OceanFirst (OCFC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - OceanFirst Financial (OCFC) reported a revenue of $104.69 million for the quarter ended December 2025, reflecting a year-over-year increase of 9.6% and a surprise of +1.94% over the Zacks Consensus Estimate of $102.7 million [1] - The earnings per share (EPS) for the quarter was $0.41, up from $0.38 in the same quarter last year, with an EPS surprise of +6.03% compared to the consensus estimate of $0.39 [1] Financial Performance Metrics - The efficiency ratio for OceanFirst was reported at 80.4%, significantly higher than the average estimate of 68.9% based on two analysts [4] - The net interest margin stood at 2.9%, matching the average estimate from two analysts [4] - Total non-interest income was $9.41 million, exceeding the average estimate of $8.85 million from two analysts [4] - Net interest income was reported at $95.28 million, surpassing the average estimate of $94.35 million based on two analysts [4] Stock Performance - Over the past month, shares of OceanFirst have returned -3.2%, contrasting with the Zacks S&P 500 composite's increase of +0.7% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]