Company research
OCEANFIRST FINANCIAL CORP
CIK 1004702Updated Sep 27, 2026
SecurityOCFC · NASDAQ · equity
Name history
OCEAN FINANCIAL CORP · through Mar 26, 1999
OCFC price & chart
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NASDAQ:OCFC on TradingView ↗About the company
OceanFirst Financial Corp.’s subsidiary, OceanFirst Bank N.A., founded in 1902, is a $23 billion regional bank serving business and retail customers throughout New Jersey, New York, Long Island, and the major metropolitan areas from Massachusetts through Virginia. OceanFirst Bank delivers commercial and residential financing, treasury management, trust and asset management, and deposit services and is one of the largest and oldest community-based financial institutions headquartered in New Jersey. To learn more about OceanFirst, please visit us at www.oceanfirst.com.
In the news
OceanFirst Financial Corp. Schedules Second Quarter 2026 Earnings Conference Call ↗
Halper Sadeh LLC Encourages ONTF, FFIC, OCFC Shareholders to Contact the Firm to Discuss Their Rights News provided by Halper Sadeh LLP Jan 15, 2026, 14:41 ET Share this article Share to X Share this article Share to X Shareholders should contact the firm as there may be limited time to enforce your ↗
$HAREHOLDER ALERT: The M&A Class Action Firm Is Investigating The Merger--FFIC, OCFC, VTYX, and ONTF News provided by Monteverde & Associates PC Jan 14, 2026, 14:35 ET Share this article Share to X Share this article Share to X NEW YORK , Jan. 14, 2026 /PRNewswire/ -- Class Action Attorney Juan Mont ↗
Recent filings
Show 5 more recent filings
10-Q filing
Results of Operations and Financial Condition · Regulation FD Disclosure · Other Events
Items 2.02, 7.01, 8.01, 9.01
8-K/A filing
Other Events
Items 8.01, 9.01
11-K filing
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 14,564,317,000Source | 13,421,247,000Source | 13,538,253,000Source | 13,103,896,000Source |
| GoodwillUSD | 517,481,000Source | 523,308,000Source | 506,146,000Source | 506,146,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 9,046,000Source | 12,680,000Source | 9,513,000Source | 13,497,000Source |
| Operating Lease, Right-of-Use AssetUSD | 17,596,000Source | 15,452,000Source | 18,979,000Source | 19,055,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 12,901,767,000Source | 11,718,490,000Source | 11,876,308,000Source | 11,518,432,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 1,000Source | 1,000Source | 1,000Source |
| Common Stock, Value, IssuedUSD | 625,000Source | 613,000Source | 613,000Source | 612,000Source |
| Retained Earnings (Accumulated Deficit)USD | 662,616,000Source | 641,727,000Source | 592,542,000Source | 540,507,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -2,159,000Source | -15,853,000Source | -20,862,000Source | -35,982,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,662,550,000Source | 1,701,650,000Source | 1,661,163,000Source | 1,584,662,000Source |
| Additional Paid in Capital, Common StockUSD | 1,118,331,000Source | 1,168,321,000Source | 1,161,755,000Source | 1,154,821,000Source |
| Liabilities and EquityUSD | 14,564,317,000Source | 13,421,247,000Source | 13,538,253,000Source | 13,103,896,000Source |
| Stockholders' Equity Attributable to Noncontrolling InterestUSD | 0Source | 1,107,000Source | 782,000Source | 802,000Source |
| Additional Financial Items | ||||
| Long-term DebtUSD | 255,233,000Source | 197,546,000Source | 196,456,000Source | 195,403,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 71,027,000Source | 100,390,000Source | 104,065,000Source | 147,357,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation, Depletion and AmortizationUSD | 10,300,000Source | 10,903,000Source | 12,327,000Source | 11,683,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 4,869,000Source | 6,084,000Source | 5,854,000Source | 6,638,000Source |
| Deferred Income Tax Expense (Benefit)USD | 3,009,000Source | -337,000Source | 3,151,000Source | 1,777,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 87,211,000Source | 92,243,000Source | 124,261,000Source | 250,450,000Source |
| Cash flows from investing activities: | ||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | 0Source | 68,932,000Source | — | — |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -1,175,605,000Source | 106,400,000Source | -487,997,000Source | -1,321,008,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 7,700,000Source | 7,567,000Source | 7,708,000Source | 16,107,000Source |
| Cash flows from financing activities: | ||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | 1,402,000Source | 2,391,000Source | 2,350,000Source | 1,502,000Source |
