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OceanFirst Financial (OCFC) investor relations material
OceanFirst Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Q3 2025 GAAP EPS was $0.30 and core EPS $0.36, with net income available to common stockholders at $17.3 million, up sequentially but down year-over-year due to restructuring charges and lower non-interest income.
Net interest income rose for the fourth consecutive quarter to $90.7 million, with a stable net interest margin at 2.91% and total assets reaching $14.32 billion.
Commercial loan originations surged 74% sequentially to $739.2 million, with a robust pipeline of $710.9 million and commercial loans now 68% of the portfolio.
Outsourcing of residential loan originations and title business incurred $4 million in Q3 restructuring charges, with $8 million more expected in Q4 and targeted $14 million in annual expense savings.
Quarterly dividend of $0.20 per share declared, marking 115 consecutive quarters.
Financial highlights
Net interest income for Q3 2025 was $90.7 million, up from $82.2 million year-over-year; net interest margin held steady at 2.91%.
Total loans increased by $439.9 million to $10.56 billion since year-end, with commercial and industrial loans up $219 million in Q3.
Deposits rose to $10.44 billion, up $369.7 million since year-end, with Premier Banking teams contributing significantly.
Non-interest income was $12.3 million, impacted by lower gains on equity investments and trust business sales.
Operating expenses were $76.3 million, including restructuring and higher compensation.
Outlook and guidance
Expect 7%-9% annualized loan and deposit growth in 2026, mainly from commercial and industrial loans, with residential portfolio runoff.
Net interest income anticipated to grow at or above high single-digit rates, with NIM expected to exceed 3% by mid-2026.
Operating expenses for 2026 guided to $275 million-$285 million, reflecting expense discipline and savings from outsourcing.
Annualized ROA targeted at 90+ bps by Q4 2026, reaching 1% in early 2027.
Additional $8 million in restructuring charges expected in Q4 2025.
Residential outsourcing: net annual financial impact?
NPLs increased, but delinquencies decreased. Why?
How will CET1 be managed with continued loan growth?
Total revenue/expense impact from outsourcing?
Premier Bank: What drives deposit growth acceleration?
Capital optimization strategy given ROA targets?
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Next OceanFirst Financial earnings date
Q4 202523 Jan, 2026
Next OceanFirst Financial earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
OceanFirst Financial Corp is a bank holding company providing commercial and consumer banking services through its subsidiaries. The company offers deposit products, residential and commercial loans, and wealth management services. It serves customers in New Jersey, New York, and Pennsylvania through a network of branch offices and digital platforms. The company is headquartered in Red Bank, New Jersey, and its shares are listed on the NASDAQ.
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