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Dec 31, 2025
OceanFirst Q4 2025 Earnings Report
OceanFirst reported a decrease in net income and diluted EPS for Q4 2025 compared to the prior year, with total assets increasing.
Key Takeaways
OceanFirst Financial Corp. announced net income available to common stockholders of $13.1 million, or $0.23 per diluted share, for the quarter ended December 31, 2025. This represents a decrease from $20.9 million, or $0.36 per diluted share, for the corresponding prior year period. For the full year 2025, net income was $67.1 million, or $1.17 per diluted share, down from $96.0 million, or $1.65 per diluted share in the prior year. Total assets increased by $1.14 billion to $14.56 billion.
Net income available to common stockholders for Q4 2025 was $13.1 million, a decrease from $20.9 million in Q4 2024.
Diluted earnings per share for Q4 2025 was $0.23, down from $0.36 in Q4 2024.
Total assets increased by $1.14 billion to $14.56 billion as of December 31, 2025, primarily due to increases in loans and securities.
Net interest income increased to $95.3 million in Q4 2025, up from $83.3 million in Q4 2024, primarily due to growth in average interest-earning assets.
Revenue by Segment
Forward Guidance
The Company is focused on continued profitability gains in 2026, driven by strategic initiatives from 2025 and the anticipated merger with Flushing Financial Corporation.
Positive Outlook
- Continued profitability gains are expected in 2026.
- Strategic initiatives undertaken during 2025 are anticipated to drive future performance.
- The merger transaction with Flushing Financial Corporation is expected to close in Q2 2026, subject to approvals.
- The merger is expected to further improve financial performance and operating scale.
- Strong capital levels are maintained, exceeding 'well-capitalized' regulatory levels.
Challenges Ahead
- The merger transaction is subject to receipt of regulatory approvals, approval by shareholders, and satisfaction of other customary closing conditions.
- The company acknowledges risks and uncertainties that could affect the proposed transaction, including timely completion and failure to satisfy conditions.
- Potential difficulties in retaining customers and employees post-merger are a risk.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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