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OceanFirst Financial (OCFC) Financials

OceanFirst Financial logo
$16.62 -0.17 (-1.01%)
Closing price 05/23/2025 04:00 PM Eastern
Extended Trading
$16.62 0.00 (0.00%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for OceanFirst Financial

Annual Income Statements for OceanFirst Financial

This table shows OceanFirst Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 96 100 143 106 61 89 72 42 23 20 20
Consolidated Net Income / (Loss)		 100 104 147 110 63 89 72 42 23 20 20
Net Income / (Loss) Continuing Operations		 100 104 147 110 63 89 72 42 23 20 20
Total Pre-Tax Income 		131 137 194 142 81 107 86 65 35 31 31
Total Revenue		 384 403 437 357 387 298 275 196 141 93 91
Net Interest Income / (Expense)		 334 370 377 305 313 256 241 169 120 77 72
Total Interest Income		 642 608 431 342 380 309 277 189 133 86 80
Loans and Leases Interest Income		 545 522 390 315 349 280 250 171 123 78 71
Investment Securities Interest Income		 97 86 41 27 30 29 27 18 10 8.17 9.29
Total Interest Expense		 308 238 54 37 67 53 36 20 13 9.03 7.51
Deposits Interest Expense		 242 172 31 25 48 38 23 12 7.52 4.30 4.10
Long-Term Debt Interest Expense		 66 66 23 12 18 14 14 7.28 5.65 4.73 3.40
Total Non-Interest Income		 50 34 59 52 74 42 35 27 20 16 19
Other Service Charges		 35 31 35 31 30 32 32 25 18 13 13
Net Realized & Unrealized Capital Gains on Investments		 7.44 -2.56 17 14 38 5.24 -2.67 -0.77 0.13 -0.15 1.82
Other Non-Interest Income		 7.91 5.28 6.58 6.83 6.42 5.42 5.11 3.30 2.23 1.50 1.48
Provision for Credit Losses		 7.69 18 7.77 -12 59 1.64 3.49 4.45 2.62 1.28 2.63
Total Non-Interest Expense		 246 249 235 227 246 189 186 127 103 61 58
Salaries and Employee Benefits		 138 136 132 120 114 90 83 60 47 32 31
Net Occupancy & Equipment Expense		 49 51 49 47 46 40 40 26 21 14 13
Marketing Expense		 5.17 4.24 2.95 2.17 3.12 3.47 3.42 2.68 1.88 1.52 1.80
Property & Liability Insurance Claims		 11 11 7.36 6.16 4.87 2.23 3.71 2.56 2.83 2.07 2.13
Other Operating Expenses		 37 43 36 44 56 39 26 25 13 9.16 9.39
Amortization Expense		 3.33 3.98 4.72 5.45 6.19 4.03 3.81 2.04 0.62 0.02 -
Restructuring Charge		 1.78 0.02 2.74 1.50 16 11 27 8.29 17 1.88 -
Income Tax Expense		 30 33 47 32 18 19 14 23 12 11 11
Preferred Stock Dividends Declared		 4.02 4.02 4.02 4.02 2.10 0.00 0.00 - - - -
Basic Earnings per Share		 $1.65 $1.70 $2.43 $1.79 $1.02 $1.77 $1.54 $1.32 $1.00 $1.22 $1.19
Weighted Average Basic Shares Outstanding		 58.30M 58.95M 58.73M 59.41M 59.92M 50.17M 46.77M 32.11M 23.09M 16.60M 16.69M
Diluted Earnings per Share		 $1.65 $1.70 $2.42 $1.78 $1.02 $1.75 $1.51 $1.28 $0.98 $1.21 $1.19
Weighted Average Diluted Shares Outstanding		 58.30M 58.96M 58.88M 59.65M 60.07M 50.75M 47.66M 33.13M 23.53M 16.81M 16.80M
Weighted Average Basic & Diluted Shares Outstanding		 58.56M 58.95M 59.20M 59.24M 59.92M 60.30M 46.70M 32.20M 23M 16.70M 16.70M
Cash Dividends to Common per Share		 $0.80 $0.80 $0.74 $0.68 $0.68 $0.68 $0.62 - - - -

Quarterly Income Statements for OceanFirst Financial

This table shows OceanFirst Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 21 21 24 23 28 27 20 27 27 52 38
Consolidated Net Income / (Loss)		 22 22 25 24 29 28 21 28 28 53 39
Net Income / (Loss) Continuing Operations		 21 22 25 24 29 28 21 28 28 53 39
Total Pre-Tax Income 		28 27 33 32 39 36 27 37 37 71 51
Total Revenue		 98 96 97 93 99 100 102 101 101 134 111
Net Interest Income / (Expense)		 87 83 82 82 86 88 91 92 99 106 96
Total Interest Income		 154 160 162 159 162 160 158 150 139 130 110
Loans and Leases Interest Income		 133 135 137 136 137 137 134 129 122 117 100
Investment Securities Interest Income		 21 24 25 23 24 23 24 21 17 13 10
Total Interest Expense		 67 76 79 77 75 73 67 58 40 24 15
Deposits Interest Expense		 51 60 62 60 60 59 53 38 21 13 9.24
Long-Term Debt Interest Expense		 16 16 17 17 16 13 14 20 19 10 5.30
Total Non-Interest Income		 11 12 15 11 12 12 11 8.93 2.07 28 15
Other Service Charges		 7.73 8.56 11 7.71 8.01 7.92 7.84 8.27 6.87 8.14 8.79
Net Realized & Unrealized Capital Gains on Investments		 1.67 1.14 2.34 1.55 2.42 2.51 1.53 -0.53 -6.08 18 5.00
Other Non-Interest Income		 1.85 2.54 1.78 1.73 1.86 1.43 1.39 1.18 1.28 1.70 1.36
Provision for Credit Losses		 5.34 3.47 0.52 3.11 0.59 3.15 10 1.23 3.01 3.65 1.02
Total Non-Interest Expense		 64 65 64 59 59 60 64 63 61 59 59
Salaries and Employee Benefits		 37 37 36 33 33 32 36 34 34 34 34
Net Occupancy & Equipment Expense		 13 13 12 12 12 13 13 13 13 11 13
Marketing Expense		 1.11 1.62 1.39 1.18 0.99 1.11 1.18 0.96 0.98 0.71 0.66
Property & Liability Insurance Claims		 2.98 2.52 2.62 2.69 3.14 4.39 2.56 2.47 1.75 1.92 1.76
Other Operating Expenses		 9.46 10 9.29 8.55 8.66 8.77 11 12 11 11 8.34
Amortization Expense		 0.94 0.88 0.80 0.81 0.84 0.98 0.99 0.99 1.03 1.16 1.17
Income Tax Expense		 6.81 5.08 7.46 7.08 11 8.59 6.46 9.00 8.65 17 12
Preferred Stock Dividends Declared		 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Basic Earnings per Share		 $0.35 $0.36 $0.42 $0.40 $0.47 $0.46 $0.33 $0.45 $0.46 $0.89 $0.64
Weighted Average Basic Shares Outstanding		 58.10M 58.30M 58.07M 58.36M 58.79M 58.95M 59.10M 59.15M 58.77M 58.73M 58.68M
Diluted Earnings per Share		 $0.35 $0.36 $0.42 $0.40 $0.47 $0.46 $0.33 $0.45 $0.46 $0.89 $0.64
Weighted Average Diluted Shares Outstanding		 58.11M 58.30M 58.07M 58.36M 58.79M 58.96M 59.11M 59.15M 58.92M 58.88M 58.80M
Weighted Average Basic & Diluted Shares Outstanding		 58.38M 58.56M 58.46M 58.48M 58.71M 58.95M 59.42M 59.42M 59.49M 59.20M 59.14M
Cash Dividends to Common per Share		 $0.20 - $0.20 $0.20 $0.20 - $0.20 $0.20 $0.20 - $0.20

