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Year four at other companies

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$10.53B-38.1%
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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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

The source filing: OceanFirst Financial’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:09 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001004702-26-000120
Other consumer (1)
Pass29,06322,53620,73912,185110,346136195,005
Special Mention6262
Substandard851,7561,841
Total other consumer29,06322,53620,82412,185112,164136196,908
Gross charge-offs(29)(5)(121)(155)
Total loans$$919,791$$2,130,337$$927,261$$994,718$$2,388,952$$7,316,074$$1,598,619$$16,275,752
Total gross charge-offs$$(351)$$(225)$$(1,114)$$(414)$$(152)$$(476)$$$(2,732)

Item 4. Controls and Procedures

FAQ

What is OceanFirst Financial's year four?
OceanFirst Financial (OCFC) reported year four of $994.72M in Q2 2026.
How has OceanFirst Financial's year four changed year-over-year?
OceanFirst Financial's year four decreased by 48.1% year-over-year, from $1.92B to $994.72M.
What is the long-term trend for OceanFirst Financial's year four?
Over 5 years (2020 to 2025), OceanFirst Financial's year four has grown at a 17.9% compound annual growth rate (CAGR), from $800.73M to $1.82B.
What does year four mean?
The portion of the financing receivable portfolio scheduled to mature or be repaid during the fourth year. This metric contributes to the long-term maturity profile of the bank's loan book. It is essential for assessing the bank's exposure to long-term interest rate cycles and future reinvestment risk.

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