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OceanFirst Financial
OceanFirst Financial (OCFC) investor relations material
OceanFirst Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Reported Q4 2025 GAAP EPS of $0.23 and core EPS of $0.41, with strong organic growth momentum and investments earlier in the year.
Net income available to common stockholders was $13.1 million for Q4 2025, and $67.1 million for the full year, both down year-over-year.
Announced a merger agreement with Flushing Financial Corporation and a $225 million capital raise from Warburg Pincus, expected to close in Q2 2026.
Board approved a $0.20 per share quarterly dividend, marking the 116th consecutive quarterly dividend.
Financial highlights
Net interest income for Q4 2025 rose 5% sequentially to $95.3 million, and 14% year-over-year.
Total loans increased $474 million (18% annualized), with $1.05 billion in originations.
Deposits grew by $528 million (5.1%), with $323 million from organic growth and time deposits up $253 million, mainly from brokered CDs.
Non-interest income decreased by $3.3 million to $9 million, mainly due to lower title fees and reduced gain on sale of loans.
Core operating expenses were $71 million, down $1 million (2%) from the prior quarter.
Pre-tax, pre-provision core earnings grew 9% ($3 million) sequentially.
Outlook and guidance
Q1 2026: Loans and deposits expected to grow 1-2% sequentially; NIM expansion of 3-4 bps; net interest income to grow in line with loans; operating expenses of $70–$71 million.
2026: Loans and deposits projected to grow 7-9%; NIM above 3.00%; three 25 bps rate cuts modeled; operating expenses $275–$285 million.
Other income expected at $7–$9 million per quarter; expenses to remain flat at current run rates.
CET1 ratio expected to remain above 10.5%.
Guidance does not include the impact of the Flushing acquisition.
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Next OceanFirst Financial earnings date
Q1 202624 Apr, 2026
OceanFirst Financial
Next OceanFirst Financial earnings date
Q1 202624 Apr, 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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