Annual Cash Flow Statements for OceanFirst Financial

This table details how cash moves in and out of OceanFirst Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 -30 -14 -57 -1,094 1,185 11 13 -192 257 7.83 2.16
Net Cash From Operating Activities		 92 124 250 160 133 100 93 80 33 28 28
Net Cash From Continuing Operating Activities		 92 124 250 160 133 100 93 80 33 28 28
Net Income / (Loss) Continuing Operations		 100 104 147 110 63 89 72 42 23 20 20
Consolidated Net Income / (Loss)		 100 104 147 110 63 89 72 42 23 20 20
Provision For Loan Losses		 7.69 18 7.77 -12 59 1.64 3.49 4.45 2.62 1.28 2.63
Depreciation Expense		 11 12 12 9.36 8.45 8.36 8.71 6.30 4.79 3.34 2.92
Amortization Expense		 2.08 6.71 14 16 15 9.10 8.73 5.92 2.16 2.31 3.90
Non-Cash Adjustments to Reconcile Net Income		 -23 0.81 -16 36 -95 8.89 -18 34 2.62 2.87 -1.93
Changes in Operating Assets and Liabilities, net		 -5.47 -17 86 0.47 82 -16 17 -13 -1.81 -1.79 0.15
Net Cash From Investing Activities		 106 -488 -1,321 -1,478 -22 -172 49 -455 272 -95 -111
Net Cash From Continuing Investing Activities		 106 -488 -1,321 -1,478 -22 -172 49 -455 272 -95 -111
Purchase of Property, Leasehold Improvements and Equipment		 -7.57 -7.71 -21 -42 -15 -5.08 -11 -49 -6.67 -3.89 -3.97
Purchase of Investment Securities		 -516 -525 -791 -1,358 -458 -282 -370 -557 -137 -244 -274
Sale of Property, Leasehold Improvements and Equipment		 4.26 3.72 8.13 3.54 1.17 2.35 10 0.00 0.00 - -
Divestitures		 0.00 0.00 39 0.00 23 - 0.00 - 49 3.70 -
Sale and/or Maturity of Investments		 427 285 571 475 854 328 316 150 366 149 167
Other Investing Activities, net		 199 -244 -1,127 -556 -428 -216 104 - - - -
Net Cash From Financing Activities		 -229 349 1,014 224 1,075 83 -128 183 -48 75 86
Net Cash From Continuing Financing Activities		 -229 349 1,014 224 1,075 83 -128 183 -48 75 86
Net Change in Deposits		 -367 760 -57 408 1,508 66 -143 156 131 73 -27
Issuance of Debt		 224 -363 1,211 0.00 701 186 126 50 89 55 240
Repayment of Debt		 -13 3.95 -85 -17 -1,128 -107 -68 -1.92 -259 -40 -110
Repurchase of Common Equity		 -21 0.00 -7.40 -36 -15 -26 -11 0.00 -1.88 -6.46 -9.18
Payment of Dividends		 -51 -51 -48 -45 -43 -34 -30 -19 -13 -8.69 -8.24
Other Financing Activities, Net		 -1.20 -0.70 -0.76 -86 -3.65 -1.71 -3.46 -1.04 5.72 1.03 0.25
Cash Interest Paid		 320 225 50 37 66 52 36 20 13 8.93 7.24
Cash Income Taxes Paid		 34 29 25 51 5.74 20 2.32 6.01 11 11 12

Quarterly Cash Flow Statements for OceanFirst Financial

This table details how cash moves in and out of OceanFirst Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 40 -91 33 51 -23 -255 -49 -38 328 -2.72 -18
Net Cash From Operating Activities		 -1.79 45 -22 24 46 -27 55 72 24 40 84
Net Cash From Continuing Operating Activities		 -1.79 45 -22 24 46 -27 55 72 24 40 84
Net Income / (Loss) Continuing Operations		 21 22 25 24 29 28 21 28 28 53 39
Consolidated Net Income / (Loss)		 21 22 25 24 29 28 21 28 28 53 39
Provision For Loan Losses		 5.34 3.47 0.52 3.11 0.59 3.15 10 1.23 3.01 3.65 1.02
Depreciation Expense		 2.54 2.63 2.58 2.83 2.87 3.16 3.08 2.99 3.09 3.16 2.90
Amortization Expense		 -1.26 -0.09 0.84 0.89 0.44 0.33 2.85 1.39 2.14 3.71 3.12
Non-Cash Adjustments to Reconcile Net Income		 11 0.63 -23 -0.51 -0.56 -5.55 1.57 -1.69 6.48 -14 -8.69
Changes in Operating Assets and Liabilities, net		 -41 16 -29 -7.04 14 -56 17 40 -18 -9.21 47
Net Cash From Investing Activities		 124 -8.60 -154 148 121 -342 8.73 -7.97 -147 -412 -235
Net Cash From Continuing Investing Activities		 124 -8.60 -154 148 121 -342 8.73 -7.97 -147 -412 -235
Purchase of Property, Leasehold Improvements and Equipment		 -1.86 -1.62 -1.09 -4.18 -0.68 -1.65 -1.35 -2.56 -2.15 -1.75 -7.40
Purchase of Investment Securities		 -86 -185 -256 -53 -23 -347 -2.41 -46 -131 -342 -62
Sale and/or Maturity of Investments		 209 152 104 96 74 36 59 83 107 120 125
Other Investing Activities, net		 2.56 26 -1.51 105 70 -33 -47 -43 -121 -188 -292
Net Cash From Financing Activities		 -82 -127 209 -121 -190 114 -112 -102 451 369 133
Net Cash From Continuing Financing Activities		 -82 -127 209 -121 -190 114 -112 -102 451 369 133
Net Change in Deposits		 111 -48 122 -243 -198 -99 376 165 318 -284 128
Issuance of Debt		 0.00 -6.64 -3.69 196 39 -376 8.50 -130 135 697 25
Repayment of Debt		 -177 -56 103 -53 -6.37 609 -486 -121 1.81 -27 -9.23
Repurchase of Common Equity		 -6.90 0.01 -1.40 -4.96 -15 - - - 0.00 - -
Payment of Dividends		 -13 -13 -13 -13 -13 -13 -13 -13 -13 -13 -13
Other Financing Activities, Net		 4.23 -3.77 2.02 -3.03 3.59 -7.18 1.85 -3.47 8.09 -4.20 1.74
Cash Interest Paid		 67 101 74 83 63 76 63 52 34 22 13
Cash Income Taxes Paid		 1.57 6.90 7.19 18 1.90 1.18 8.08 19 1.27 13 9.00

