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OceanFirst Financial Corp.

OceanFirst Financial Corp.

NASDAQ•OCFC
CEO: Mr. Christopher D. Maher
セクター: Financial Services
業種: Banks - Regional
上場日: 1996-07-03
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, that includes brokered deposits to retail, government, and business customers. The company also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, overdraft line of credit, loans on savings accounts, and other consumer loans. In addition, it invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, the company offers bankcard, trust and asset management services; and bank owned life insurance products. The company was founded in 1902 and is based in Red Bank, New Jersey.
連絡先情報
110 West Front Street, Red Bank, NJ, 07701, United States
732-240-4500
www.oceanfirst.com
時価総額
$1.13B
PER (TTM)
15.8
14.8
配当利回り
4.1%
52週高値
$20.61
52週安値
$14.29
52週レンジ
86%
順位53Top 76.1%
2.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 2.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$157.88M-7.52%
直近4四半期の推移

EPS

$0.23-36.11%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Interest Income Rises NII increased to $90.7M for the quarter, driven by a 24 basis point expansion in NIM to 2.91% year-over-year.
Strong Loan Portfolio Growth Total loans grew $372.9M (14% annualized rate), supported by $739.2M in commercial originations this quarter.
Capital Ratios Remain Strong Bank CET1 ratio stood at 11.27%, significantly exceeding the 5.00% well-capitalized minimum requirement as of September 30, 2025.
Restructuring Charges Taken Recorded $4.1M in restructuring charges related to outsourcing residential loan originations; expects $8M more next quarter.

リスク要因

Asset Quality Deterioration NPLs increased to $41.3M (0.39% of loans) from $28.1M (0.28% of loans) year-over-year, requiring higher provisioning.
Increased Provisioning Costs Provision for credit losses spiked to $4.1M for the quarter, up from $0.5M last year, reflecting net loan growth.
Loan-to-Deposit Ratio Elevated LTD ratio reached 101.20% compared to 99.10% last year, indicating reliance on non-deposit funding sources like FHLB advances.
Lower Net Income Reported Net income available to common stockholders fell to $17.3M ($0.30 EPS) from $24.1M ($0.42 EPS) year-over-year.

見通し

Residential Outsourcing Impact Outsourcing initiative will reduce workforce by 11%, anticipating $14M in annual expense savings starting next year.
Continued Credit Monitoring Management remains vigilant on CRE investor portfolio quality due to market dependence and higher credit risk profile.
Robust Commercial Pipeline Commercial loan pipeline remains strong at $710.9M, though slightly lower than the record $790.8M reported last quarter.
Interest Rate Sensitivity The company is modestly liability sensitive to rising rates, but EVE risk decreased due to increased fixed-rate investments.

同業比較

売上高 (TTM)

Cullen/Frost Bankers, Inc.CFR
$2.75B
-3.3%
ConnectOne Bancorp, Inc.CNOB
$676.39M
+26.5%
OceanFirst Financial Corp.OCFC
$660.40M
-4.0%

粗利益率 (最新四半期)

Cullen/Frost Bankers, Inc.CFR
98.1%
+0.0pp
Westamerica BancorporationWABC
94.8%
-0.5pp
Tompkins Financial CorporationTMP
85.5%
+0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFR$9.11B14.115.0%10.3%
QCRH$1.57B12.311.9%0.0%
CNOB$1.40B17.55.5%0.2%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-1.2%
横ばい
4四半期純利益CAGR
-15.3%
収益性の低下
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月4日|
    売上高: $173.33M-1.0%
    |
    EPS: $0.30-28.6%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月4日|
    売上高: $165.40M-2.3%
    |
    EPS: $0.28-30.0%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月2日|
    売上高: $163.79M-5.2%
    |
    EPS: $0.35-25.5%
    予想通り

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月28日|
    売上高: $687.95M+8.0%
    |
    EPS: $1.65-2.9%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年10月31日|
    売上高: $175.06M+4.2%
    |
    EPS: $0.42+27.3%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月1日|
    売上高: $169.34M+7.3%
    |
    EPS: $0.40-11.1%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月2日|
    売上高: $172.84M+23.6%
    |
    EPS: $0.47+2.2%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月23日|
    売上高: $636.96M+31.3%
    |
    EPS: $1.70-30.0%
    予想通り