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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Free Cash flow
$33,461K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sale of loans
Net repayment of fhlb advances
Cash received, net of cash consi...
Others
Negative Cash Flow Breakdown
Purchase of debt securities htm
(decrease) increase in deposits
Purchase of debt securities afs
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net (loss) income
-3,029
20,506
13,093
17,386
Depreciation and amortization of premises and equipment
3,095
2,641
2,603
2,614
Allocation of esop stock
307
304
307
294
Stock compensation
2,918
953
1,454
869
Net excess tax expense on stock compensation
-119
-75
0
0
Amortization of servicing asset
195
265
185
132
Net (discount) premium amortization in excess of discount accretion on securities
3,326
3,011
3,173
448
Net amortization of deferred costs on borrowings
155
155
99
0
Amortization of intangibles
2,586
848
888
900
Net accretion of purchase accounting adjustments
1,168
70
235
529
Net amortization of deferred fees/costs and premiums/discounts on loans
1,874
1,759
2,371
2,390
Provision for credit losses
4,002
2,738
3,700
4,092
Net write-down of fixed assets held-for-sale to net realizable value
-
-
0
-
Net loss (gain) on sale of fixed assets
-
-
0
0
Net (gain) loss on sale of oreo and fixed assets
9
10
-
-
Net loss on sales of afs securities
0
-
30
-8
Net loss (gain) on equity investments
-347
-354
230
-7
Net gain on sales of loans
38
-28
751
900
Proceeds from sales of residential loans held for sale
38
2,676
108,237
146,634
Residential loans originated for sale
-
-
95,488
147,756
Net residential loans originated for sale
0
3,064
-
-
Write down of other real estate owned
-
-
0
4
Net write (up) down of oreo
-1,256
-
-
-
Increase in cash surrender value of bank owned life insurance
2,638
1,756
1,834
1,774
Net (gain) loss on sale of assets held for sale
-
-
0
0
Decrease in interest and dividends receivable
-1,808
578
1,404
3,574
Shares issued to oceanfirst foundation
5,000
-
-
-
Deferred tax provision (benefit)
1,172
-2
3,034
14
Net loss on disposal of controlling interest in trident
-
-
-4,338
-
Decrease in other assets
-39,623
-4,590
5,343
-1,609
Decrease in other liabilities
-11,988
-6,801
8,924
7,241
Total adjustments
39,068
4,704
22,910
7,025
Net cash provided by (used in) operating activities
36,039
25,210
36,003
24,411
Net increase in loans receivable
-42,298
-89,706
-487,569
-370,147
Proceeds from sale of loans
1,201,786
-6,361
-
0
Proceeds from sales of non-performing loans
2,037
-
-
-
Purchase of loan pools, net of discount
0
0
0
0
Discounts received (premiums paid) on purchased loan pools
-
-
0
0
Proceeds from sale of loans
-
-
8,640
-
Purchase of debt securities afs
318,440
8,356
51,991
706,062
Purchase of debt securities held-to-maturity
-
-
0
0
Purchase of debt securities htm
979,556
-
-
-
Purchase of equity investments
1,269
2,212
1,027
3,400
Proceeds from maturities and calls of debt securities afs
1,684
4,875
4,314
2,350
Proceeds from maturities and calls of debt securities htm
8,986
8,874
8,257
17,454
Proceeds from sales of debt securities available-for-sale
157,792
-
42,451
93,743
Proceeds from sales of equity investments
-
-
365
-
Proceeds from calls and sales of equity investments
27,091
5,030
-
365
Principal repayments on debt securities afs
54,587
50,796
51,543
218,194
Principal repayments on debt securities htm
43,621
20,580
30,794
32,304
Proceeds from bank owned life insurance
1,124
407
669
3,822
Proceeds from the redemption of restricted equity investments
137,918
157,716
126,994
81,720
Purchases of restricted equity investments
181,167
147,890
113,925
117,580
Capitalized improvements to oreo
173
261
-
-
Proceeds from sale of oreo
1,776
144
0
510
Proceeds from sales of assets held-for-sale
-
-
0
0
Purchases of premises and equipment
2,578
1,952
2,881
1,570
Proceeds from disposal of premises and equipment
-
-
0
0
Proceeds from disposal of controlling interest in trident
-
-
2,750
-
Net cash consideration paid for acquisition
-
-
0
0
Cash received, net of cash consideration paid for acquisition
305,707
-
-
-
Net cash provided by investing activities
418,628
-1,590
-387,342
-888,195
(decrease) increase in deposits
-838,418
191,511
488,320
203,552
Increase in short-term borrowings
-5,935
12,800
-10,451
3,362
Net repayment of fhlb advances
388,500
-217,000
-308,406
766,898
Net proceeds from issuance of subordinated notes
-
-
181,882
-
Net proceeds from other borrowings
-
-
-
0
Repayments of other borrowings
-
-
125,000
-
Increase in advances by borrowers for taxes and insurance
-58,257
4,606
-2,463
4,949
Exercise of stock options
0
2,323
539
42
Payment of employee taxes withheld from stock awards and phantom stock units
3,212
1,155
19
0
Purchase of treasury stock
3,605
3,389
558
42
Net proceeds from capital raise
214,843
-
-
-
Dividends paid
11,507
11,465
11,451
11,451
Redemption of preferred stock
0
-
0
0
Distributions to non-controlling interest
0
0
49
0
Net cash used in financing activities
-317,591
-21,769
212,344
967,310
Net increase in cash and due from banks and restricted cash
137,076
1,851
-138,995
103,526
Cash and due from banks and restricted cash at beginning of period
136,981
-
-
-
Cash and due from banks and restricted cash at end of period
274,057
-
-
-
Cash and due from banks at beginning of period
135,130
-
-
-
Restricted cash at beginning of period
0
-
-
-
Cash and due from banks and restricted cash at beginning of period
136,981
135,130
274,125
123,615
Cash and due from banks at end of period
274,057
-
-
-
Restricted cash at end of period
0
-
-
-
Cash and due from banks and restricted cash at end of period
274,057
136,981
135,130
274,125
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Decrease in other assets
-$39,623K
(-19.88%↓ Y/Y)
Shares issued to
oceanfirst foundation
$5,000K
Provision for credit
losses
$4,002K
(-52.24%↓ Y/Y)
Depreciation and
amortization of premises and...