| Payments for Repurchase of Common StockUSD | 24,908,000Source | 21,476,000Source | 0Source | 7,396,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 1,099,909,000Source | -228,746,000Source | 349,468,000Source | 1,013,760,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 48,247,000Source | 50,880,000Source | 51,274,000Source | 47,511,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 11,515,000Source | -30,103,000Source | -14,268,000Source | -56,798,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 135,130,000Source | 123,615,000Source | 153,718,000Source | 167,986,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 279,171,000Source | 320,264,000Source | 225,405,000Source | 49,700,000Source |
| Income Taxes Paid, NetUSD | 20,689,000Source | — | — | — |
| Additional Financial Items | ||||
| Share-based Payment Arrangement, ExpenseUSD | 7,385,000Source | 7,791,000Source | 6,946,000Source | 7,192,000Source |
| Amortization of Deferred ChargesUSD | — | — | 3,984,000Source | 4,718,000Source |
| Amortization of Debt Issuance Costs and DiscountsUSD | 338,000Source | 626,000Source | 598,000Source | 548,000Source |
| Amortization of Intangible AssetsUSD | 3,634,000Source | 3,333,000Source | — | — |
| Bank Owned Life Insurance IncomeUSD | 7,753,000Source | 7,905,000Source | 5,280,000Source | 6,578,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | 9,685,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | -34,000Source | -156,000Source | -697,000Source | -108,000Source |
| Equipment ExpenseUSD | 3,597,000Source | 4,250,000Source | 4,650,000Source | 4,987,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 352,000Source | -49,000Source | -5,462,000Source | 1,351,000Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | 564,000Source | 4,274,000Source | 1,730,000Source | 8,334,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 15,564,000Source | 5,478,000Source | 18,695,000Source | 7,634,000Source |
| Gain (Loss) on Sale of InvestmentsUSD | -34,000Source | -106,000Source | -697,000Source | — |
| Gain (Loss) on Sale of Mortgage LoansUSD | 3,686,000Source | 2,358,000Source | 428,000Source | 358,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | -2,000Source | 131,000Source | 26,000Source | 38,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | 3,686,000Source | 2,358,000Source | 428,000Source | 358,000Source |
| GoodwillUSD | 517,481,000Source | 523,308,000Source | 506,146,000Source | 506,146,000Source |
| Income Tax Expense (Benefit)USD | 21,489,000Source | 30,266,000Source | 32,700,000Source | 46,565,000Source |
| Marketable Securities, Unrealized Gain (Loss)USD | 916,000Source | 4,225,000Source | -3,732,000Source | 9,685,000Source |
| Net Income (Loss) Attributable to ParentUSD | 70,978,000Source | 100,065,000Source | 104,029,000Source | 146,603,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | 49,000Source | 325,000Source | 36,000Source | 754,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 67,128,000Source | 96,049,000Source | 100,013,000Source | 142,587,000Source |
| Operating ExpensesUSD | 296,237,000Source | 245,877,000Source | 248,912,000Source | 234,881,000Source |
| Operating Lease, ExpenseUSD | — | — | — | 5,000,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 9,914,000Source | 19,537,000Source | 22,376,000Source | 104,449,000Source |
| Proceeds from Stock Options ExercisedUSD | 717,000Source | 571,000Source | 702,000Source | 424,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 16,171,000Source | 7,689,000Source | 17,678,000Source | — |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 92,516,000Source | 130,656,000Source | 136,765,000Source | 193,922,000Source |
| Income Tax Expense (Benefit)USD | 21,489,000Source | 30,266,000Source | 32,700,000Source | 46,565,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | 49,000Source | 325,000Source | 36,000Source | 754,000Source |
| Net Income (Loss) Attributable to ParentUSD | 70,978,000Source | 100,065,000Source | 104,029,000Source | 146,603,000Source |
| Earnings Per Share, BasicUSD per share | 1.17Source | 1.65Source | 1.7Source | 2.43Source |
| Earnings Per Share, DilutedUSD per share | 1.17Source | 1.65Source | 1.7Source | 2.42Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 57,419,000Source | 58,296,000Source | 58,948,000Source | 58,730,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 57,425,000Source | 58,297,000Source | 58,957,000Source | 58,878,000Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 3,634,000Source | 3,333,000Source | — | — |
| Bank Owned Life Insurance IncomeUSD | 7,753,000Source | 7,905,000Source | 5,280,000Source | 6,578,000Source |
