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Oceanfirst Financial ( (OCFC) ) just unveiled an announcement.
On January 22, 2026, OceanFirst Financial Corp. reported that net income available to common stockholders fell to $13.1 million, or $0.23 per diluted share, for the quarter ended December 31, 2025, down from $20.9 million a year earlier and $17.3 million in the prior quarter, while full-year 2025 net income declined to $67.1 million, or $1.17 per diluted share, from $96.0 million, or $1.65 per diluted share, in 2024. Despite weaker GAAP earnings and higher efficiency ratios, core earnings for the fourth quarter rose to $23.5 million, or $0.41 per diluted share, from $22.1 million in the prior-year quarter, supported by a $4.6 million, or 5%, increase in net interest income to $95.3 million and 9% growth in pre-tax, pre-provision income to $33.2 million, indicating that underlying operating performance and balance-sheet-driven income, including loan growth, remain more resilient than headline profit figures suggest. The Board of Directors also declared a regular quarterly cash dividend of $0.20 per share, payable on February 13, 2026 to shareholders of record as of February 2, 2026, underscoring the company’s commitment to returning capital to investors even as reported profitability moderates year over year.
The most recent analyst rating on (OCFC) stock is a Hold with a $19.00 price target. To see the full list of analyst forecasts on Oceanfirst Financial stock, see the OCFC Stock Forecast page.
Spark’s Take on OCFC Stock
According to Spark, TipRanks’ AI Analyst, OCFC is a Neutral.
The score is driven primarily by steady financial performance (solid margins and improved free cash flow) and a supportive earnings outlook (loan/deposit growth, better asset quality, and strong capital). These positives are tempered by weak technical momentum and fundamental pressure points including slowing revenue growth and higher leverage, while valuation and dividend yield provide a modest cushion.
To see Spark’s full report on OCFC stock, click here.
More about Oceanfirst Financial
OceanFirst Financial Corp., headquartered in Red Bank, New Jersey, is a bank holding company for OceanFirst Bank N.A., providing commercial and consumer banking services. The company operates in the U.S. financial services industry with a focus on net interest income generation, loan growth and managing efficiency and returns on equity for its shareholders.
Average Trading Volume: 523,120
Technical Sentiment Signal: Buy
Current Market Cap: $1.03B
Find detailed analytics on OCFC stock on TipRanks’ Stock Analysis page.