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OceanFirst Financial OCFC Fixed-rate

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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$1.09B+11.8%
Enterprise value$2.47B+24.8%
P/E15.5×+5.1×
P/S2.7×+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 ocfc:OtherCommitmentsToExtendCreditAtFixedRate.

The official record: OceanFirst Financial’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OceanFirst Financial's fixed-rate?
OceanFirst Financial (OCFC) reported fixed-rate of $133.62M in Q4 2025.
How has OceanFirst Financial's fixed-rate changed year-over-year?
OceanFirst Financial's fixed-rate increased by 32.2% year-over-year, from $101.06M to $133.62M.
What is the long-term trend for OceanFirst Financial's fixed-rate?
Over 5 years (2020 to 2025), OceanFirst Financial's fixed-rate has grown at a -10.6% compound annual growth rate (CAGR), from $234.61M to $133.62M.
What does fixed-rate mean?
This represents the total volume of undrawn credit commitments where the interest rate is locked at a fixed level for the borrower. It indicates the bank's exposure to interest rate risk if market rates rise significantly before these commitments are funded. Monitoring this helps assess the bank's sensitivity to interest rate fluctuations within its loan pipeline.