Earnings summaries and quarterly performance for OCEANFIRST FINANCIAL.
Executive leadership at OCEANFIRST FINANCIAL.
Christopher Maher
Detailed
Chief Executive Officer
CEO
BS
Brian Schaeffer
Detailed
Chief Information Officer
DB
David Berninger
Detailed
Chief Risk Officer
JL
Joseph Lebel III
Detailed
President and Chief Operating Officer
ME
Michele Estep
Detailed
Chief Administrative Officer
PB
Patrick Barrett
Detailed
Chief Financial Officer
PC
Patrick Chong
Detailed
Principal Accounting Officer
ST
Steven Tsimbinos
Detailed
General Counsel and Corporate Secretary
Board of directors at OCEANFIRST FINANCIAL.
AC
Anthony Coscia
Detailed
Lead Independent Director
DW
Dalila Wilson-Scott
Detailed
Director
GT
Grace Torres
Detailed
Director
JF
Jack Farris
Detailed
Director
JB
John Barros
Detailed
Director
JM
Joseph Murphy Jr.
Detailed
Director
KG
Kimberly Guadagno
Detailed
Director
NK
Nicos Katsoulis
Detailed
Director
PT
Patricia Turner
Detailed
Director
RG
Robert Garrett
Detailed
Director
SS
Steven Scopellite
Detailed
Director
Research analysts who have asked questions during OCEANFIRST FINANCIAL earnings calls.
Christopher Marinac
Janney Montgomery Scott LLC
8 questions for OCFC
Also covers: ABCB, BFST, BKU +25 more
Daniel Tamayo
Raymond James Financial, Inc.
8 questions for OCFC
Also covers: ASB, CNOB, FBIZ +13 more
David Bishop
Hovde Group
8 questions for OCFC
Also covers: AUB, BHLB, BKU +12 more
MB
Matthew Breese
Stephens Inc.
6 questions for OCFC
Also covers: CAC, CBU, CNOB +13 more
TS
Tim Switzer
Keefe, Bruyette & Woods (KBW)
5 questions for OCFC
Also covers: CASH, CIVB, CNOB +12 more
FS
Frank Schiraldi
Piper Sandler
3 questions for OCFC
Also covers: BPOP, CASH, CBU +14 more
MN
Manuel Navas
D.A. Davidson & Co.
3 questions for OCFC
Also covers: ABCB, BFST, BPOP +20 more
Timothy Switzer
KBW
3 questions for OCFC
Also covers: CASH, CIVB, CNOB +14 more
TC
Tyler Cacciatori
Stephens Inc.
2 questions for OCFC
Also covers: CBU, CNOB, NWFL +2 more
Recent press releases and 8-K filings for OCFC.
OceanFirst Financial Corp. Reports Q4 2025 Results and Provides Outlook
OCFC
Earnings
Guidance Update
M&A
- For Q4 2025, OceanFirst Financial Corp. reported Core Diluted EPS of $0.41, Net Interest Income of $95 million, and a preliminary estimated CET1 Ratio of 10.7%.
- Total loans increased by $474 million (or 18% annualized) in Q4 2025, while deposits grew by $528 million (or 5.1%) from the prior quarter.
- The company announced a merger agreement with Flushing Financial Corporation, which includes a $225 million capital raise from Warburg Pincus, with the transaction expected to close in Q2 2026.
- For Q1 2026, management anticipates 1-2% sequential loan growth, a 3-4 bps NIM expansion, and core non-interest expenses between $70 million to $71 million.
Jan 29, 2026, 9:15 PM
OceanFirst Financial Corp. Reports Strong Q4 2025 Earnings and Announces Merger Agreement
OCFC
Earnings
M&A
Guidance Update
- OceanFirst Financial Corp. reported Q4 2025 GAAP earnings per share of $0.23 and core earnings per share of $0.41.
- The company achieved its fifth consecutive quarter of net interest income growth, increasing by $5 million (5%) compared to the prior quarter and 14% compared to the prior year quarter.
- Total loans grew by $474 million, representing an 18% annualized growth rate, driven by $1 billion in originations. Total deposits increased by $528 million in the fourth quarter, with $323 million from organic growth.
