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OceanFirst Financial OCFC Employee Stock Ownership Plan ESOP Deferred Shares Fair Value

Employee Stock Ownership Plan ESOP Deferred Shares Fair Value at other companies

Eagle Bancorp Montana logo
Eagle Bancorp MontanaEBMT
$2.86M+11.3%
OceanFirst Financial logo
OceanFirst FinancialOCFC
$1.2M-50.0%
TFS Financial logo
TFS FinancialTFSL
$29.97M-13.9%
NEC
Northeast Community BancorpNECB
$13.75M+4.7%
Eagle Bancorp Montana logo
Eagle Bancorp MontanaEBMT
$411.93K-2.7%
TFS Financial logo
TFS FinancialTFSL
$11.61M0.0%

Other financials

Income statement

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Revenue$131.3M+32.2%
Net income-$3.0M-116%
EPS (diluted)-$0.04-114%

Balance sheet

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Cash & equivalents$274.1M+60.6%
Total debt$2.4B+94.0%
Total equity$2.4B+46.8%
Total assets$23.3B+74.6%

Cash flow

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Operating cash flow$36.0M+26.1%
CapEx$2.6M+85.1%
Free cash flow$33.5M+23.1%

Valuation

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Market cap$1.91B+102%
Enterprise value$4B+101%
P/E39.9×+29.1×
P/S4.3×+1.9×

Profitability

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Net margin10.8%-11.6pp
FCF margin25.5%

Returns & leverage

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Return on equity2.4%-2.9pp
Debt / equity+0.2×

Where this comes from

Reported directly by OceanFirst Financial in its filing.

Tagged under the XBRL concept us-gaap:EmployeeStockOwnershipPlanESOPDeferredSharesFairValue.

The source filing: OceanFirst Financial’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 4:27 PM EST
Fiscal year
FY2025
Accession
0001004702-26-000015

The Bank’s obligation to make such contributions is reduced to the extent of any dividends paid by the Company on unallocated shares and any investment earnings realized on such dividends. As of December 31, 2025 and 2024, contributions to the ESOP, which were used to fund principal and interest payments on the ESOP loan, totaled $1.5 million for each year. During 2025 and 2024, $105,000 and $158,000, respectively, of dividends paid on unallocated ESOP shares were used for debt service. At December 31, 2025 and 2024, the loan had an outstanding balance of $1.5 million and $2.9 million, respectively, and the ESOP had unallocated shares of 65,953 and 131,672, respectively. At December 31, 2025, the unallocated shares had a fair value of $1.2 million. The unamortized balance of the ESOP is shown as unallocated common stock held by the ESOP and is reflected as a reduction of stockholders’ equity.

Item 8. Financial Statements and Supplementary Data

FAQ

What is OceanFirst Financial's employee stock ownership plan ESOP deferred shares fair value?
OceanFirst Financial (OCFC) reported employee stock ownership plan ESOP deferred shares fair value of $1.2M in Q4 2025.
How has OceanFirst Financial's employee stock ownership plan ESOP deferred shares fair value changed year-over-year?
OceanFirst Financial's employee stock ownership plan ESOP deferred shares fair value decreased by 50.0% year-over-year, from $2.4M to $1.2M.
What is the long-term trend for OceanFirst Financial's employee stock ownership plan ESOP deferred shares fair value?
Over 5 years (2020 to 2025), OceanFirst Financial's employee stock ownership plan ESOP deferred shares fair value has grown at a -30.3% compound annual growth rate (CAGR), from $7.3M to $1.2M.
What does employee stock ownership plan ESOP deferred shares fair value mean?
Employee Stock Ownership Plan ESOP Deferred Shares Fair Value as reported by OceanFirst Financial Corp.

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