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Segments

By product

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Fees and service charges$3.39M-31.8%
Trust and asset management revenue$384K+2.7%

Other financials

Income statement

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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$1.8B+76.9%
Enterprise value$3.88B+88.3%
P/E37.5×+25.9×
P/S4.1×+1.5×

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

Calculated from OceanFirst Financial’s reported figures.

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
Line itemFor the Three Months Ended June 30, 2026For the Three Months Ended June 30, 2025For the Six Months Ended June 30, 2026For the Six Months Ended June 30, 2025
Net interest income after provision for credit losses116,72884,597210,437165,909
Other income (loss):
Bankcard services revenue1,7721,6193,4013,082
Trust and asset management revenue384374817780
Fees and service charges3,3894,9696,2029,681
Net gain on sales of loans381,177102,035
Net (loss) gain on equity investments(347)488(701)693
Net gain (loss) from other real estate operations1,203(260)1,039(276)

Item 4. Controls and Procedures

FAQ

What is OceanFirst Financial's total revenue?
OceanFirst Financial (OCFC) reported total revenue of $131.33M in Q2 2026.
How has OceanFirst Financial's total revenue changed year-over-year?
OceanFirst Financial's total revenue increased by 32.2% year-over-year, from $99.37M to $131.33M.
What is the long-term trend for OceanFirst Financial's total revenue?
Over 4 years (2021 to 2025), OceanFirst Financial's total revenue has grown at a 3.2% compound annual growth rate (CAGR), from $357.27M to $404.92M.
What does total revenue mean?
The aggregate of all revenue from the company's operations — the top line from which all profitability metrics are derived.

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