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OceanFirst Financial OCFC Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$104.7MBeat by $1.5M
EPS$0.41Beat by $0.02
Revenue estimate$103.2M
EPS estimate$0.39

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$179.2M
EPS estimate$0.47

Financials

Q4 2025

Income statement

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Revenue$104.7M+9.6%
Net income$13.1M-40.2%
EPS (diluted)$0.23-36.1%

Balance sheet

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Cash & equivalents$135.1M+9.3%
Total debt$2.9B+62.7%
Total equity$1.7B-2.3%
Total assets$14.6B+8.5%

Cash flow

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Operating cash flow$36.0M-19.6%
CapEx$2.9M+78.1%
Free cash flow$33.1M-23.3%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.03B-2.7%
Enterprise value$3.82B+39.8%
P/E14.5×+3.9×
P/S2.5×-0.2×

Profitability

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Net margin17.5%-8.5pp
FCF margin19.6%—

Returns & leverage

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Return on equity4.2%-1.7pp
Debt / equity1.8×+0.7×

Segments

By product

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Fees and service charges$3.0M-51.8%
Trust and asset management revenue$350.0K-15.9%

FAQ

When did OceanFirst Financial report Q4 2025 earnings?
OceanFirst Financial (OCFC) reported Q4 2025 earnings on January 22, 2026 after market close.
What were OceanFirst Financial's Q4 2025 revenue and EPS?
OceanFirst Financial reported revenue of $104.7M and eps of $0.41 for Q4 2025.
Did OceanFirst Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $103.2M by $1.5M. EPS beat the consensus estimate of $0.39 by $0.02.
How did OceanFirst Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.9% from $94.4M a year earlier and eps grew 7.9% from $0.38.
Where can I find OceanFirst Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001004702-26-000005) and the 10-K periodic report (0001004702-26-000015) directly on SEC EDGAR. The filing index links above go to sec.gov.