What is OceanFirst Financial's free cash flow margin?

OceanFirst Financial (OCFC) reported free cash flow margin of 25.9% in Q1 2026.

What is the long-term trend for OceanFirst Financial's free cash flow margin?

Over 2 years (2020 to 2025), OceanFirst Financial's free cash flow margin has grown at a -19.9% compound annual growth rate (CAGR), from 30.6% to 19.6%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

OceanFirst Financial OCFC Free cash flow margin

Free cash flow margin at other companies

M&T BankMTB

32.2%-5.2pp

Valley National BankVLY

26.5%—

WaFd, Inc.WAFD

28.4%-6.7pp

Bank First CorporationBFC

15.5%-22.6pp

Heritage FinancialHFWA

30.1%+0.4pp

Business First BancsharesBFST

27%-0.7pp

Other financials

Income statement

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Revenue$103.2M+5.4%

Net income$20.5M-4.7%

EPS (diluted)$0.36+2.9%

Balance sheet

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Cash & equivalents$137.0M-16.3%

Total debt$1.5B+29.7%

Total equity$1.7B-2.3%

Total assets$14.6B+9.4%

Cash flow

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Operating cash flow$25.2M+1,512%

CapEx$2.0M+5.2%

Free cash flow$23.3M+739%

Valuation

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Market cap$1.08B+11.0%

Enterprise value$2.46B+24.3%

P/E15.4×+5.0×

P/S2.6×+0.1×

Profitability

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Net margin17.1%-7.2pp

Returns & leverage

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Return on equity4.1%-1.4pp

Debt / equity0.9×+0.2×

Where this comes from

Calculated from OceanFirst Financial’s reported figures.

free cash flow/total revenue=25.9%

Based on trailing twelve months.

The official record: OceanFirst Financial’s 10-Q, filed May 1, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OceanFirst Financial's free cash flow margin?: OceanFirst Financial (OCFC) reported free cash flow margin of 25.9% in Q1 2026.
What is the long-term trend for OceanFirst Financial's free cash flow margin?: Over 2 years (2020 to 2025), OceanFirst Financial's free cash flow margin has grown at a -19.9% compound annual growth rate (CAGR), from 30.6% to 19.6%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.