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Year four at other companies

M&T Bank logo
M&T BankMTB
$10.53B-38.1%
Heritage Financial logo
Heritage FinancialHFWA
$598.01M-31.3%
Hope Bancorp logo
Hope BancorpHOPE
$808.23M-75.5%
SBC
Seacoast Banking Corporation of FloridaSBCF
Apollo Commercial Real Estate Finance logo
Apollo Commercial Real Estate FinanceARI

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
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:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

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 year four?
OceanFirst Financial (OCFC) reported year four of $479.22M in Q1 2026.
How has OceanFirst Financial's year four changed year-over-year?
OceanFirst Financial's year four decreased by 74.7% year-over-year, from $1.89B to $479.22M.
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.