NASDAQ$OCFC

OceanFirst Financial Corp · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

OceanFirst Financial reported Q1 2025 revenue of $65.0M, net income of $20.5M, diluted EPS of $0.35.

For Q1 2025, OceanFirst Financial reported Revenue was $65.0M, net income was $20.5M, diluted EPS was $0.35. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $65.0M for Q1 2025.
  • Net income $20.5M.
  • Diluted EPS $0.35.

Headline financials

Total Revenue

$97.9M

Previous: $98.5M-0.6%
EPS (adj)

$0.35

Previous: $0.44-20.5%
Loans-to-deposits

99.5%

No prior period
Return on average assets

0.6%

No prior period
Return on average stockholders' equity

4.8%

No prior period
Return on average tangible stockholders' equity

7.0%

No prior period
Return on average tangible common equity

7.4%

No prior period
Efficiency ratio

65.7%

No prior period
Net interest margin

2.9%

No prior period
Stockholders' equity to total assets

12.8%

No prior period
Tangible stockholders' equity to tangible assets

9.2%

No prior period
Tangible common equity to tangible assets

8.8%

No prior period
Operating expenses to average assets

2.0%

No prior period
Net interest rate spread

2.4%

No prior period
Total cost of deposits

2.1%

No prior period
Capital Expenditures

-$1.86M

Previous: -$680K-172.9%
Net Income

$21.5M

Previous: $28.7M-25.0%
Operating Income

$28.3M

Previous: $40.8M-30.8%

Revenue & EPS history

OceanFirst · Revenue · Quarterly

$97.9M

Q1 2025-0.6%vs Q1 2024
Beat estimate in 7 of 14 quarters(50%)
ActualEstimate

Revenue by segment

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

  • Loans
    $81.4M

Forward guidance

The quarterly filing discusses operating priorities, liquidity, and sector risks.

Tailwinds

  • MD&A outlines strategic priorities and capital allocation.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

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 2025

Historical avgQ1 2025

+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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