Annual Balance Sheets for OceanFirst Financial

This table presents OceanFirst Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 13,421 13,538 13,104 11,740 11,448 8,246 7,516 5,416 5,167 2,593 2,357
Cash and Due from Banks		 124 154 168 205 1,272 121 121 110 301 44 36
Trading Account Securities		 1,873 1,914 1,679 1,707 1,121 920 948 846 611 425 489
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 10,077 10,142 9,869 8,583 7,750 0.00 5,579 3,966 3,805 1,973 1,693
Premises and Equipment, Net		 115 121 127 126 107 103 111 102 71 28 25
Goodwill		 523 506 506 500 500 375 338 151 145 1.82 -
Intangible Assets		 13 9.51 13 18 24 16 17 8.89 11 0.26 -
Other Assets		 696 692 741 600 674 6,713 402 234 222 121 114
Total Liabilities & Shareholders' Equity		 13,421 13,538 13,104 11,740 11,448 8,246 7,516 5,416 5,167 2,593 2,357
Total Liabilities		 11,718 11,876 11,518 10,223 9,964 7,093 6,477 4,814 4,595 2,355 2,138
Non-Interest Bearing Deposits		 10,066 10,435 9,675 9,733 9,428 6,329 5,815 4,343 4,188 1,917 1,720
Interest Bearing Deposits		 23 22 21 20 17 14 14 11 14 7.12 6.32
Short-Term Debt		 61 73 69 119 128 72 161 136 126 98 68
Long-Term Debt		 1,270 1,045 1,407 229 235 616 449 289 250 324 333
Other Long-Term Liabilities		 298 301 346 122 155 63 37 35 16 8.07 11
Total Equity & Noncontrolling Interests		 1,703 1,662 1,585 1,517 1,484 1,153 1,039 602 572 238 218
Total Preferred & Common Equity		 1,702 1,661 1,585 1,517 1,484 1,153 1,039 602 572 238 218
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,702 1,661 1,585 1,517 1,484 1,153 1,039 602 572 238 218
Common Stock		 1,166 1,159 1,149 1,139 1,131 833 749 352 362 267 262
Retained Earnings		 642 593 541 442 378 359 305 271 238 229 218
Treasury Stock		 -91 -69 -69 -62 -26 -37 -11 -16 -23 -252 -255
Accumulated Other Comprehensive Income / (Loss)		 -16 -21 -36 -2.82 0.62 -1.21 -3.45 -5.35 -5.75 -6.24 -7.11
Noncontrolling Interest		 1.11 0.78 0.80 0.00 - - - - - - -

Quarterly Balance Sheets for OceanFirst Financial

This table presents OceanFirst Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 13,309 13,488 13,322 13,419 13,498 13,539 13,555 12,683
Cash and Due from Banks		 164 214 181 130 409 458 496 171
Trading Account Securities		 1,752 1,987 1,827 1,874 1,643 1,675 1,698 1,498
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 10,068 9,987 9,963 10,073 10,068 10,034 9,989 9,676
Premises and Equipment, Net		 115 116 117 119 123 124 126 128
Goodwill		 523 506 506 506 506 506 506 506
Intangible Assets		 12 7.06 7.86 8.67 10 11 12 15
Other Assets		 677 672 719 708 739 731 728 690
Total Liabilities & Shareholders' Equity		 13,309 13,488 13,322 13,419 13,498 13,539 13,555 12,683
Total Liabilities		 11,600 11,794 11,645 11,753 11,861 11,913 11,945 11,143
Non-Interest Bearing Deposits		 10,177 10,116 9,994 10,237 10,534 10,158 9,993 9,959
Interest Bearing Deposits		 29 27 25 28 30 28 31 25
Short-Term Debt		 65 81 504 67 83 74 71 291
Long-Term Debt		 1,089 1,312 789 1,084 802 1,288 1,542 514
Other Long-Term Liabilities		 240 258 332 337 412 364 307 353
Total Equity & Noncontrolling Interests		 1,709 1,695 1,677 1,666 1,638 1,626 1,610 1,540
Total Preferred & Common Equity		 1,708 1,694 1,676 1,665 1,637 1,625 1,610 1,539
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,708 1,694 1,676 1,665 1,637 1,625 1,610 1,539
Common Stock		 1,169 1,164 1,162 1,160 1,157 1,155 1,153 1,147
Retained Earnings		 651 632 620 608 578 570 555 500
Treasury Stock		 -98 -91 -89 -84 -69 -69 -69 -69
Accumulated Other Comprehensive Income / (Loss)		 -13 -12 -17 -19 -29 -30 -29 -38
Noncontrolling Interest		 0.80 0.85 0.78 0.73 0.71 0.85 0.82 0.96