- Asset quality remained strong, with non-performing loans at 0.2% of total loans and an estimated Common Equity Tier 1 capital ratio of 10.7%.
- The company announced a merger agreement with Flushing Financial Corporation and an investment agreement with Warburg Pincus on December 29th, with an expected close in Q2 2026.
Jan 23, 2026, 4:00 PM
OceanFirst Financial Corp. Reports Q4 2025 Earnings and Announces Merger Agreement
OCFC
Earnings
M&A
Guidance Update
- OceanFirst Financial Corp. reported Q4 2025 GAAP earnings per share of $0.23 and core earnings per share of $0.41.
- The company announced a merger agreement with Flushing Financial Corporation and an investment agreement with Warburg Pincus on December 29th, with an expected close in Q2 2026.
- Net interest income grew by $5 million (5%) quarter-over-quarter, and total loans increased by $474 million, an 18% annualized growth rate.
- Asset quality remained strong, with non-performing loans to total loans at 0.2%, and the Common Equity Tier 1 capital ratio stood at 10.7%.
- For the full year, the company anticipates mid to high single-digit loan and deposit growth, with Net Interest Income and Net Interest Margin (NIM) expected to grow, and NIM projected to exceed 3%.
Jan 23, 2026, 4:00 PM
OceanFirst Financial Corp. Reports Q4 2025 Earnings and Announces Merger Agreement
OCFC
Earnings
M&A
Guidance Update
- OceanFirst Financial Corp. reported Q4 2025 core earnings per share of $0.41 and GAAP EPS of $0.23.
- The company achieved its fifth consecutive quarter of net interest income growth, increasing by $5 million (5%) quarter-over-quarter and 14% year-over-year, with a net interest margin of 2.87%.
- Total loans grew by $474 million, an 18% annualized growth rate, driven by $1 billion in originations, while total deposits increased by $528 million in Q4 2025.
- Asset quality remained exceptional, with non-performing loans at 0.2% of total loans, and the Common Equity Tier 1 capital ratio increased to 10.7%.
- On December 29, 2025, OceanFirst announced a merger agreement with Flushing Financial Corporation and an investment agreement with Warburg Pincus, with an expected close in Q2 2026.
Jan 23, 2026, 4:00 PM
OCFC Reports Strong Q4 2025 Results and Announces Merger Agreement
OCFC
Earnings
M&A
Guidance Update
- OCFC reported strong financial results for Q4 2025, with Core Diluted EPS at $0.41 and Net Interest Income reaching $95 million. The company also maintained a robust estimated CET1 Ratio of 10.7%.
- Total loans increased by $474 million (or 18% annualized) in Q4 2025, including $218 million of commercial and industrial loan growth. Deposits also grew by $528 million (or 5.1%) from the prior quarter.
- On December 29, 2025, OCFC announced a merger agreement with Flushing Financial Corporation, which includes a $225 million capital raise from Warburg Pincus, with the transaction expected to close in the second quarter of 2026.
- For 2026, management anticipates 7-9% loan growth and expects Net Interest Margin (NIM) to expand to over 3.00%.
Jan 23, 2026, 4:00 PM
OceanFirst Financial Corp. Reports Q4 and Full Year 2025 Results, Announces Merger Agreement
OCFC
Earnings
M&A
Guidance Update
- OceanFirst Financial Corp. reported net income available to common stockholders of $13.1 million, or $0.23 per diluted share, for the quarter ended December 31, 2025, and $67.1 million, or $1.17 per diluted share, for the full year ended December 31, 2025.
- For Q4 2025, the company's net interest margin was 2.87% and the efficiency ratio was 80.37%. Core diluted earnings per share for the quarter were $0.41.
- The company experienced total loan growth of $474.0 million, representing an 18% annualized growth rate, in Q4 2025, primarily from commercial loans, and maintained a strong estimated Common Equity Tier One (CET1) capital ratio of 10.7% as of December 31, 2025.
