The earnings call highlights OceanFirst Financial's steady growth in net interest income and strong capital positioning, supported by a record-high commercial loan pipeline and strategic share repurchases. However, challenges such as declining noninterest income and rising operating expenses present some concerns. Overall, the positive growth and strategic investments outweigh the negative aspects.

Company Guidance -

Q3 2025

During the OceanFirst Financial Corp. Q2 2025 earnings call, the company reported fully diluted GAAP earnings per share of $0.28 and $0.31 on a core basis. The quarter saw a net interest income increase by $1 million and a 1 basis point expansion in net interest margin. Total loans grew by $60 million, reflecting a 2% annualized growth rate, with strong originations of $716 million. Commercial and industrial loans rose by 8%, while operating expenses were $71 million, aligning with expectations. Asset quality remained robust, with loans classified as special mention and substandard decreasing by 3% to $145 million, or 1.4% of total loans. The common equity Tier 1 capital ratio stood at 11%, with a tangible book value per share of $19.34. OceanFirst repurchased $17 million worth of shares and redeemed $57 million of preferred stock. The company also authorized an additional 3 million shares for repurchase and announced a quarterly cash dividend of $0.20 per common share, marking its 114th consecutive dividend. Looking ahead, OceanFirst anticipates continued improvement in net interest income and margins, fueled by a record-high commercial pipeline of $791 million and effective deposit-gathering strategies from new premier banking teams.

Consistent Growth in Net Interest Income

OceanFirst Financial reported a third consecutive quarter of growth in net interest income, with an increase of $1 million.

Commercial and Industrial Loan Growth

The company experienced an 8% increase in commercial and industrial loans for the quarter, driven by strong originations totaling $716 million.

Record-High Commercial Pipeline

The commercial loan pipeline reached a record high of $791 million, indicating strong future lending opportunities.

Strong Capital Position

The company maintains robust capital levels, with an estimated common equity Tier 1 capital ratio of 11% and tangible book value per share of $19.34.

Share Repurchase and Dividend

OceanFirst repurchased 1 million shares at a weighted average cost of $17.17 and authorized an additional 3 million shares for repurchase. The board also approved a quarterly cash dividend of $0.20 per common share.

Oceanfirst Financial (OCFC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

OCFC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.35 / -	0.39	―	―	―
Jul 24, 2025	2025 (Q2)	0.33 / 0.31	0.39	-20.51% (-0.08)
Apr 24, 2025	2025 (Q1)	0.35 / 0.35	0.44	-20.45% (-0.09)
Jan 23, 2025	2024 (Q4)	0.36 / 0.38	0.45	-15.56% (-0.07)
Oct 17, 2024	2024 (Q3)	0.38 / 0.39	0.32	21.88% (+0.07)
Jul 18, 2024	2024 (Q2)	0.42 / 0.39	0.46	-15.22% (-0.07)
Apr 18, 2024	2024 (Q1)	0.41 / 0.44	0.55	-20.00% (-0.11)
Jan 18, 2024	2023 (Q4)	0.43 / 0.45	0.67	-32.84% (-0.22)
Oct 19, 2023	2023 (Q3)	0.35 / 0.32	0.6	-46.67% (-0.28)
Jul 20, 2023	2023 (Q2)	0.47 / 0.46	0.59	-22.03% (-0.13)

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
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%
Oct 17, 2024	$18.58	$18.24	-1.83%

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 Oct 22, 2025, After Close (Confirmed).

What is Oceanfirst Financial (OCFC) earnings time?

Oceanfirst Financial (OCFC) earnings time is at Oct 22, 2025, 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 (Q3) is 0.35.

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