OceanFirst Financial (OCFC) Q4 Non-GAAP EPS Beats Expectations with Revenue Growth of 9.5%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Source: seekingalpha
- Earnings Beat: OceanFirst Financial reported a Q4 Non-GAAP EPS of $0.41, exceeding market expectations by $0.05, indicating a sustained enhancement in the company's profitability.
- Significant Revenue Growth: The company achieved revenue of $104.6 million in Q4, reflecting a 9.5% year-over-year increase, surpassing analyst expectations by $0.9 million and demonstrating robust business growth.
- Acquisition Strategy: OceanFirst Financial announced plans to acquire Flushing Financial, raising $225 million, which underscores its strategic intent to expand market share and solidify its position in the financial services sector.
- Debt Financing Arrangement: The company also announced the pricing of a subordinated notes offering aimed at optimizing its capital structure and providing funding support for future growth, thereby enhancing its financial flexibility.
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Analyst Views on OCFC
Wall Street analysts forecast OCFC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OCFC is 20.50 USD with a low forecast of 19.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 18.230
Low
19.00
Averages
20.50
High
22.00
Current: 18.230
Low
19.00
Averages
20.50
High
22.00
About OCFC
OceanFirst Financial Corp. is the holding company for OceanFirst Bank N.A. (the Bank). The Bank is a regional community bank offering a variety of financial products and services to meet the needs of customers in the communities it serves. Its principal business is originating loans, consisting of commercial real estate and other commercial loans, and single-family, owner-occupied residential mortgage loans. It delivers commercial and residential financing, treasury management, trust and asset management, and deposit services. It also invests in other types of loans, including residential construction and consumer loans. The Bank primarily operates over 39 branch offices and various deposit production facilities located throughout central and southern New Jersey and the metropolitan areas of New York City and Philadelphia. It also operates commercial loan production offices in New Jersey, New York City, the greater Philadelphia area, Pittsburgh, Washington D.C., Baltimore, and Boston.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
OceanFirst Financial Corp. (OCFC) Reports Q4 2025 EPS of $0.23 with $474 Million Loan Growth
- Earnings Performance: OceanFirst Financial Corp. reported Q4 2025 earnings per share of $0.23 (GAAP) and $0.41 core earnings, indicating stable profitability and reflecting the company's competitive strength in the market.
- Loan Growth: Total loan originations reached $1 billion, with record quarterly loan growth of $474 million, representing an annualized growth rate of 18%, demonstrating the company's strong performance in the credit market and increased market share.
- Asset Quality: Nonperforming loans accounted for only 0.2% of total loans, with special mention and substandard loans decreasing by 10% to $112 million, showcasing the company's effectiveness in risk management and asset quality control.
- Strategic Acquisition: The merger agreement with Flushing Financial is expected to directly support OceanFirst's organic growth initiatives in New York, enhancing its competitive position in the U.S. banking market and driving future business expansion.
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OceanFirst Financial (OCFC) Declares $0.20 Quarterly Dividend with 4.17% Yield
- Quarterly Dividend Declaration: OceanFirst Financial has declared a quarterly dividend of $0.20 per share, consistent with previous distributions, reflecting the company's stable cash flow and shareholder return strategy.
- Yield Performance: The forward yield of 4.17% is attractive in the current market environment, potentially drawing in more investors seeking stable income.
- Dividend Payment Schedule: The dividend will be payable on February 13, with a record date of February 2 and an ex-dividend date also set for February 2, ensuring timely returns for shareholders.
- Market Reaction Expectations: The announcement of the dividend is expected to bolster investor confidence in OceanFirst Financial, potentially having a positive impact on its stock price and further solidifying its position in the financial market.
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