Annual Metrics And Ratios for OceanFirst Financial

This table displays calculated financial ratios and metrics derived from OceanFirst Financial's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -4.74% -7.61% 22.20% -7.65% 29.77% 8.28% 40.27% 39.54% 50.85% 2.56% 4.53%
EBITDA Growth		 -7.81% -28.94% 30.77% 60.90% -16.52% 21.26% 32.74% 84.00% 14.37% -1.31% 13.75%
EBIT Growth		 -4.47% -29.47% 36.33% 75.52% -24.51% 25.56% 30.89% 85.59% 12.80% 2.21% 22.40%
NOPAT Growth		 -3.53% -29.38% 33.87% 73.87% -28.52% 23.14% 69.37% 84.28% 13.40% 2.02% 21.98%
Net Income Growth		 -3.81% -29.04% 33.18% 73.87% -28.52% 23.14% 69.37% 84.28% 13.40% 2.02% 21.98%
EPS Growth		 -2.94% -29.75% 35.96% 74.51% -41.71% 15.89% 17.97% 30.61% -19.01% 1.68% 25.26%
Operating Cash Flow Growth		 -25.77% -50.38% 56.56% 20.59% 32.33% 8.32% 15.50% 139.74% 17.98% 2.72% -22.22%
Free Cash Flow Firm Growth		 -139.71% 136.69% -1,220.24% 66.75% 154.90% 81.44% -1,454.92% 86.60% -1,099.01% 80.59% -276.99%
Invested Capital Growth		 9.11% -9.18% 64.18% 0.89% 0.39% 11.57% 60.69% 8.21% 43.51% 6.85% 27.55%
Revenue Q/Q Growth		 -1.06% -7.85% 11.22% -6.52% 11.63% 1.36% 8.40% 3.83% 13.94% 2.37% 0.44%
EBITDA Q/Q Growth		 -6.54% -19.63% 24.44% -11.12% -19.18% -3.30% 12.70% 19.66% 3.92% 0.80% 13.69%
EBIT Q/Q Growth		 -6.51% -20.22% 29.59% -12.61% -26.26% -3.91% 14.55% 20.48% 3.01% 1.91% 18.19%
NOPAT Q/Q Growth		 -5.27% -19.72% 26.27% -8.64% 17.90% -3.57% 30.42% 10.12% 3.70% 1.49% 17.67%
Net Income Q/Q Growth		 -5.45% -19.42% 25.83% -8.64% 17.90% -3.57% 30.42% 10.12% 3.70% 1.49% 17.67%
EPS Q/Q Growth		 -5.71% -20.19% 27.37% -8.72% 7.37% -5.41% 21.77% 6.67% -7.55% 0.00% 19.00%
Operating Cash Flow Q/Q Growth		 347.41% -35.12% -0.19% 28.83% -9.02% -10.73% 16.17% 59.63% -36.63% -17.01% 16.68%
Free Cash Flow Firm Q/Q Growth		 66.66% 909.17% -205.49% -78.22% 117.40% -28.88% 8.85% 77.10% -33.35% 45.31% -2,717.61%
Invested Capital Q/Q Growth		 -1.75% 10.20% 30.50% -1.11% -15.80% 1.24% 0.17% 4.01% 19.53% 15.36% 20.67%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.38% 38.63% 50.22% 46.93% 26.93% 41.87% 37.39% 39.51% 29.96% 39.52% 41.07%
EBIT Margin		 34.01% 33.91% 44.42% 39.81% 20.95% 36.01% 31.05% 33.28% 25.02% 33.46% 33.58%
Profit (Net Income) Margin		 26.04% 25.79% 33.58% 30.81% 16.36% 29.71% 26.13% 21.64% 16.38% 21.79% 21.91%
Tax Burden Percent		 76.59% 76.06% 75.60% 77.39% 78.12% 82.50% 84.13% 65.01% 65.47% 65.12% 65.25%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.16% 23.91% 24.01% 22.61% 21.88% 17.50% 15.87% 34.99% 34.53% 34.88% 34.75%
Return on Invested Capital (ROIC)		 3.45% 3.56% 5.98% 5.93% 3.43% 5.07% 5.37% 4.30% 2.86% 3.18% 3.61%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.43% 3.56% 5.90% 5.93% 3.43% 5.07% 5.37% 4.30% 2.86% 3.18% 3.61%
Return on Net Nonoperating Assets (RNNOA)		 2.49% 2.84% 3.47% 1.41% 1.37% 3.01% 3.39% 2.94% 2.83% 5.72% 5.60%
Return on Equity (ROE)		 5.95% 6.41% 9.45% 7.34% 4.80% 8.08% 8.77% 7.24% 5.69% 8.90% 9.21%
Cash Return on Invested Capital (CROIC)		 -5.26% 13.18% -42.61% 5.05% 3.05% -5.86% -41.19% -3.59% -32.87% -3.45% -20.60%
Operating Return on Assets (OROA)		 0.97% 1.03% 1.56% 1.23% 0.82% 1.36% 1.32% 1.23% 0.91% 1.26% 1.33%
Return on Assets (ROA)		 0.74% 0.78% 1.18% 0.95% 0.64% 1.12% 1.11% 0.80% 0.59% 0.82% 0.86%
Return on Common Equity (ROCE)		 5.94% 6.40% 9.45% 7.34% 4.80% 8.08% 8.77% 7.24% 5.69% 8.90% 9.21%
Return on Equity Simple (ROE_SIMPLE)		 5.88% 6.26% 9.25% 7.26% 4.27% 7.68% 6.92% 7.06% 4.03% 8.52% 9.13%
Net Operating Profit after Tax (NOPAT)		 100 104 147 110 63 89 72 42 23 20 20
NOPAT Margin		 26.13% 25.80% 33.75% 30.81% 16.36% 29.71% 26.13% 21.64% 16.38% 21.79% 21.91%
Net Nonoperating Expense Percent (NNEP)		 0.03% 0.00% 0.08% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.19% 47.28% 42.09% 47.49% 42.21% 44.64% 45.79% 45.37% 49.76% 51.09% 50.87%
Operating Expenses to Revenue		 63.99% 61.71% 53.80% 63.50% 63.70% 63.44% 67.68% 64.46% 73.11% 65.17% 63.53%
Earnings before Interest and Taxes (EBIT)		 131 137 194 142 81 107 86 65 35 31 31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 144 156 219 168 104 125 103 78 42 37 37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.61 0.59 0.71 0.77 0.65 0.92 0.84 1.11 1.04 1.08 0.97
Price to Tangible Book Value (P/TBV)		 0.90 0.85 1.06 1.17 1.00 1.39 1.27 1.51 1.43 1.09 0.97
Price to Revenue (P/Rev)		 2.72 2.41 2.58 3.27 2.49 3.56 3.17 3.41 4.23 2.76 2.32
Price to Earnings (P/E)		 10.89 9.72 7.91 11.02 15.76 11.97 12.11 15.77 25.81 12.68 10.58
Dividend Yield		 4.47% 4.89% 3.88% 3.46% 4.26% 3.23% 3.44% 2.92% 2.35% 3.49% 3.96%
Earnings Yield		 9.18% 10.29% 12.64% 9.07% 6.35% 8.36% 8.25% 6.34% 3.87% 7.89% 9.45%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.70 0.80 0.70 0.03 0.88 0.83 0.96 0.71 0.96 0.93
Enterprise Value to Revenue (EV/Rev)		 5.87 4.80 5.58 3.67 0.15 5.46 4.94 5.02 4.77 6.83 6.33
Enterprise Value to EBITDA (EV/EBITDA)		 15.70 12.43 11.11 7.82 0.54 13.04 13.22 12.70 15.91 17.27 15.40
Enterprise Value to EBIT (EV/EBIT)		 17.26 14.17 12.56 9.22 0.69 15.16 15.92 15.08 19.05 20.40 18.84
Enterprise Value to NOPAT (EV/NOPAT)		 22.46 18.62 16.53 11.92 0.89 18.37 18.92 23.19 29.09 31.32 28.87