$3,095K
(-39.11%↓ Y/Y)
Stock compensation
$2,918K
(14.61%↑ Y/Y)
Amortization of intangibles
$2,586K
(40.09%↑ Y/Y)
Decrease in interest and
dividends receivable
-$1,808K
(3.93%↑ Y/Y)
Deferred tax provision
(benefit)
$1,172K
(3105.13%↑ Y/Y)
Net loss (gain) on
equity investments
-$347K
(-150.07%↓ Y/Y)
Allocation of esop stock
$307K
(-45.76%↓ Y/Y)
Amortization of servicing
asset
$195K
(19.63%↑ Y/Y)
Net amortization of
deferred costs on...
$155K
(-35.15%↓ Y/Y)
Net excess tax
expense on stock...
-$119K
(38.97%↑ Y/Y)
Proceeds from sales of
residential loans held for...
$38K
(-99.98%↓ Y/Y)
Proceeds from sale of
loans
$1,201,786K
(18793.04%↑ Y/Y)
Total adjustments
$39,068K
(384.11%↑ Y/Y)
Cash received, net of
cash consideration...
$305,707K
Proceeds from sales of
debt securities...
$157,792K
(2798.46%↑ Y/Y)
Proceeds from the
redemption of restricted...
$137,918K
(8.34%↑ Y/Y)
Principal repayments on
debt securities afs
$54,587K
Principal repayments on
debt securities htm
$43,621K
(-15.32%↓ Y/Y)
Proceeds from calls and
sales of equity...
$27,091K
Proceeds from maturities
and calls of debt...
$8,986K
(-66.72%↓ Y/Y)
Proceeds from sales of
non-performing loans
$2,037K
(-67.98%↓ Y/Y)
Proceeds from sale of oreo
$1,776K
(341.79%↑ Y/Y)
Proceeds from maturities
and calls of debt...
$1,684K
(-48.18%↓ Y/Y)
Proceeds from bank owned
life insurance
$1,124K
(-57.78%↓ Y/Y)
Canceled cashflow
$22,297K
Net cash provided by
investing activities
$418,628K
(318.91%↑ Y/Y)
Net cash provided by
(used in) operating...
$36,039K
(34.49%↑ Y/Y)
Canceled cashflow
$1,525,481K
Canceled cashflow
$3,029K
Decrease in other
liabilities
-$11,988K
(81.21%↑ Y/Y)
Net (discount)
premium amortization in...
$3,326K
(4156.10%↑ Y/Y)
Increase in cash
surrender value of bank...
$2,638K
(-27.49%↓ Y/Y)
Net amortization of
deferred fees/costs and...
$1,874K
(-59.85%↓ Y/Y)
Net write (up) down
of oreo
-$1,256K
Net accretion of
purchase accounting...
$1,168K
(69.03%↑ Y/Y)
Net gain on sales of
loans
$38K
(-98.13%↓ Y/Y)
Net (gain) loss on
sale of oreo and fixed...
$9K
Net increase in cash
and due from banks...
$137,076K
(191.75%↑ Y/Y)
Canceled cashflow
$317,591K
Purchase of debt
securities htm
$979,556K
Purchase of debt
securities afs
$318,440K
(516.40%↑ Y/Y)
Purchases of restricted
equity investments
$181,167K
(44.69%↑ Y/Y)
Net increase in
loans receivable
-$42,298K
(24.83%↑ Y/Y)
Purchases of premises and
equipment
$2,578K
(-20.65%↓ Y/Y)
Purchase of equity
investments
$1,269K
(-60.59%↓ Y/Y)
Capitalized improvements to
oreo
$173K
Net repayment of
fhlb advances
$388,500K
(390.09%↑ Y/Y)
Net proceeds from
capital raise
$214,843K
Net (loss) income
-$3,029K
(-107.47%↓ Y/Y)
Net cash used in
financing activities
-$317,591K
(-298.26%↓ Y/Y)
Canceled cashflow
$603,343K
(decrease) increase in
deposits
-$838,418K
(-604.76%↓ Y/Y)
Increase in advances by
borrowers for taxes and...
-$58,257K
(-1263.69%↓ Y/Y)
Dividends paid
$11,507K
(-54.60%↓ Y/Y)
Increase in short-term
borrowings
-$5,935K
(-770.62%↓ Y/Y)
Purchase of treasury
stock
$3,605K
(-85.17%↓ Y/Y)
Payment of employee
taxes withheld from...
$3,212K
(132.25%↑ Y/Y)
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OCEANFIRST FINANCIAL CORP (OCFC)
OCEANFIRST FINANCIAL CORP (OCFC)