Core Insights - OceanFirst Financial (OCFC) reported revenue of $97.91 million for the quarter ended March 2025, reflecting a year-over-year decline of 0.6% and an EPS of $0.35 compared to $0.44 a year ago, with revenue exceeding the Zacks Consensus Estimate of $95.13 million by 2.92% [1] Financial Performance Metrics - Efficiency Ratio was reported at 65.7%, better than the estimated 69% by analysts [4] - Net Interest Margin stood at 2.9%, surpassing the average estimate of 2.7% [4] - Average Balance of Total Interest-Earning Assets was $12.11 billion, slightly below the estimated $12.31 billion [4] - Total Non-Interest Income was $11.25 million, lower than the average estimate of $11.82 million [4] - Net Interest Income reached $86.65 million, exceeding the average estimate of $83.31 million [4] - Bankcard Services Revenue was $1.46 million, below the estimated $1.81 million [4] - Fees and Service Charges totaled $4.71 million, compared to the average estimate of $6.14 million [4] - Income from Bank Owned Life Insurance was $1.85 million, lower than the estimated $2.29 million [4] Stock Performance - OceanFirst shares have returned -4.4% over the past month, compared to a -5.1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]