OceanFirst Financial (US:OCFC) Financial Modeling Prep·2026-01-23 06:00Core Viewpoint - OceanFirst Financial Corp. (OCFC) has demonstrated strong earnings and revenue growth, although net income has declined year-over-year, indicating mixed financial performance in the recent quarters [2][3]. Financial Performance - On January 22, 2026, OCFC reported earnings per share (EPS) of $0.41, exceeding the estimated $0.39, resulting in a +6.03% earnings surprise [2] - The company reported revenue of approximately $104.7 million, surpassing the estimated $103.7 million by 1.94%, and showing a significant increase from $95.56 million in the same period the previous year [2] - For the fourth quarter of 2025, net income available to common stockholders was $13.1 million, or $0.23 per diluted share, down from $20.9 million, or $0.36 per diluted share, in the same quarter of the previous year [3] - For the full year of 2025, net income was $67.1 million, or $1.17 per diluted share, a decline from $96 million, or $1.65 per diluted share, in the prior year [3] Financial Ratios - OCFC has a price-to-earnings (P/E) ratio of approximately 13.72 and a price-to-sales ratio of about 1.64, indicating its market valuation [4] - The enterprise value to sales ratio is around 4.15, while the enterprise value to operating cash flow ratio is approximately 29.12, reflecting its operational efficiency [4] - The debt-to-equity ratio is 1.19, indicating a moderate level of debt relative to equity, and the current ratio is 0.15, reflecting its short-term liquidity position [4]