OCFCNasdaqNational Commercial BanksFiscal year ends December 31
OCEANFIRST FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$15.62−0.21 (-1.33%)
Close on Oct 19, 2026
- Market cap
- $1.10B
- P/E (TTM)
- 18.4
- Dividend yield
- 5.12%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
17.5%+1.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +5.4% | -2.5% | +0.9% | +15.8% | |
| Net income | -29.1% | -21.5% | +2.3% | +13.3% | |
| EPS, diluted | -29.1% | -21.5% | +2.8% | -0.3% | |
| Free cash flow | -6.1% | -30.3% | -7.6% | +12.5% | |
| Dividend per share | 0.0% | +2.6% | +3.3% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 5.7% | 4.8% | 4.2% | |
| Return on assets | 0.6% | 0.6% | 0.5% | |
| Capex to revenue | 4.7% | 3.8% | 1.9% | |
| Diluted shares | 24M | 60M | 57M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Oceanfirst Financial generated $714.14M from operations and spent $413.38M on capital expenditure, dividends and share buybacks. 20% of that went back into the business.
Generated
$714.14M
Used
$413.38M
Capital expenditure$81.12M20%Dividends$242.42M59%Share buybacks$89.84M22%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin17.5%
×Asset turnover0.03×
×Equity multiplier8.32×
=Return on equity, FY20254.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 17.5% | 0.03× | 8.32× | 4.2% |
| FY2024 | 26.0% | 0.03× | 8.02× | 6.0% |
| FY2023 | 25.8% | 0.03× | 8.21× | 6.4% |
| FY2022 | 33.6% | 0.04× | 8.01× | 9.5% |
| FY2021 | 30.8% | 0.03× | 7.73× | 7.3% |
| FY2020 | 16.4% | 0.04× | 7.47× | 4.8% |
| FY2019 | 29.7% | 0.04× | 7.19× | 8.1% |
| FY2018 | 26.1% | 0.04× | 7.88× | 8.8% |
| FY2017 | 21.6% | 0.04× | 9.02× | 7.2% |
| FY2016 | 16.4% | 0.04× | 9.58× | 5.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$70.98M
- Cash generatingOperating cash flow above zero$87.21M
- Return on assets improvedROA up on the prior year0.7% → 0.5%
- Earnings backed by cashOperating cash flow above net income$87.21M vs $70.98M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise58M → 57M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03