NASDAQ$OCFC

OceanFirst Financial Corp · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Net income decreased due to merger related expenses, branch consolidation expenses, and credit loss expenses, which were partially offset by the acquisitions of Two River and Country Bank.

OceanFirst Financial Corp. reported a net income of $16.5 million, or $0.27 per diluted share, for the quarter ended March 31, 2020. The results were impacted by merger-related expenses, branch consolidation expenses, and the Two River and Country Bank opening credit loss expense, as well as the COVID-19 outbreak.

  • Strong organic loan originations of $426.2 million provided total loan growth of $158.4 million, excluding acquired loans.
  • Completed acquisitions of Two River and Country Bank on January 1, 2020, adding $1.2 billion and $832.8 million to assets, respectively.
  • Anticipates full integration of operations and the elimination of eight duplicate branches in Two River’s market area in May 2020.
  • First quarter results were adversely impacted by the COVID-19 outbreak.

Headline financials

Total Revenue

$93.3M

Previous: $73.9M+26.3%
EPS (adj)

$0.45

Previous: $0.51-11.8%
Loans-to-deposits

100.3%

Previous: 94.9%+5.7%
Efficiency ratio

67.3%

Previous: 64.0%+5.2%
Net interest margin

3.5%

Previous: 3.8%-6.9%
Capital Expenditures

-$1.8M

Previous: -$840K-114.0%
Free Cash Flow

$14.7M

Previous: $20.3M-27.5%
Net Income

$16.5M

Previous: $21.2M-21.9%
Operating Income

$20.6M

Previous: $27.4M-24.8%
Gross Profit

$83.4M

Previous: $73.9M+12.8%
Cash & Equivalents

$256M

Previous: $134M+91.1%
Total Assets

$10.5B

Previous: $8.09B+29.6%
Stock-Based Comp

$1.11M

Previous: $912K+21.5%

Revenue & EPS history

OceanFirst · Revenue · Quarterly

$93.3M

Q1 2020+26.3%vs Q1 2019
Beat estimate in 8 of 16 quarters(50%)
ActualEstimate

Revenue by segment

OceanFirst · $81.4M total across 1 segment · Q4 2021

  • Loans
    $81.4M

Forward guidance

The company focused on employee safety, payment relief programs and SBA's Paycheck Protection Program

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+0.0%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+0.6%

Avg return

30 days after

52%

34 / 65 earnings

Positive

+6.7%

Q4 2022

Best reaction

-8.3%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.3%-0.9%-1.9%
Q4 2025-3.6%-5.0%+0.8%
Q3 2025-5.8%-3.1%-5.8%
Q2 2025-2.3%-1.1%+3.4%
Q1 2025+0.3%+0.4%+0.7%
Q3 2024-0.3%-5.3%+6.9%
Q2 2024-6.8%-2.7%-11.6%
Q1 2024+4.9%+6.7%+11.1%
Q4 2023+6.5%+9.0%-4.7%
Q3 2023-4.2%-10.4%+1.9%
Q2 2023-2.7%-0.4%-2.8%
Q1 2023-8.3%-13.0%-19.7%
Q4 2022+6.7%+8.3%+17.1%
Q3 2022+2.9%+6.5%+10.4%
Q2 2022-1.0%-1.3%-4.0%
Q1 2022+1.3%+2.4%+7.5%
Q4 2021-0.2%+0.4%-1.0%
Q3 2021+1.4%+5.5%-4.0%
Q2 2021-0.3%+0.1%+11.8%
Q1 2021-1.5%-1.9%-4.7%
Q4 2020-0.6%+2.6%+18.9%
Q3 2020-4.8%-2.7%+3.9%
Q2 2020+1.1%-0.7%-4.1%
Q1 2020+6.6%+7.6%+5.4%
Q4 2019-2.2%-5.7%-11.8%
Q3 2019-0.3%+0.5%-0.8%
Q2 2019-0.3%-5.2%-19.8%
Q1 2019+0.8%+1.9%-1.5%
Q4 2018+0.8%+1.5%+8.2%
Q3 2018+3.1%+4.9%+1.9%
Q2 2018-0.3%-2.7%-1.4%
Q1 2018+2.3%-0.4%+9.3%
Q4 2017-2.0%-2.6%-4.3%
Q3 2017+3.9%-1.0%-4.2%
Q2 2017-1.9%+0.3%-7.9%
Q1 2017-3.0%-1.7%-7.6%
Q4 2016-0.5%-5.0%-1.7%
Q3 2016+3.7%+6.9%+24.0%
Q2 2016+0.5%-0.5%+4.4%
Q1 2016+0.1%
Q4 2015-0.2%
Q3 2015+2.3%
Q2 2015-2.8%
Q1 2015+2.3%
Q4 2014-1.0%
Q3 2014-1.8%
Q2 2014+1.4%
Q1 2014-2.7%
Q4 2013+1.0%
Q3 2013+3.6%
Q2 2013+3.1%
Q1 2013+2.0%
Q4 2012+3.2%
Q3 2012+0.8%
Q2 2012+1.8%
Q1 2011+1.2%
Q1 2012+2.2%
Q4 2010+1.2%
Q4 2011+1.2%
Q4 2009+1.2%
Q3 2011-4.1%
Q3 2010-4.1%
Q2 2011-2.4%
Q2 2010-2.4%
Q1 2010+2.0%

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