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Revenue$99.4M+6.6%
Net income$19.0M-21.9%
EPS (diluted)$0.28-30.0%

Balance sheet

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Cash & equivalents$170.6M-5.8%
Total debt$1.2B-7.5%
Total equity$1.6B-2.0%
Total assets$13.3B0.0%

Cash flow

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Operating cash flow$28.6M+20.5%
CapEx$1.4M-66.7%
Free cash flow$27.2M+39.2%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.01B+8.5%
Enterprise value$2.06B-0.4%
P/E11.6×+2.4×
P/S2.6×+0.2×

Profitability

See full
Net margin22.5%-3.3pp

Returns & leverage

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Return on equity5.3%-0.9pp
Debt / equity0.7×0.0×

Segments

By product

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Fees and service charges$5.0M-0.9%
Trust and asset management revenue$374.0K-10.7%

FAQ

When did OceanFirst Financial report Q2 2025 earnings?
OceanFirst Financial (OCFC) reported Q2 2025 earnings on July 24, 2025 after market close.
What were OceanFirst Financial's Q2 2025 revenue and EPS?
OceanFirst Financial reported revenue of $96.3M and eps of $0.31 for Q2 2025.
Did OceanFirst Financial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $105.0M by $8.7M. EPS missed the consensus estimate of $0.33 by $0.02.
How did OceanFirst Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.5% from $92.2M a year earlier and eps declined 20.5% from $0.39.
Where can I find OceanFirst Financial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001004702-25-000104) and the 10-Q periodic report (0001004702-25-000108) directly on SEC EDGAR. The filing index links above go to sec.gov.