OCEANFIRST FINANCIAL CORPOCFCEarnings & Financial Report
OceanFirst Bank N.A. is an American regional bank subsidiary of the U.S. financial services holding company OceanFirst Financial Corp. founded and headquartered in Ocean County, New Jersey, with operations throughout New Jersey, and in the major metropolitan markets of Philadelphia, New York City, Baltimore, Boston, Washington D.C.
OCFC Q4 FY2025 Key Financial Metrics
Revenue
$104.7M
Gross Profit
N/A
Operating Profit
$16.8M
Net Profit
$13.1M
Gross Margin
N/A
Operating Margin
16.1%
Net Margin
12.5%
YoY Growth
9.6%
EPS
$0.24
OCEANFIRST FINANCIAL CORP Q4 FY2025 Financial Summary
OCEANFIRST FINANCIAL CORP reported revenue of $104.7M (up 9.6% YoY) for Q4 FY2025, with a net profit of $13.1M (down 40.2% YoY) (12.5% margin).
Key Financial Metrics
| Total Revenue | $104.7M |
|---|---|
| Net Profit | $13.1M |
| Gross Margin | N/A |
| Operating Margin | 16.1% |
| Report Period | Q4 FY2025 |
OCEANFIRST FINANCIAL CORP Annual Revenue by Year
OCEANFIRST FINANCIAL CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $404.9M).
OCEANFIRST FINANCIAL CORP Quarterly Revenue & Net Profit History
OCEANFIRST FINANCIAL CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $104.7M | +9.6% | $13.1M | 12.5% |
| Q3 FY2025 | $103.0M | +6.3% | $17.3M | 16.8% |
| Q2 FY2025 | $99.4M | +6.6% | $19.0M | 19.2% |
| Q1 FY2025 | $97.9M | -0.6% | $21.5M | 22.0% |
| Q4 FY2024 | $95.6M | -4.1% | $21.9M | 22.9% |
| Q3 FY2024 | $96.9M | -4.8% | $25.1M | 25.9% |
| Q2 FY2024 | $93.2M | -7.7% | $24.4M | 26.1% |
| Q1 FY2024 | $98.5M | -2.3% | $28.7M | 29.1% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $98.5M | $93.2M | $96.9M | $95.6M | $97.9M | $99.4M | $103.0M | $104.7M |
| YoY Growth | -2.3% | -7.7% | -4.8% | -4.1% | -0.6% | 6.6% | 6.3% | 9.6% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $13.42B | $13.32B | $13.49B | $13.42B | $13.31B | $13.33B | $14.32B | $14.56B |
| Liabilities | $11.75B | $11.65B | $11.79B | $11.72B | $11.60B | $11.68B | $12.67B | $12.90B |
| Equity | $1.67B | $1.68B | $1.69B | $1.70B | $1.71B | $1.64B | $1.65B | $1.66B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $46.1M | $23.7M | $-22.4M | $92.2M | $-1.8M | $28.6M | $24.4M | $87.2M |