| Business Combination, Acquisition Related CostsUSD | 4,253,000Source | 1,779,000Source | 22,000Source | 2,735,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 0.8Source | 0.8Source | 0.8Source | 0.74Source |
| Current Income Tax Expense (Benefit)USD | 18,480,000Source | 30,603,000Source | 29,549,000Source | 44,788,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | 9,685,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | 10,300,000Source | 10,900,000Source | 11,500,000Source | — |
| Equipment ExpenseUSD | 3,597,000Source | 4,250,000Source | 4,650,000Source | 4,987,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 352,000Source | -49,000Source | -5,462,000Source | 1,351,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 15,564,000Source | 5,478,000Source | 18,695,000Source | 7,634,000Source |
| Interest ExpenseUSD | — | — | 238,243,000Source | 53,698,000Source |
| InterestExpenseOperatingUSD | 282,231,000Source | 308,138,000Source | — | — |
| Interest Expense, Securities Sold under Agreements to RepurchaseUSD | 1,711,000Source | 1,893,000Source | 931,000Source | 159,000Source |
| Interest Income, Debt Securities, OperatingUSD | 72,057,000Source | 77,749,000Source | 59,273,000Source | 34,407,000Source |
| Interest Income (Expense), NetUSD | 360,223,000Source | 334,035,000Source | 369,731,000Source | 377,477,000Source |
| Labor and Related ExpenseUSD | 159,353,000Source | 138,341,000Source | 135,802,000Source | 131,915,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 67,128,000Source | 96,049,000Source | 100,013,000Source | 142,587,000Source |
| Operating ExpensesUSD | 296,237,000Source | 245,877,000Source | 248,912,000Source | 234,881,000Source |
| Operating Lease, ExpenseUSD | — | — | — | 5,000,000Source |
| Other Cost and Expense, OperatingUSD | 26,353,000Source | 23,068,000Source | 20,029,000Source | 17,631,000Source |
| Preferred Stock Dividends and Other AdjustmentsUSD | 2,008,000Source | 4,016,000Source | 4,016,000Source | 4,016,000Source |
Offerings
Registration 333-293282
Filing attachments
ex991-earningsreleasejune2.htm · 8-K · 2026-07-31
EX-99.1 2 ex991-earningsreleasejune2.htm EX-99.1 Document Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: pbarrett@oceanfirst.com FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, July 30, 2026 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst Bank N.A. (the “Bank”),…
Read attachment ↗ex991-loansalecompletedxpr.htm · 8-K · 2026-06-30
EX-99.1 2 ex991-loansalecompletedxpr.htm EX-99.1 Document Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: pbarrett@oceanfirst.com FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. COMPLETES PREVIOUSLY ANNOUNCED SALE OF $1.3 BILLION OF NEW YORK CITY MULTIFAMILY LOANS RED BANK, N.J. June 29, 2026. OceanFirst Financial Corp. (NASDAQ: “OCFC”) (“OceanFirst”), the holding company for Ocea…
Read attachment ↗ex991-loansalepressrelease.htm · 8-K · 2026-06-08
EX-99.1 2 ex991-loansalepressrelease.htm EX-99.1 Document Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: pbarrett@oceanfirst.com FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. AGREES TO SELL $1.4 BILLION OF MULTIFAMILY LOANS IN BALANCE SHEET REPOSITIONING RED BANK, N.J. June 8, 2026. OceanFirst Financial Corp. (NASDAQ: “OCFC”) (“OceanFirst”), the holding company for OceanFirst B…
Read attachment ↗d145829dex41.htm · 8-K · 2026-06-01
EX-4.1 3 d145829dex41.htm EX-4.1 EX-4.1 Exhibit 4.1 THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR QUALIFIED UNDER ANY STATE SECURITIES LAWS AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF UNLESS (I) A REGISTRATION STATEMENT RELATING THERETO IS EFFECTIVE UNDER THE ACT AND IS QUALIFIED UNDER APPLICABLE STATE SECURITIES LAWS OR (II) THE TRANSACTION IS EXEMPT FROM REGISTRATION UNDER THE ACT AND THE …
Read attachment ↗d145829dex42.htm · 8-K · 2026-06-01
EX-4.2 4 d145829dex42.htm EX-4.2 EX-4.2 Exhibit 4.2 THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR QUALIFIED UNDER ANY STATE SECURITIES LAWS AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF UNLESS (I) A REGISTRATION STATEMENT RELATING THERETO IS EFFECTIVE UNDER THE ACT AND IS QUALIFIED UNDER APPLICABLE STATE SECURITIES LAWS OR (II) THE TRANSACTION IS EXEMPT FROM REGISTRATION UNDER THE ACT AND THE …
Read attachment ↗ex991-investorpresentati.htm · 8-K · 2026-05-01
EX-99.1 2 ex991-investorpresentati.htm EX-99.1 ex991-investorpresentati ... 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Investor Presentation(1) May 2026 (1) The Q1 2026 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on April 23, 2026. OCEANFIRST BANK | M a y 1, 2026 Exhibit 99.1 ... 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 …
Read attachment ↗