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OceanFirst Financial OCFC Q3 2025 earnings

Reported October 22, 2025 · After market close

Revenue$101.8MMiss by $3.1M
EPS$0.36Beat by $0.02
Revenue estimate$104.9M
EPS estimate$0.34

Next report

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

Financials

Q3 2025

Income statement

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Revenue$103.0M+6.3%
Net income$17.3M-31.0%
EPS (diluted)$0.30-28.6%

Balance sheet

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Cash & equivalents$274.1M+28.0%
Total debt$2.0B+40.8%
Total equity$1.7B-2.4%
Total assets$14.3B+6.2%

Cash flow

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Operating cash flow$24.4M—
CapEx$1.6M+44.4%
Free cash flow$22.8M—

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$1.01B-7.1%
Enterprise value$2.72B+19.2%
P/E12.6×+2.4×
P/S2.5×-0.2×

Profitability

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Net margin20.2%-7.1pp
FCF margin22.6%—

Returns & leverage

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Return on equity4.8%-1.6pp
Debt / equity1.2×+0.4×

Segments

By product

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Fees and service charges$5.2M-14.9%
Trust and asset management revenue$384.0K0.0%

FAQ

When did OceanFirst Financial report Q3 2025 earnings?
OceanFirst Financial (OCFC) reported Q3 2025 earnings on October 22, 2025 after market close.
What were OceanFirst Financial's Q3 2025 revenue and EPS?
OceanFirst Financial reported revenue of $101.8M and eps of $0.36 for Q3 2025.
Did OceanFirst Financial beat estimates in Q3 2025?
Revenue missed the consensus estimate of $104.9M by $3.1M. EPS beat the consensus estimate of $0.34 by $0.02.
How did OceanFirst Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.3% from $95.8M a year earlier and eps declined 7.7% from $0.39.
Where can I find OceanFirst Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001004702-25-000124) and the 10-Q periodic report (0001004702-25-000129) directly on SEC EDGAR. The filing index links above go to sec.gov.