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OceanFirst Financial OCFC Capital conversation buffer

Capital conversation buffer at other companies

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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$1.12B+60.4%
Enterprise value$2.51B+46.4%
P/E16.1×+8.1×
P/S2.7×+0.9×

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:BankingRegulationLeverageBufferActual.

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 capital conversation buffer?
OceanFirst Financial (OCFC) reported capital conversation buffer of $0.03 in Q4 2025.
How has OceanFirst Financial's capital conversation buffer changed year-over-year?
OceanFirst Financial's capital conversation buffer decreased by 0.0% year-over-year, from $0.03 to $0.03.
What is the long-term trend for OceanFirst Financial's capital conversation buffer?
Over 5 years (2020 to 2025), OceanFirst Financial's capital conversation buffer has grown at a 0.0% compound annual growth rate (CAGR), from $0.03 to $0.03.
What does capital conversation buffer mean?
This metric quantifies the actual capital buffer maintained by the bank to satisfy leverage-based regulatory requirements. It ensures that the institution does not become over-leveraged relative to its total exposure, regardless of risk-weighting. Investors use this to evaluate the bank's adherence to leverage constraints and its overall risk management posture.