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OceanFirst Financial OCFC Banking Regulation Capital Conservation Buffer Capital Conserved Minimum

Banking Regulation Capital Conservation Buffer Capital Conserved Minimum at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.030.0%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$0.030.0%
Pathward Financial, Inc. logo
Pathward Financial, Inc.CASH
$0.030.0%
Ally Financial logo
Ally FinancialALLY
$0.030.0%
OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.110.0%
Metropolitan Bank Holding Corp. logo
Metropolitan Bank Holding Corp.MCB
8%0.0pp

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$1.09B+11.8%
Enterprise value$2.47B+24.8%
P/E15.5×+5.1×
P/S2.7×+0.1×

Profitability

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Net margin17.1%-7.2pp
FCF margin25.9%

Returns & leverage

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Return on equity4.1%-1.4pp
Debt / equity0.9×+0.2×

Where this comes from

Reported directly by OceanFirst Financial in its filing.

Tagged under the XBRL concept us-gaap:BankingRegulationCapitalConservationBufferCapitalConservedMinimum.

The official record: OceanFirst Financial’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OceanFirst Financial's banking regulation capital conservation buffer capital conserved minimum?
OceanFirst Financial (OCFC) reported banking regulation capital conservation buffer capital conserved minimum of $0.03 in Q4 2025.
What is the long-term trend for OceanFirst Financial's banking regulation capital conservation buffer capital conserved minimum?
Over 3 years (2022 to 2025), OceanFirst Financial's banking regulation capital conservation buffer capital conserved minimum has grown at a 0.0% compound annual growth rate (CAGR), from $0.03 to $0.03.
What does banking regulation capital conservation buffer capital conserved minimum mean?
This represents the minimum threshold of capital conservation buffer required by banking regulators to ensure the institution can withstand adverse economic conditions. It serves as a benchmark for assessing whether the bank is meeting its baseline safety obligations. Falling below this minimum can trigger restrictions on capital distributions, such as dividends or share buybacks.