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OCEANFIRST FINANCIAL CORP

OCFC

$19.42 ▼ -0.12 (-0.61%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

OCEANFIRST FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.1B

Dividend Yield 4.12%

Revenue Growth 5.4% ↗

Op. Margin 22.8% ↘

ROIC None

FCF / Share None

Trailing P/E 16.6x

Price / Book 0.7x

FCF Yield —

Debt / Equity 0.15

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$404.92M

↑ +5.4% —

Net Income Profit after all expenses

$70.98M

↓ -29.1% —

Operating Margin Operating profit as % of sales

22.8%

↓ -32.8% 79th

Long-Term Debt Long-term obligations

$255.23M

↑ +29.2% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Dividend History

Dividend / share · sourced from SEC filings

$0.80 Latest / share

+0.0% YoY

+2.7% 7-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

$0.68

FY 2019

$0.68

FY 2020

$0.68

FY 2021

$0.74

FY 2022

$0.80

FY 2023

$0.80

FY 2024

$0.80

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	5.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-10%)	-4.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-179%)	-7.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-227%)	22.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+270%)	-7.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-228%)	29.8% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+396%)	8.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+38%)	40.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+571%)	39.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+559%)	50.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+747%)	2.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	3.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-35%)	-4.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-176%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-116%)	0.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	14.0% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+134%)	—	—
EPS Growth YoY (%)	-29.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-30.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	35.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	75.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-42.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	32.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	24.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-15.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.8% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-29.1% Weak ↓ Weak Declining Year-over-year change in net income	-3.8% Weak ↓ Weak Declining Year-over-year change in net income	-29.0% Weak ↓ Weak Declining Year-over-year change in net income	33.2% Excellent ↑ Excellent Improving Year-over-year change in net income	73.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.5% Weak ↓ Weak Declining Year-over-year change in net income	23.1% Good ↓ Good Declining Year-over-year change in net income	69.4% Excellent ↑ Excellent Improving Year-over-year change in net income	84.3% Excellent ↑ Excellent Improving Year-over-year change in net income	13.4% Fair ↑ Fair Improving Year-over-year change in net income	2.0% Caution ↑ Caution Improving Year-over-year change in net income	22.0% Good ↑ Good Improving Year-over-year change in net income	-18.4% Weak ↓ Weak Declining Year-over-year change in net income	-3.5% Weak ↓ Weak Declining Year-over-year change in net income	1.8% Caution Caution Year-over-year change in net income	30.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	13.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	25.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	28.4% Excellent → Excellent Stable Compound annual revenue growth over 3 years	43.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	29.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.8% Weak Weak Compound annual revenue growth over 3 years	4.2% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	17.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	32.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	26.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	25.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	0.2% Weak Weak Compound annual revenue growth over 5 years	2.3% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-21.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	18.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-8.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	21.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	3.5% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	1.4% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	2.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	1.4% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-5.0% Weak Weak Compound annual EPS growth over 3 years	4.9% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	22.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	34.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	33.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	44.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	39.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	20.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	36.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	31.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	33.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	25.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	33.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	33.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.0% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	17.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	26.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	25.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	33.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	30.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	16.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	29.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	26.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	21.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	21.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	21.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	—	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	5.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	7.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	7.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	4.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	9.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	9.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	8.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.15x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	—	—	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$7.05	$6.59	$6.84	$7.43	$6.01	$6.46	$5.94	$5.89	$6.11	$6.09	$5.62	$5.45	$5.13	$5.17	$5.09	$5.09	$6.36	—
Basic EPS, GAAP (USD)	$1.17	$1.65	$1.70	$2.43	$1.79	$1.02	$1.77	$1.54	$1.32	$1.00	$1.22	$1.19	$0.96	$1.13	$1.14	$1.12	$0.98	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.80	$0.80	$0.80	$0.74	$0.68	$0.68	$0.68	—	—	—	—	—	—	—	$0.48	$0.48	$0.80	—
Book Value per Share (USD)	$28.97	$29.06	$27.94	$26.79	$25.63	$24.57	$22.88	$21.68	$18.47	$17.80	$13.79	$13.08	$12.33	$12.28	$11.61	$10.69	$14.41	—
Tangible Book Value per Share (USD)	$19.79	$19.91	$19.27	$18.01	$16.87	$15.90	$15.13	$14.26	$13.58	$12.94	$13.67	$13.08	$12.33	$12.28	$11.61	$10.69	$14.41	—
Basic Weighted Avg Shares (shares)	57.42M	58.30M	58.95M	58.73M	59.41M	59.92M	50.17M	46.77M	32.11M	23.09M	16.60M	16.69M	17.07M	17.73M	18.19M	18.14M	12.74M	—
Dividend Payout Ratio (%)	68.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	48.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	47.1% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	30.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	66.7% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	38.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	42.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.9% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	81.6% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$255.23M	$197.55M	$196.46M	—	—	$235.47M	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$1.66B	$1.70B	$1.66B	$1.58B	$1.52B	$1.48B	$1.15B	$1.04B	$601.94M	$571.90M	$238.45M	$218.26M	$214.35M	$219.79M	$216.85M	$201.25M	$183.54M	$119.78M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$404.92M	$384.22M	$403.36M	$436.57M	$357.27M	$386.88M	$298.14M	$275.33M	$196.29M	$140.67M	$93.25M	$90.92M	$87.53M	$91.74M	$92.63M	$92.43M	$81.05M	—
Depreciation Expense (USD)	$10.30M	$10.90M	$12.33M	$11.68M	$9.36M	$8.45M	$8.36M	$8.70M	$6.30M	$4.80M	$3.30M	$2.90M	—	—	—	—	—	—
Net Income, GAAP (USD)	$70.98M	$100.06M	$104.03M	$146.60M	$110.08M	$63.31M	$88.57M	$71.93M	$42.47M	$23.05M	$20.32M	$19.92M	$16.33M	$20.02M	$20.74M	$20.38M	$15.65M	—
Operating Cash Flow (USD)	$87.21M	$92.24M	$124.26M	$250.45M	$159.97M	$132.66M	$100.25M	$92.55M	$80.13M	$33.42M	$28.13M	$27.58M	$35.46M	$30.89M	$17.55M	$39.94M	$16.83M	—

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.5%	2.7%	2.9%	2.6%	2.7%	3.1%	3.2%	3.1%	2.3%	3.0%	—	3.1%	3.2%	3.4%	3.4%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

OCEANFIRST FINANCIAL CORP

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