Enterprise Value to Operating Cash Flow (EV/OCF)		 24.44 15.59 9.73 8.20 0.42 16.23 14.71 12.29 20.06 22.47 20.85
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 5.03 0.00 14.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.78 0.67 0.93 0.23 0.25 0.60 0.59 0.71 0.66 1.77 1.84
Long-Term Debt to Equity		 0.75 0.63 0.89 0.15 0.16 0.53 0.43 0.48 0.44 1.36 1.52
Financial Leverage		 0.73 0.80 0.59 0.24 0.40 0.59 0.63 0.68 0.99 1.80 1.55
Leverage Ratio		 8.01 8.20 8.01 7.73 7.47 7.19 7.88 9.02 9.58 10.84 10.65
Compound Leverage Factor		 8.01 8.20 8.01 7.73 7.47 7.19 7.88 9.02 9.58 10.84 10.65
Debt to Total Capital		 43.87% 40.22% 48.21% 18.66% 19.69% 37.36% 37.01% 41.38% 39.73% 63.94% 64.73%
Short-Term Debt to Total Capital		 2.00% 2.63% 2.26% 6.37% 6.95% 3.90% 9.78% 13.26% 13.33% 14.88% 10.96%
Long-Term Debt to Total Capital		 41.87% 37.59% 45.95% 12.29% 12.74% 33.46% 27.23% 28.12% 26.40% 49.06% 53.77%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.04% 0.03% 0.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 56.10% 59.75% 51.77% 81.34% 80.31% 62.64% 62.99% 58.62% 60.27% 36.06% 35.27%
Debt to EBITDA		 9.26 7.18 6.73 2.08 3.49 5.51 5.93 5.48 8.94 11.47 10.73
Net Debt to EBITDA		 8.40 6.19 5.96 0.85 -8.72 4.54 4.76 4.07 1.79 10.28 9.76
Long-Term Debt to EBITDA		 8.84 6.71 6.42 1.37 2.26 4.94 4.37 3.72 5.94 8.80 8.91
Debt to NOPAT		 13.26 10.75 10.01 3.16 5.75 7.77 8.49 10.00 16.36 20.80 20.11
Net Debt to NOPAT		 12.02 9.27 8.87 1.30 -14.35 6.40 6.81 7.42 3.28 18.64 18.29
Long-Term Debt to NOPAT		 12.65 10.04 9.55 2.08 3.72 6.96 6.25 6.80 10.87 15.96 16.70
Noncontrolling Interest Sharing Ratio		 0.06% 0.05% 0.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -153 385 -1,049 94 56 -102 -551 -35 -265 -22 -114
Operating Cash Flow to CapEx		 2,791.86% 3,115.09% 1,961.85% 415.57% 978.36% 3,682.84% 6,440.57% 164.55% 501.11% 728.12% 694.74%
Free Cash Flow to Firm to Interest Expense		 -0.50 1.62 -19.54 2.55 0.84 -1.94 -15.25 -1.81 -20.11 -2.44 -15.15
Operating Cash Flow to Interest Expense		 0.30 0.52 4.66 4.35 1.99 1.90 2.56 4.09 2.54 3.14 3.68
Operating Cash Flow Less CapEx to Interest Expense		 0.29 0.50 4.43 3.31 1.79 1.85 2.52 1.60 2.03 2.71 3.15
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.25 3.25 3.46 3.07 3.69 2.79 2.59 2.27 2.82 3.51 3.76
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,033 2,780 3,061 1,864 1,848 1,841 1,650 1,027 949 661 619
Invested Capital Turnover		 0.13 0.14 0.18 0.19 0.21 0.17 0.21 0.20 0.17 0.15 0.16
Increase / (Decrease) in Invested Capital		 253 -281 1,197 16 7.14 191 623 78 288 42 134
Enterprise Value (EV)		 2,255 1,937 2,436 1,312 56 1,627 1,361 985 670 636 575
Market Capitalization		 1,046 972 1,128 1,169 964 1,060 871 670 595 258 211
Book Value per Share		 $29.11 $27.95 $26.79 $25.52 $24.58 $22.90 $21.51 $18.47 $22.12 $13.80 $12.83
Tangible Book Value per Share		 $19.94 $19.28 $18.01 $16.80 $15.90 $15.15 $14.16 $13.58 $16.09 $13.68 $12.83
Total Capital		 3,033 2,780 3,061 1,864 1,848 1,841 1,650 1,027 949 661 619
Total Debt		 1,331 1,118 1,476 348 364 688 611 425 377 423 401
Total Long-Term Debt		 1,270 1,045 1,407 229 235 616 449 289 250 324 333
Net Debt		 1,207 965 1,308 143 -908 567 490 315 76 379 364
Capital Expenditures (CapEx)		 3.30 3.99 13 38 14 2.72 1.44 49 6.67 3.89 3.97
Net Nonoperating Expense (NNE)		 0.33 0.04 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,331 1,118 1,476 348 364 688 611 425 377 423 401
Total Depreciation and Amortization (D&A)		 13 19 25 25 23 17 17 12 6.95 5.65 6.81
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.65 $1.70 $2.43 $1.79 $1.02 $1.77 $1.54 $1.32 $1.00 $1.22 $1.19
Adjusted Weighted Average Basic Shares Outstanding		 58.30M 58.95M 58.73M 59.41M 59.92M 50.17M 46.77M 32.11M 23.09M 16.60M 16.69M
Adjusted Diluted Earnings per Share		 $1.65 $1.70 $2.42 $1.78 $1.02 $1.75 $1.51 $1.28 $0.98 $1.21 $1.19
Adjusted Weighted Average Diluted Shares Outstanding		 58.30M 58.96M 58.88M 59.65M 60.07M 50.75M 47.66M 33.13M 23.53M 16.81M 16.80M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $1.77 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 58.56M 58.95M 59.20M 59.24M 59.92M 60.30M 51.40M 47.99M 32.39M 17.29M 16.90M
Normalized Net Operating Profit after Tax (NOPAT)		 102 104 149 111 76 97 95 48 34 22 20
Normalized NOPAT Margin		 26.48% 25.80% 34.23% 31.14% 19.58% 32.62% 34.35% 24.38% 24.08% 23.10% 21.91%
Pre Tax Income Margin		 34.01% 33.91% 44.42% 39.81% 20.95% 36.01% 31.05% 33.28% 25.02% 33.46% 33.58%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.42 0.57 3.61 3.87 1.22 2.03 2.37 3.33 2.67 3.45 4.07
NOPAT to Interest Expense		 0.33 0.44 2.74 2.99 0.95 1.68 1.99 2.17 1.75 2.25 2.65
EBIT Less CapEx to Interest Expense		 0.41 0.56 3.37 2.82 1.01 1.98 2.33 0.85 2.17 3.02 3.54
NOPAT Less CapEx to Interest Expense		 0.32 0.42 2.51 1.95 0.75 1.63 1.95 -0.32 1.24 1.82 2.13
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 50.85% 49.29% 32.41% 40.44% 67.79% 38.66% 41.10% 45.41% 54.74% 42.78% 41.37%
Augmented Payout Ratio		 72.31% 49.29% 37.45% 73.19% 91.19% 68.09% 56.17% 45.41% 62.89% 74.56% 87.44%

