NASDAQ$OCFC

OceanFirst Financial Corp · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

OceanFirst reported net income available to common stockholders of $29.6 million, or $0.49 per diluted share, for the second quarter of 2021, compared to $18.6 million, or $0.31 per diluted share, for the same period last year.

OceanFirst Financial Corp. announced second quarter financial results with net income available to common stockholders of $29.6 million, or $0.49 per diluted share. The company's commercial banking expansion contributed to a record loan pipeline of $628.6 million. A generational core systems upgrade was successfully completed, enhancing operational functionality and efficiencies.

  • Net income available to common stockholders was $29.6 million, or $0.49 per diluted share.
  • Commercial banking expansion remains a strategic focus, with seven commercial bankers added in the quarter.
  • A record loan pipeline of $628.6 million was achieved as of June 30, 2021.
  • A generational core systems upgrade was successfully completed.

Headline financials

Total Revenue

$85.8M

Previous: $90.1M-4.7%
EPS (adj)

$0.49

Previous: $0.36+36.1%
Return on average assets

1.0%

No prior period
Return on average stockholders' equity

7.9%

No prior period
Return on average tangible stockholders' equity

12.1%

No prior period
Efficiency ratio

60.2%

Previous: 62.1%-3.0%
Net interest margin

2.9%

Previous: 3.2%-10.8%
Capital Expenditures

-$15.3M

Previous: -$3.59M-324.4%
Free Cash Flow

$15.3M

Previous: $15M+1.7%
Net Income

$30.6M

Previous: $18.6M+63.9%
Operating Income

$28.4M

Previous: $24.5M+15.9%
Gross Profit

$79.9M

Previous: $80.4M-0.6%
Cash & Equivalents

$1.08B

Previous: $721M+50.3%
Total Assets

$11.5B

Previous: $11.3B+1.2%
Stock-Based Comp

$1.49M

Previous: $1.37M+8.6%

Revenue & EPS history

OceanFirst · Revenue · Quarterly

$85.8M

Q2 2021-4.7%vs Q2 2020
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

Management will discuss the commercial banking expansion plans, digital banking investments, as well as expense management strategies in more detail at the Company’s previously announced Investor Day scheduled to take place at the Administrative Offices in Red Bank, New Jersey, on August 5, 2021.

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 Q2 2021

Historical avgQ2 2021

+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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