Oceanfirst Financial Income Statement (2016-2025) | OCFC

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Income Statement Mar2016 Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Revenue & Cost
Provisions 0.56M0.66M0.89M0.51M0.70M1.17M1.17M1.42M1.37M0.71M0.91M0.51M0.62M0.36M0.30M0.35M9.97M8.64M32.84M4.07M-1.04M-6.46M-4.11M-0.81M1.85M1.47M1.21M3.43M3.32M1.72M10.36M3.29M0.59M3.12M0.52M3.47M5.83M3.04M4.09M
Revenue 23.93M34.90M39.83M42.01M47.48M3.81M3.70M3.90M4.67M5.14M4.74M4.91M4.52M4.59M4.68M4.71M4.87M3.25M3.73M3.95M3.74M3.81M2.97M3.31M3.06M7.65M6.32M5.78M5.16M5.60M5.18M5.32M4.47M5.01M6.10M6.21M4.71M4.97M5.19M
Interest income
Interest income - Loans 21.04M30.52M34.61M36.80M41.74M42.61M43.33M42.91M56.60M63.13M64.50M65.32M69.00M70.92M69.72M70.30M89.94M88.35M85.93M85.00M77.91M77.05M78.89M81.39M82.47M90.73M100.14M117.05M121.72M129.10M133.93M137.11M137.12M136.05M136.63M135.44M133.02M135.48M141.85M
Interest income - Investments 0.62M0.91M1.00M1.23M1.61M1.48M1.96M2.08M2.55M2.65M2.78M3.09M3.38M3.55M3.41M-5.29M1.49M1.32M1.43M2.03M1.61M0.31M1.49M1.41M1.01M1.21M1.88M2.28M3.03M6.67M9.26M7.88M4.62M4.34M5.44M4.78M3.41M3.40M3.19M
Interest Income - Debt Securities 1.42M1.71M1.70M1.87M2.66M2.79M2.74M2.92M3.69M4.30M4.11M3.95M4.04M3.95M3.76M12.06M6.77M6.21M5.60M5.54M5.36M5.98M5.04M5.65M7.50M7.47M8.48M10.95M14.29M14.32M15.22M15.44M19.86M19.04M19.45M19.40M17.27M15.95M17.16M
Interest Income - Total 23.07M33.14M37.31M39.90M46.01M46.88M48.03M47.91M62.84M70.08M71.38M72.36M76.42M78.41M76.89M77.08M98.21M95.88M92.96M92.56M84.87M83.34M85.42M88.46M90.98M99.42M110.50M130.28M139.03M150.10M158.41M160.43M161.60M159.43M161.53M159.62M153.70M154.82M162.19M
Interest expenses
Interest Expense - Deposits 1.27M1.77M2.08M2.39M2.78M2.91M3.13M3.52M4.46M5.25M5.80M7.07M8.64M9.76M9.82M10.21M13.94M12.30M11.37M10.68M8.50M6.33M5.38M5.01M4.04M4.32M9.24M13.43M21.33M37.93M53.29M59.47M59.85M60.07M62.32M59.89M51.05M52.27M53.25M
Interest Expense - Debt 1.24M1.36M1.29M1.76M1.75M1.79M1.85M1.89M2.66M3.38M4.08M3.45M3.40M3.81M3.68M3.51M4.63M4.91M4.80M4.03M2.77M3.00M2.91M2.86M2.71M4.30M5.30M10.36M18.90M20.05M14.13M13.14M15.52M17.09M16.99M16.40M16.00M14.92M18.29M
Interest Expenses 2.51M3.13M3.37M4.15M4.53M4.71M4.97M5.40M7.13M8.63M9.88M10.52M12.03M13.57M13.49M13.72M18.56M17.21M16.17M14.71M11.27M9.32M8.29M7.87M6.76M8.62M14.53M23.79M40.23M57.99M67.41M72.61M75.38M77.16M79.31M76.29M67.05M67.19M71.54M
