OceanFirst Financial/$OCFC

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About OceanFirst Financial

OceanFirst Financial Corp is engaged in the banking sector of the United States. It conducts the business of attracting retail and business deposits and investing them in loans, consisting of single-family, owner-occupied residential mortgage loans, and commercial real estate loans. The company's sole segment deals with the delivery of loan and deposit products to customers. The bank's revenues are derived principally from interest on its loans, and to a lesser extent, interest on its investment and mortgage-backed securities. The rest of its income is dependent on bank card services and wealth management products and services.

Ticker

$OCFC
Sector
Primary listing

Employees

1,003

OCFC Metrics

BasicAdvanced
$1B
12.67
$1.41
1.02
$0.80
4.48%

What the Analysts think about OCFC

Analyst ratings (Buy, Hold, Sell) for OceanFirst Financial stock.

Bulls say / Bears say

OceanFirst’s Premier Banking initiative onboarded nine new teams in Q2, producing $115 million in new deposits at a weighted average cost of 2.71% and opening 670 new accounts, demonstrating progress in deposit growth. (Investing.com)
Net interest margin grew by 21 basis points to 2.90% in Q1 2025 compared to Q4 2024 and improved further to 2.91% in Q2, highlighting successful deposit repricing and lower funding costs. (GuruFocus News)
Commercial and industrial loans expanded 6.1% quarter-over-quarter in Q1 2025, while the total commercial loan pipeline surged by 90% to $375.6 million, highlighting strong demand for lending. (OceanFirst Financial Corp.)
Net income in Q2 2025 fell to $16.2 million (EPS $0.28), down from $23.4 million (EPS $0.40) in Q2 2024, reflecting a considerable year-over-year decline in earnings. (Nasdaq)
Provision for credit losses surged to $5.3 million in Q1 2025 from $591,000 a year earlier, as heightened macroeconomic uncertainty drove the allowance for loan losses up to 0.78% of total loans. (OceanFirst Financial Corp.)
The efficiency ratio rose to 71.93% in Q2 2025 from 62.86% in the prior year, indicating higher operating costs as a portion of revenue. (OceanFirst Financial Corp.)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.

OCFC Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

OCFC Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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