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Oceanfirst Financial (OCFC)
NASDAQ:OCFC
Earnings Data
Report Date
Jan 22, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.39Last Year’s EPS
0.38Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call highlighted strong growth in net interest income, loan originations, and deposit growth, as well as improvements in asset quality and capital levels. However, restructuring charges, increased borrowing costs, and anticipated reductions in fee income present challenges. Overall, positive growth trends are slightly offset by these challenges.Company Guidance
Continued Growth in Net Interest Income
Net interest income increased by $3 million compared to the prior quarter, marking the fourth consecutive quarter of growth.
Strong Loan Growth
Total loans increased by $373 million, representing a 14% annualized growth rate, with loan originations totaling $1 billion.
Asset Quality Improvement
Loans classified as special mention and substandard decreased by 15% to $124 million, or 1.2% of total loans, placing the company in the top decile of its peer group.
Robust Capital Levels
The common equity Tier 1 capital ratio was estimated at 10.6%, with a tangible book value per share of $19.52.
Successful Deposit Growth
Total deposits increased by $203 million, with organic growth at $321 million, driven by government and Premier banking.
Noninterest Income Increase
Noninterest income grew by 5% to $12.3 million, driven by strong swap demand linked to commercial growth.
OCFC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
OCFC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 22, 2025 | $19.32 | $18.19 | -5.85% |
Jul 24, 2025 | $17.67 | $17.22 | -2.55% |
Apr 24, 2025 | $16.11 | $16.16 | +0.31% |
Jan 23, 2025 | $18.49 | $18.16 | -1.78% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Oceanfirst Financial (OCFC) report earnings?
Oceanfirst Financial (OCFC) is schdueled to report earning on Jan 22, 2026, After Close (Confirmed).
What is Oceanfirst Financial (OCFC) earnings time?
Oceanfirst Financial (OCFC) earnings time is at Jan 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is OCFC EPS forecast?
OCFC EPS forecast for the fiscal quarter 2025 (Q4) is 0.39.