Interest Income - Net 20.56M30.01M33.94M35.75M41.48M42.17M43.06M42.51M55.71M61.45M61.50M61.84M64.39M64.84M63.39M63.35M79.64M78.67M76.79M77.85M73.60M74.02M77.13M80.59M84.23M90.80M95.97M106.49M98.80M92.11M91.00M87.82M86.22M82.26M82.22M83.33M86.65M87.64M90.66M
Non-interest income
Interest Income - Total 20.00M29.35M33.05M35.24M40.78M41.01M41.89M41.09M54.34M60.74M60.60M61.34M63.77M64.48M63.09M63.00M69.68M69.02M41.07M73.78M74.22M80.48M80.31M82.16M82.38M89.54M94.95M102.84M95.79M90.88M80.71M84.67M85.63M79.15M81.70M79.86M81.31M84.60M86.56M
Financial Services Fees 0.06M0.10M0.03M0.07M0.06M
Service Charges 1.82M2.60M2.92M3.52M3.81M3.66M3.70M3.90M4.67M
Investment Gain (Loss) 0.27M0.24M20.97M8.29M-1.25M-0.09M-0.02M0.13M-0.13M-0.70M-0.11M0.00M-0.05M-0.06M-0.01M
Investment Banking Income 0.18M0.17M0.35M0.29M0.04M0.01M0.02M0.03M0.62M0.01M0.03M0.01M0.01M0.01M0.00M0.17M0.76M1.00M5.10M1.92M1.28M-0.01M0.01M0.18M0.00M0.17M0.01M0.02M0.03M0.07M0.31M0.36M0.42M0.51M1.08M0.86M1.18M0.90M
Asset Management 0.55M0.62M0.61M0.55M0.52M0.56M0.54M0.53M0.55M
Card Income 0.85M1.21M1.35M1.42M1.58M1.84M1.78M1.76M1.92M2.37M2.42M2.51M2.29M2.68M2.66M2.64M2.48M2.74M3.10M3.10M3.05M3.59M3.41M3.31M2.96M3.31M1.51M1.44M1.33M1.54M1.51M1.53M1.42M1.57M1.61M1.59M1.46M1.62M1.66M
Other Non-Interest Income 1.17M0.72M2.12M0.98M0.77M1.30M1.36M2.52M1.14M1.33M1.34M1.29M1.32M1.29M1.43M1.38M1.57M1.52M15.41M-10.54M1.86M1.72M1.64M2.06M2.10M1.79M1.76M1.92M1.75M2.46M2.56M4.39M3.13M2.69M2.62M2.52M2.98M2.90M2.62M
Non-Interest Income 3.38M4.88M5.90M6.26M6.00M6.97M7.36M6.75M8.91M8.88M8.29M8.75M9.51M9.88M11.54M11.23M13.70M11.43M8.18M40.62M20.84M11.80M9.88M9.41M8.85M7.54M15.15M27.55M2.07M8.93M10.76M11.86M12.29M10.98M14.68M12.23M11.25M11.73M12.30M
Operating Items
Amortization - Intangibles 0.01M0.12M0.18M0.30M0.52M0.51M0.51M0.49M0.83M1.00M0.99M0.98M1.00M1.01M1.01M1.58M1.54M1.54M1.40M1.36M1.35M0.84M0.81M0.80M0.88M0.94M0.91M0.90M
Depreciation & Amortization - Total 0.97M1.18M1.45M1.50M1.70M1.70M1.60M1.76M1.90M2.03M2.07M2.31M1.95M1.94M2.06M1.77M1.94M1.98M1.91M1.94M1.58M1.31M1.12M1.44M1.37M1.34M1.15M1.13M1.21M1.10M1.17M1.17M1.13M1.07M1.03M1.03M0.92M0.87M0.93M
Research & Development 1.26M1.88M2.14M2.29M2.40M2.05M2.37M2.04M3.18M3.67M3.12M3.32M3.65M3.68M3.40M4.08M4.18M4.15M4.52M4.62M4.03M4.40M5.36M7.77M5.74M6.17M6.56M4.63M6.15M6.17M6.09M6.43M5.96M6.02M5.94M6.37M6.65M6.81M7.16M
Wages, Salaries and Other 8.47M11.43M13.56M13.65M16.14M15.33M14.67M13.96M21.25M23.24M19.69M18.95M22.41M23.70M21.28M22.52M29.89M27.93M29.01M27.32M28.37M29.91M30.73M31.01M30.70M33.15M34.12M33.94M33.92M34.22M35.53M32.13M32.76M33.14M35.84M36.60M36.74M40.24M41.39M
