What is OceanFirst Financial's short-term borrowings?

OceanFirst Financial (OCFC) reported short-term borrowings of $1.2B in Q4 2025.

What is the long-term trend for OceanFirst Financial's short-term borrowings?

Over 3 years (2022 to 2025), OceanFirst Financial's short-term borrowings has grown at a -0.4% compound annual growth rate (CAGR), from $1.21B to $1.2B.

What does short-term borrowings mean?

Bank lines of credit, revolving credit facilities, and other short-term debt instruments with maturities under one year.

OceanFirst Financial OCFC Short-Term Borrowings

Short-Term Borrowings at other companies

JPMorgan ChaseJPM

$68.05B+4.7%

M&T BankMTB

$7.8B+420%

Valley National BankVLY

$63.88M+8.2%

WaFd, Inc.WAFD

$1.75B-16.8%

QCR HoldingsQCRH

$1.95M-4.9%

Hope BancorpHOPE

$285M+185%

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 us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate.

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 short-term borrowings?: OceanFirst Financial (OCFC) reported short-term borrowings of $1.2B in Q4 2025.
What is the long-term trend for OceanFirst Financial's short-term borrowings?: Over 3 years (2022 to 2025), OceanFirst Financial's short-term borrowings has grown at a -0.4% compound annual growth rate (CAGR), from $1.21B to $1.2B.
What does short-term borrowings mean?: Bank lines of credit, revolving credit facilities, and other short-term debt instruments with maturities under one year.