- OceanFirst announced a merger agreement with Flushing Financial Corporation, with an estimated closing in Q2 2026, and declared its 116th consecutive quarterly cash dividend of $0.20 per share.
- For Q1 2026, management anticipates 1-2% sequential loan growth, 3-4 basis points of net interest margin expansion, and operating expenses between $70 million and $71 million.
Jan 22, 2026, 9:57 PM
OceanFirst Financial Corp. Announces Q4 and Full-Year 2025 Financial Results and Merger Agreement
OCFC
Earnings
M&A
Dividends
- OceanFirst Financial Corp. reported net income available to common stockholders of $13.1 million, or $0.23 per diluted share, for the quarter ended December 31, 2025, and $67.1 million, or $1.17 per diluted share, for the year ended December 31, 2025.
- The company announced a merger agreement with Flushing Financial Corporation and an investment from Warburg Pincus, with the merger anticipated to close in the second quarter of 2026.
- The Board of Directors declared its 116th consecutive quarterly cash dividend of $0.20 per share, payable on February 13, 2026.
- Total assets increased by $1.14 billion to $14.56 billion, total loans by $913.9 million to $11.03 billion, and deposits by $898.1 million to $10.96 billion at December 31, 2025, compared to December 31, 2024.
- Non-performing loans decreased to $27.8 million at December 31, 2025, from $35.5 million at December 31, 2024.
Jan 22, 2026, 9:40 PM
OceanFirst Financial Corp. Announces Merger with Flushing Financial Corporation and $225 Million Equity Investment
OCFC
M&A
New Projects/Investments
- OceanFirst Financial Corp. (OCFC) entered into an Agreement and Plan of Merger with Flushing Financial Corporation on December 29, 2025, for a strategic business combination.
- Concurrently with the merger agreement, OceanFirst secured a $225,000,000 equity investment from an investor through an Investment Agreement.
- The transaction involves a two-step merger where Flushing Financial will ultimately merge into OceanFirst, and Flushing Bank will merge into OceanFirst Bank, National Association.
Jan 5, 2026, 9:15 PM
OceanFirst Financial Corp and Flushing Financial Corp Announce All-Stock Merger
OCFC
M&A
New Projects/Investments
Guidance Update
- OceanFirst Financial Corp and Flushing Financial Corp have entered into a definitive all-stock merger agreement valued at approximately $579 million.
- Upon completion, the combined company is expected to have approximately $23 billion in assets, $17 billion in total loans, and $18 billion in total deposits across about 70 branches.
- The merger includes a $225 million strategic capital investment from Warburg Pincus, which will result in OceanFirst shareholders owning approximately 58%, Flushing shareholders 30%, and Warburg Pincus 12% of the combined company.
- The transaction is projected to be approximately 16% accretive to EPS in 2027, with a tangible book value earnback of just over three years, and expects 35% cost savings of Flushing's non-interest expense.
- Regulatory approval is anticipated in the first half of 2026, with the closing expected during the second quarter of 2026.
Dec 30, 2025, 1:00 PM
OceanFirst Financial Corp and Flushing Financial Corp Announce Merger
OCFC
M&A
New Projects/Investments
Guidance Update
- OceanFirst Financial Corp and Flushing Financial Corp have entered into a definitive all-stock merger agreement, valued at approximately $579 million, which will create a regional bank with approximately $23 billion in assets, $17 billion in total loans, and $18 billion in total deposits.
- Upon completion, OceanFirst shareholders will own approximately 58%, Flushing shareholders 30%, and Warburg Pincus 12% of the combined company.
- The transaction includes a $225 million strategic capital investment from affiliates of Warburg Pincus, subject to the closing of the merger, which will strengthen capital levels and support future growth.
- The combined company is expected to achieve 16% EPS accretion in 2027, with a tangible book value dilution of 6.4% and an earnback period of just over three years. Cost savings are projected at 35% of Flushing's non-interest expense, phased in 50% for 2026 and 100% thereafter.
- The merger is anticipated to close in Q2 2026, following regulatory approval in the first half of 2026.
Dec 30, 2025, 1:00 PM
Quarterly earnings call transcripts for OCEANFIRST FINANCIAL.
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