Rent Expense 1.63M2.01M2.31M2.38M2.77M2.64M2.56M2.69M4.57M4.57M4.44M4.33M4.53M4.40M4.16M4.07M5.28M5.27M5.27M4.97M5.06M5.31M5.00M5.10M5.74M4.76M5.29M5.03M5.24M5.26M5.47M5.22M5.20M5.17M5.16M5.28M5.50M5.45M6.10M
Restructuring Costs 1.40M7.19M1.31M6.63M1.48M8.61M3.15M1.26M18.49M6.71M0.66M1.29M5.05M0.93M0.78M3.74M8.53M3.07M3.16M1.19M0.38M0.45M0.23M0.45M1.97M0.20M0.30M0.28M0.02M1.67M0.13M4.15M
Other Operating Expenses 0.01M0.07M0.43M13.03M0.01M0.01M0.00M18.68M0.56M0.49M0.84M26.54M0.31M0.11M0.10M33.93M0.03M0.02M0.27M58.19M0.73M0.17M0.17M50.07M42.68M46.20M45.70M48.66M48.69M50.40M51.76M47.37M46.39M46.36M49.94M52.05M51.23M58.34M57.99M
Operating Expenses 15.31M21.46M23.71M25.83M29.48M28.53M27.58M26.43M56.82M50.90M39.53M37.79M47.27M50.91M43.36M47.60M62.80M55.93M56.79M70.92M51.68M51.67M58.67M64.83M57.49M58.66M59.00M59.73M61.31M62.93M64.48M60.19M58.67M58.62M63.74M64.85M64.29M71.47M76.33M
Operating Income -27.67M-26.55M-25.09M-55.16M-49.31M-38.16M-36.47M-46.12M-50.20M-42.58M-46.70M-61.73M-57.02M-56.70M-71.73M-51.30M-51.35M-60.18M-65.72M-58.00M-55.59M-57.28M-58.84M-60.71M-62.79M-64.39M-59.79M-59.08M-58.92M-63.81M-65.34M-65.44M-73.77M-78.05M
EBIT 9.17M8.72M17.29M13.19M20.35M-27.67M-26.55M-25.09M-55.16M-49.31M-38.16M-36.47M-46.12M-50.20M-42.58M-46.70M-61.73M-57.02M-56.70M-71.73M-51.30M-51.35M-60.18M-65.72M-58.00M-55.59M-57.28M-58.84M-60.71M-62.79M-64.39M-59.79M-59.08M-58.92M-63.81M-65.34M-65.44M-73.77M-78.05M
Non-operating items
Non Operating Investment Income -0.14M-0.07M-0.07M0.11M0.13M0.09M0.15M0.15M-3.58M8.29M0.58M-0.47M-2.79M-8.08M3.36M-6.80M-0.56M1.45M
Net income details
EBT 6.66M5.59M13.92M9.04M15.82M10.85M18.52M20.14M6.43M18.72M29.35M31.00M26.01M23.45M31.27M26.63M20.58M24.52M-7.53M43.48M43.38M40.61M31.52M26.73M33.73M38.42M51.10M70.66M36.55M36.88M26.99M36.34M39.25M31.51M32.65M27.25M28.27M24.86M22.54M
Tax Provisions 2.45M1.93M4.79M2.98M3.80M3.17M5.70M10.19M1.00M3.02M5.28M4.27M4.84M4.46M6.30M3.18M4.04M5.88M-2.61M10.42M10.68M10.05M7.35M4.08M7.97M8.94M12.30M17.35M8.65M9.00M6.46M8.59M10.64M7.08M7.46M5.08M6.81M5.77M5.16M
Profit After Tax 4.21M3.66M9.13M6.05M12.02M7.68M12.82M9.96M5.43M15.70M24.07M26.73M21.17M18.98M24.97M23.45M16.53M18.64M-4.93M33.06M32.70M30.55M24.17M22.66M25.76M29.48M38.80M53.31M27.90M27.88M20.67M27.72M28.67M24.43M25.19M22.16M21.51M19.09M17.39M
Income from Non-Controlling Interests 0.52M0.19M0.04M0.02M0.09M-0.14M0.07M-0.06M0.06M0.07M0.25M-0.05M0.04M0.06M