Quarterly Metrics And Ratios for OceanFirst Financial

This table displays calculated financial ratios and metrics derived from OceanFirst Financial's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.61% -4.14% -4.77% -7.71% -2.34% -25.63% -8.42% 2.74% 8.38% 48.94% 27.70%
EBITDA Growth		 -30.55% -25.22% 9.55% -14.60% 1.83% -48.85% -42.01% -7.54% 4.56% 123.69% 47.20%
EBIT Growth		 -27.97% -25.03% 20.97% -14.55% 7.37% -48.82% -46.82% -4.02% 8.36% 165.61% 61.02%
NOPAT Growth		 -24.98% -20.14% 22.67% -12.37% 2.55% -47.94% -47.09% -5.43% 8.31% 135.30% 60.57%
Net Income Growth		 -24.97% -20.85% 21.53% -12.32% 2.81% -47.52% -46.47% -5.72% 8.25% 132.82% 59.77%
EPS Growth		 -25.53% -21.74% 27.27% -11.11% 2.17% -48.31% -48.44% -4.26% 9.52% 140.54% 64.10%
Operating Cash Flow Growth		 -103.87% 267.03% -140.84% -67.01% 89.19% -166.31% -34.50% 4.71% -57.72% -1.15% 523.79%
Free Cash Flow Firm Growth		 -105.70% -174.87% -244.31% 106.50% 133.77% 127.00% 62.82% -61.71% -6,546.69% -18,396.62% -226.29%
Invested Capital Growth		 1.64% 9.11% 22.38% -0.60% -12.62% -9.18% 7.55% 29.35% 69.08% 64.18% 24.41%
Revenue Q/Q Growth		 2.45% -1.38% 3.92% -5.34% -1.18% -2.04% 0.71% 0.16% -24.74% 20.63% 12.99%
EBITDA Q/Q Growth		 -0.77% -17.42% 2.39% -17.22% 6.84% 20.97% -20.19% -1.29% -46.34% 37.18% 27.24%
EBIT Q/Q Growth		 3.77% -16.55% 3.60% -19.70% 7.99% 34.65% -26.81% 0.89% -48.52% 39.90% 32.10%
NOPAT Q/Q Growth		 -3.15% -12.01% 3.09% -14.60% 3.09% 35.16% -26.36% -0.06% -47.67% 37.39% 31.61%
Net Income Q/Q Growth		 -1.83% -12.77% 3.05% -14.98% 3.56% 33.94% -25.65% -0.31% -47.14% 36.62% 30.96%
EPS Q/Q Growth		 -2.78% -14.29% 5.00% -14.89% 2.17% 39.39% -26.67% -2.17% -48.31% 39.06% 36.17%
Operating Cash Flow Q/Q Growth		 -103.99% 300.12% -194.40% -48.57% 271.91% -148.93% -23.74% 194.94% -39.75% -51.67% 21.92%
Free Cash Flow Firm Q/Q Growth		 89.26% 57.15% -1,376.44% -90.29% 41.03% 297.03% 75.90% 49.57% -12.75% -171.33% -4.82%
Invested Capital Q/Q Growth		 -5.62% -1.75% 3.94% 5.46% 1.32% 10.20% -15.58% -7.30% 5.31% 30.50% 1.53%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.19% 31.17% 37.22% 37.78% 43.20% 39.96% 32.36% 40.83% 41.43% 58.10% 51.09%
EBIT Margin		 28.88% 28.51% 33.69% 33.80% 39.84% 36.46% 26.52% 36.50% 36.24% 52.98% 45.68%
Profit (Net Income) Margin		 21.97% 22.93% 25.92% 26.14% 29.10% 27.77% 20.31% 27.51% 27.64% 39.35% 34.75%
Tax Burden Percent		 76.08% 80.41% 76.93% 77.34% 73.04% 76.17% 76.57% 75.38% 76.28% 74.65% 75.56%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 99.51% 100.68%
Effective Tax Rate		 24.08% 18.66% 22.86% 22.47% 27.10% 23.64% 23.93% 24.39% 23.68% 24.56% 24.07%
Return on Invested Capital (ROIC)		 2.96% 3.07% 3.60% 3.46% 3.86% 3.84% 3.63% 4.66% 4.79% 7.05% 6.48%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.97% 3.04% 3.59% 3.45% 3.86% 3.84% 3.64% 4.65% 4.79% 6.99% 6.45%
Return on Net Nonoperating Assets (RNNOA)		 2.03% 2.22% 2.46% 2.78% 3.26% 3.07% 1.94% 3.18% 3.06% 4.11% 2.49%
Return on Equity (ROE)		 4.99% 5.28% 6.05% 6.23% 7.11% 6.91% 5.57% 7.83% 7.85% 11.16% 8.97%
Cash Return on Invested Capital (CROIC)		 1.65% -5.26% -16.35% 4.00% 16.94% 13.18% -1.95% -20.01% -45.52% -42.61% -16.24%
Operating Return on Assets (OROA)		 0.83% 0.81% 0.97% 0.99% 1.18% 1.10% 0.89% 1.26% 1.25% 1.86% 1.46%
Return on Assets (ROA)		 0.63% 0.65% 0.75% 0.77% 0.87% 0.84% 0.68% 0.95% 0.96% 1.38% 1.11%
Return on Common Equity (ROCE)		 4.98% 5.28% 6.05% 6.23% 7.11% 6.91% 5.56% 7.83% 7.85% 11.16% 8.96%
Return on Equity Simple (ROE_SIMPLE)		 5.44% 0.00% 6.25% 6.05% 6.29% 0.00% 7.89% 9.05% 9.24% 0.00% 7.57%
Net Operating Profit after Tax (NOPAT)		 21 22 25 24 29 28 21 28 28 53 39
NOPAT Margin		 21.92% 23.19% 25.99% 26.20% 29.04% 27.84% 20.18% 27.60% 27.66% 39.77% 34.92%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.02% 0.01% 0.00% 0.00% 0.01% -0.02% 0.01% 0.00% 0.06% 0.03%
SG&A Expenses to Revenue		 52.00% 53.25% 50.93% 49.94% 46.73% 46.20% 48.59% 47.22% 47.09% 33.90% 43.00%
Operating Expenses to Revenue		 65.67% 67.86% 65.77% 62.86% 59.56% 60.38% 63.37% 62.28% 60.78% 44.30% 53.41%
Earnings before Interest and Taxes (EBIT)		 28 27 33 32 39 36 27 37 37 71 51
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 30 30 36 35 43 40 33 41 42 78 57
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.58 0.61 0.64 0.55 0.57 0.59 0.50 0.54 0.63 0.71 0.65
Price to Tangible Book Value (P/TBV)		 0.85 0.90 0.92 0.79 0.83 0.85 0.73 0.79 0.93 1.06 0.98
Price to Revenue (P/Rev)		 2.60 2.72 2.80 2.34 2.37 2.41 1.86 1.95 2.28 2.58 2.55
Price to Earnings (P/E)		 11.21 10.89 10.68 9.47 9.43 9.72 6.50 6.08 6.99 7.91 11.29
Dividend Yield		 4.70% 4.47% 4.30% 5.10% 5.00% 4.89% 5.82% 5.45% 4.50% 3.88% 4.19%
Earnings Yield		 8.92% 9.18% 9.37% 10.56% 10.60% 10.29% 15.39% 16.45% 14.30% 12.64% 8.86%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.74 0.73 0.69 0.70 0.70 0.51 0.59 0.66 0.80 0.70
Enterprise Value to Revenue (EV/Rev)		 5.18 5.87 5.84 5.18 4.92 4.80 2.95 3.98 4.79 5.58 4.17
Enterprise Value to EBITDA (EV/EBITDA)		 15.21 15.70 14.75 13.52 12.60 12.43 6.67 8.17 9.64 11.11 9.30
Enterprise Value to EBIT (EV/EBIT)		 16.60 17.26 16.22 15.18 14.14 14.17 7.54 9.11 10.83 12.56 10.95
Enterprise Value to NOPAT (EV/NOPAT)		 21.31 22.46 21.39 20.08 18.82 18.62 9.98 12.02 14.25 16.53 14.04
