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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:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear.

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 five?
OceanFirst Financial (OCFC) reported year five of $2.39B in Q2 2026.
How has OceanFirst Financial's year five changed year-over-year?
OceanFirst Financial's year five increased by 11.6% year-over-year, from $2.14B to $2.39B.
What is the long-term trend for OceanFirst Financial's year five?
Over 5 years (2020 to 2025), OceanFirst Financial's year five has grown at a 27.9% compound annual growth rate (CAGR), from $620.95M to $2.13B.
What does year five mean?
This represents the portion of financing receivables scheduled to mature or be collected in the fifth year from the reporting date. It provides insight into the long-term liquidity profile and the duration risk of the loan portfolio. Investors use this to assess the timing of cash inflows from long-term lending activities.

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