Income from Continuing Operations 4.20M3.66M9.13M6.05M12.02M7.68M12.82M9.96M5.43M15.70M24.07M26.73M21.17M18.98M24.97M23.45M16.53M18.64M-4.93M33.06M32.70M30.55M24.17M22.66M25.76M29.48M38.80M53.31M27.90M27.88M20.53M27.75M28.61M24.43M25.19M22.16M21.46M19.09M17.39M
Consolidated Net Income 4.20M3.66M9.13M6.05M12.02M7.68M12.82M9.96M5.43M15.70M24.07M26.73M21.17M18.98M24.97M23.45M16.53M18.64M-4.93M33.06M32.70M30.55M24.17M22.66M25.76M29.48M38.80M53.31M27.90M27.88M20.53M27.75M28.61M24.43M25.19M22.16M21.46M19.09M17.39M
Income towards Parent Company 4.20M3.66M9.13M6.05M12.02M7.68M12.82M9.96M5.43M15.70M24.07M26.73M21.17M18.98M24.97M23.45M16.53M18.64M-4.93M33.06M32.70M30.55M24.17M22.66M25.76M29.48M38.80M53.31M27.90M27.88M20.53M27.75M28.61M24.43M25.19M22.16M21.46M19.09M17.39M
Preferred Dividend Payments 1.09M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M1.00M
Net Income towards Common Stockholders 4.20M3.66M9.13M6.05M12.02M7.68M12.82M9.96M5.43M15.70M24.07M26.73M21.17M18.98M24.97M23.45M16.53M18.64M-6.02M32.06M31.69M29.55M23.16M21.65M24.75M27.96M37.61M52.27M26.88M26.79M19.66M26.68M27.66M23.37M24.11M20.91M20.50M16.20M17.33M
Additional items
EPS (Basic) 0.250.160.360.220.380.240.400.310.120.330.500.560.430.370.500.470.280.31-0.100.530.530.490.400.370.420.480.640.890.460.450.330.460.470.400.420.360.350.280.30
EPS (Weighted Average and Diluted) 0.250.160.350.220.360.230.390.300.120.320.500.550.420.370.490.470.270.31-0.100.540.530.490.390.370.420.470.640.890.460.450.330.460.470.400.420.360.350.280.30
Shares Outstanding (Weighted Average) 17.29M25.66M25.84M25.85M32.39M32.53M32.53M32.58M47.99M48.14M48.31M48.40M51.40M51.12M51.12M50.36M60.30M60.58M60.36M60.38M59.92M59.85M59.85M59.42M59.24M59.39M59.13M59.14M59.20M59.49M59.42M59.42M58.71M58.71M58.48M58.46M58.56M58.38M57.39M
Shares Outstanding (Diluted Average) 17.12M22.88M25.89M23.53M33.09M33.14M33.11M33.12M44.85M48.70M48.57M47.66M50.15M51.29M50.97M50.75M60.48M60.12M60.08M60.07M60.10M60.04M59.86M59.65M58.94M58.99M58.92M58.88M58.92M59.15M59.11M58.96M58.79M58.49M58.41M58.30M58.11M57.89M57.60M
EBITDA 10.14M9.90M18.74M14.69M22.05M-25.97M-24.94M-23.33M-53.26M-47.28M-36.10M-34.15M-44.18M-48.27M-40.52M-44.93M-59.78M-55.03M-54.79M-69.80M-49.72M-50.04M-59.05M-64.28M-56.63M-54.26M-56.13M-57.70M-59.51M-61.69M-63.22M-58.62M-57.95M-57.85M-62.78M-64.32M-64.52M-72.90M-77.11M
Tax Rate 36.84%34.50%34.41%33.02%24.02%29.22%30.78%50.57%15.63%16.12%17.98%13.77%18.59%19.04%20.15%11.94%19.65%23.98%34.62%23.96%24.62%24.76%23.33%15.25%23.64%23.27%24.07%24.56%23.68%24.39%23.93%23.64%27.10%22.47%22.86%18.66%24.08%23.22%22.87%