Financial insights of OCFC

MyFinsight

For the quarter ending 2026-03-31, OCFC made $433K in revenue. $20,506K in net income. Net profit margin of 4735.80%.

Income Overview

Revenue
$433K
Net Income
$20,506K
Net Profit Margin
4735.80%
EPS
$0.36
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Revenue	433	-	-	-
Bankcard services revenue	1,629	-	-	1,619
Revenue-Deposit Account	-	-	-	4,969
Net (loss) gain on sales of loans	-28	-	-	1,177
Revenue-Investment Advisory Management And Administrative Service	-	-	-	374
Net (loss) gain on equity investments	-354	-	-	488
Net loss from other real estate operations	-164	-	-	-260
Income from bank owned life insurance	1,874	-	-	1,786
Commercial loan swap income	345	-	-	207
Other	200	-	-	1,373
Total other income	6,748	9,411	12,304	11,733
Loans	145,324	146,550	141,847	135,478
Debt securities	19,810	21,681	17,156	15,950
Equity investments and other	3,157	3,501	3,191	3,397
Total interest income	168,291	171,732	162,194	154,825
Deposits	53,695	59,615	53,246	52,273
Borrowed funds	18,149	16,839	18,291	14,916
Total interest expense	71,844	76,454	71,537	67,189
Net interest income	96,447	95,278	90,657	87,636
Provision for credit losses	2,738	3,700	4,092	3,039
Net interest income after provision for credit losses	93,709	91,578	86,565	84,597
Compensation and employee benefits	39,484	40,984	41,387	40,242
Occupancy	5,832	5,825	6,098	5,454
Equipment	921	876	931	869
Marketing	963	1,466	1,538	1,541
Federal deposit insurance and regulatory assessments	3,215	3,102	2,616	2,898
Data processing	7,052	7,104	7,164	6,808
Check card processing	1,098	1,086	1,170	1,156
Professional fees	3,222	4,862	3,467	4,336
Amortization of intangibles	848	888	900	906
Branch consolidation expense, net	-	0*	-	-
Merger related expenses	4,150	12,547*	0	-
Restructuring charges	128	-915*	4,147	-
Other operating expenses	6,490	6,317	6,909	7,264
Total operating expenses	73,403	84,142	76,327	71,474
Income before provision for income taxes	27,054	16,847	22,542	24,856
Provision for income taxes	6,548	3,754	5,156	5,771
Net income	20,506	13,093	17,386	19,085
Net loss attributable to non-controlling interest	0	0	56	39
Net income attributable to oceanfirst financial corp	20,506	13,093	17,330	19,046
Dividends on preferred shares	0	0	0	1,004
Gain on redemption of preferred stock	-	0	0	1,842
Net income available to common stockholders, basic	20,506	13,093	17,330	16,200

Basic EPS	0.36	0.23	0.3	0.28
Diluted EPS	0.36	0.23	0.3	0.28
Basic Average Shares	57,043,000	56,805,000	57,031,000	57,738,000
Diluted Average Shares	57,048,000	56,813,000	57,036,000	57,740,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Revenue
$433K
Net Income
$20,506K
Net Profit Margin
4735.80%
EPS
$0.36
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$433K
Net Income
$20,506K
Net Profit Margin
4735.80%
EPS
$0.36
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$433KNet Income$20,506KNet Profit Margin4735.80%EPS$0.36Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$433KNet Income$20,506KNet Profit Margin4735.80%EPS$0.36Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$433K
Net Income
$20,506K
Net Profit Margin
4735.80%
EPS
$0.36
Unit: Thousand (K) dollars

Revenue
$433K
Net Income
$20,506K
Net Profit Margin
4735.80%
EPS
$0.36
Unit: Thousand (K) dollars