Enterprise Value to Operating Cash Flow (EV/OCF)		 44.81 24.44 109.95 20.80 13.51 15.59 6.75 8.07 9.81 9.73 6.53
Enterprise Value to Free Cash Flow (EV/FCFF)		 42.32 0.00 0.00 17.08 3.86 5.03 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.68 0.78 0.82 0.77 0.69 0.67 0.54 0.84 1.00 0.93 0.52
Long-Term Debt to Equity		 0.64 0.75 0.77 0.47 0.65 0.63 0.49 0.79 0.96 0.89 0.33
Financial Leverage		 0.68 0.73 0.68 0.80 0.84 0.80 0.53 0.68 0.64 0.59 0.39
Leverage Ratio		 7.92 8.01 8.10 8.13 8.23 8.20 8.24 8.25 8.22 8.01 8.03
Compound Leverage Factor		 7.92 8.01 8.10 8.13 8.23 8.20 8.24 8.25 8.22 7.97 8.08
Debt to Total Capital		 40.30% 43.87% 45.12% 43.56% 40.86% 40.22% 35.09% 45.58% 50.04% 48.21% 34.34%
Short-Term Debt to Total Capital		 2.27% 2.00% 2.63% 16.98% 2.37% 2.63% 3.29% 2.49% 2.20% 2.26% 12.41%
Long-Term Debt to Total Capital		 38.03% 41.87% 42.49% 26.57% 38.49% 37.59% 31.80% 43.09% 47.84% 45.95% 21.92%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.03% 0.04% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.03% 0.04%
Common Equity to Total Capital		 59.67% 56.10% 54.86% 56.42% 59.11% 59.75% 64.88% 54.39% 49.93% 51.77% 65.62%
Debt to EBITDA		 8.83 9.26 9.06 8.59 7.35 7.18 4.57 6.26 7.30 6.73 4.57
Net Debt to EBITDA		 7.58 8.40 7.67 7.39 6.52 6.19 2.46 4.15 5.05 5.96 3.60
Long-Term Debt to EBITDA		 8.33 8.84 8.54 5.24 6.92 6.71 4.14 5.91 6.98 6.42 2.92
Debt to NOPAT		 12.38 13.26 13.14 12.77 10.98 10.75 6.83 9.21 10.79 10.01 6.90
Net Debt to NOPAT		 10.62 12.02 11.12 10.98 9.74 9.27 3.67 6.11 7.47 8.87 5.44
Long-Term Debt to NOPAT		 11.68 12.65 12.38 7.79 10.35 10.04 6.19 8.71 10.32 9.55 4.41
Noncontrolling Interest Sharing Ratio		 0.05% 0.06% 0.05% 0.05% 0.05% 0.05% 0.05% 0.06% 0.03% 0.03% 0.03%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -25 -231 -539 42 435 309 -157 -650 -1,289 -1,143 -421
Operating Cash Flow to CapEx		 -96.23% 2,769.04% -11,600.00% 567.10% 6,781.18% 0.00% 7,787.22% 2,803.74% 1,132.09% 3,123.71% 1,436.70%
Free Cash Flow to Firm to Interest Expense		 -0.37 -3.03 -6.80 0.55 5.78 4.25 -2.32 -11.21 -32.04 -48.06 -28.99
Operating Cash Flow to Interest Expense		 -0.03 0.59 -0.28 0.31 0.61 -0.37 0.81 1.24 0.61 1.70 5.76
Operating Cash Flow Less CapEx to Interest Expense		 -0.05 0.57 -0.28 0.25 0.60 -0.35 0.80 1.20 0.55 1.65 5.36
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.03
Fixed Asset Turnover		 3.28 3.25 3.25 3.26 3.27 3.25 3.49 3.54 3.52 3.46 3.12
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,863 3,033 3,087 2,970 2,817 2,780 2,523 2,988 3,224 3,061 2,346
Invested Capital Turnover		 0.14 0.13 0.14 0.13 0.13 0.14 0.18 0.17 0.17 0.18 0.19
Increase / (Decrease) in Invested Capital		 46 253 565 -18 -407 -281 177 678 1,317 1,197 460
Enterprise Value (EV)		 1,987 2,255 2,267 2,035 1,972 1,937 1,293 1,778 2,130 2,436 1,638
Market Capitalization		 996 1,046 1,087 922 951 972 816 873 1,012 1,128 1,002
Book Value per Share		 $29.17 $29.11 $28.96 $28.54 $28.32 $27.95 $27.55 $27.32 $27.19 $26.79 $26.03
Tangible Book Value per Share		 $20.04 $19.94 $20.18 $19.79 $19.57 $19.28 $18.85 $18.62 $18.43 $18.01 $17.22
Total Capital		 2,863 3,033 3,087 2,970 2,817 2,780 2,523 2,988 3,224 3,061 2,346
Total Debt		 1,154 1,331 1,393 1,294 1,151 1,118 885 1,362 1,613 1,476 805
Total Long-Term Debt		 1,089 1,270 1,312 789 1,084 1,045 802 1,288 1,542 1,407 514
Net Debt		 990 1,207 1,179 1,113 1,021 965 476 904 1,117 1,308 635
Capital Expenditures (CapEx)		 1.86 1.62 0.19 4.18 0.68 -1.10 0.70 2.56 2.15 1.30 5.83
Net Nonoperating Expense (NNE)		 -0.05 0.25 0.07 0.06 -0.06 0.07 -0.14 0.09 0.02 0.56 0.19
Net Nonoperating Obligations (NNO)		 1,154 1,331 1,393 1,294 1,151 1,118 885 1,362 1,613 1,476 805
Total Depreciation and Amortization (D&A)		 1.28 2.54 3.42 3.72 3.31 3.49 5.94 4.38 5.24 6.87 6.02
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.35 $0.36 $0.42 $0.40 $0.47 $0.46 $0.33 $0.45 $0.46 $0.89 $0.64
Adjusted Weighted Average Basic Shares Outstanding		 58.10M 58.30M 58.07M 58.36M 58.79M 58.95M 59.10M 59.15M 58.77M 58.73M 58.68M
Adjusted Diluted Earnings per Share		 $0.35 $0.36 $0.42 $0.40 $0.47 $0.46 $0.33 $0.45 $0.46 $0.89 $0.64
Adjusted Weighted Average Diluted Shares Outstanding		 58.11M 58.30M 58.07M 58.36M 58.79M 58.96M 59.11M 59.15M 58.92M 58.88M 58.80M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 58.38M 58.56M 58.46M 58.48M 58.71M 58.95M 59.42M 59.42M 59.49M 59.20M 59.14M
Normalized Net Operating Profit after Tax (NOPAT)		 21 22 26 24 29 28 21 28 28 54 39
Normalized NOPAT Margin		 21.92% 23.29% 27.32% 26.20% 29.04% 27.84% 20.18% 27.60% 27.67% 39.93% 35.13%
Pre Tax Income Margin		 28.88% 28.51% 33.69% 33.80% 39.84% 36.46% 26.52% 36.50% 36.24% 52.72% 45.99%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.42 0.36 0.41 0.41 0.52 0.50 0.40 0.64 0.91 2.99 3.49
NOPAT to Interest Expense		 0.32 0.29 0.32 0.32 0.38 0.38 0.30 0.48 0.69 2.24 2.67
EBIT Less CapEx to Interest Expense		 0.39 0.34 0.41 0.35 0.51 0.52 0.39 0.59 0.86 2.93 3.09
NOPAT Less CapEx to Interest Expense		 0.29 0.27 0.32 0.26 0.37 0.40 0.29 0.44 0.64 2.19 2.27
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 54.59% 50.85% 48.25% 50.53% 49.01% 49.29% 39.63% 34.74% 33.13% 32.41% 39.35%
Augmented Payout Ratio		 68.85% 72.31% 68.55% 70.34% 63.43% 49.29% 39.63% 34.74% 36.66% 37.45% 50.36%

