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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:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear.

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 three?
OceanFirst Financial (OCFC) reported year three of $927.26M in Q2 2026.
How has OceanFirst Financial's year three changed year-over-year?
OceanFirst Financial's year three increased by 80.3% year-over-year, from $514.4M to $927.26M.
What is the long-term trend for OceanFirst Financial's year three?
Over 5 years (2020 to 2025), OceanFirst Financial's year three has grown at a -9.3% compound annual growth rate (CAGR), from $817.61M to $500.72M.
What does year three mean?
The portion of the financing receivable portfolio scheduled to mature or be repaid during the third year. This data point helps analysts model the bank's long-term asset repricing and cash flow expectations. It is used to gauge the stability and predictability of the bank's interest-earning asset base.

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