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OceanFirst Financial OCFC Allowance for unfunded lending related commitments

Allowance for unfunded lending related commitments at other companies

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$28.74M-13.6%
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OceanFirst Financial logo
OceanFirst FinancialOCFC
$1.79M-35.9%

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$1.92B+103%
Enterprise value$4.01B+101%
P/E40.1×+29.3×
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 / equity1×+0.2×

Where this comes from

Reported directly by OceanFirst Financial in its filing.

Tagged under the XBRL concept us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther.

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
Line itemDecember 31, 2025December 31, 2024
Deferred tax assets:
Allowance for credit losses on loans and debt securities HTM$21,529$18,981
Other reserves1,7872,790
Incentive compensation5,6204,345
Deferred compensation326338
Stock plans1,9982,239
Unrealized losses on assets held-for-sale225347
Unrealized losses on AFS securities8975,346

Item 8. Financial Statements and Supplementary Data

FAQ

What is OceanFirst Financial's allowance for unfunded lending related commitments?
OceanFirst Financial (OCFC) reported allowance for unfunded lending related commitments of $1.79M in Q4 2025.
How has OceanFirst Financial's allowance for unfunded lending related commitments changed year-over-year?
OceanFirst Financial's allowance for unfunded lending related commitments decreased by 35.9% year-over-year, from $2.79M to $1.79M.
What is the long-term trend for OceanFirst Financial's allowance for unfunded lending related commitments?
Over 5 years (2020 to 2025), OceanFirst Financial's allowance for unfunded lending related commitments has grown at a -6.4% compound annual growth rate (CAGR), from $2.49M to $1.79M.
What does allowance for unfunded lending related commitments mean?
Allowance for unfunded lending related commitments

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