Frequently Asked Questions About OceanFirst Financial's Financials

When does OceanFirst Financial's financial year end?

According to the most recent income statement we have on file, OceanFirst Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has OceanFirst Financial's net income changed over the last 10 years?

OceanFirst Financial's net income appears to be on an upward trend, with a most recent value of $100.07 million in 2024, rising from $19.92 million in 2014. The previous period was $104.03 million in 2023. View OceanFirst Financial's forecast to see where analysts expect OceanFirst Financial to go next.

How has OceanFirst Financial revenue changed over the last 10 years?

Over the last 10 years, OceanFirst Financial's total revenue changed from $90.93 million in 2014 to $384.22 million in 2024, a change of 322.6%.

How much debt does OceanFirst Financial have?

OceanFirst Financial's total liabilities were at $11.72 billion at the end of 2024, a 1.3% decrease from 2023, and a 448.0% increase since 2014.

How much cash does OceanFirst Financial have?

In the past 10 years, OceanFirst Financial's cash and equivalents has ranged from $36.12 million in 2014 to $1.27 billion in 2020, and is currently $123.62 million as of their latest financial filing in 2024.

How has OceanFirst Financial's book value per share changed over the last 10 years?

Over the last 10 years, OceanFirst Financial's book value per share changed from 12.83 in 2014 to 29.11 in 2024, a change of 126.8%.


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This page (NASDAQ:OCFC) was last updated on 5/25/2025 by MarketBeat.com Staff
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