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OceanFirst Financial OCFC Floating-rate

Floating-rate at other companies

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60%—
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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:OtherCommitmentsToExtendCreditAtFloatingRate.

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 floating-rate?
OceanFirst Financial (OCFC) reported floating-rate of $339.34M in Q4 2025.
How has OceanFirst Financial's floating-rate changed year-over-year?
OceanFirst Financial's floating-rate increased by 78.8% year-over-year, from $189.75M to $339.34M.
What is the long-term trend for OceanFirst Financial's floating-rate?
Over 5 years (2020 to 2025), OceanFirst Financial's floating-rate has grown at a 21.1% compound annual growth rate (CAGR), from $130.45M to $339.34M.
What does floating-rate mean?
This represents the total volume of undrawn credit commitments where the interest rate fluctuates in real-time with market benchmarks. These loans offer the bank protection against interest rate volatility by ensuring that loan yields remain aligned with current market conditions. It reflects the bank's preference for variable-rate lending to manage net interest margin stability.