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Oceanfirst Financial (OCFC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Oceanfirst Financial (OCFC) Q3 2026 earnings results →
Q3 2026 Revenue up 80% year over year to $185M · 9¢ of every $1 of revenue kept as net profit · operating margin 15.9%
Oceanfirst Financial made $185M in Q3 2026 (+80% Y/Y): Net interest income $172M, Noninterest income $13.0M. Operating margin 15.9%, net earnings $16.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $185.1M in Q3 2026, up 80% year over year and up 41% from the previous quarter. Net interest income was the largest line at 93% of revenue. Net interest income added $81.5M year over year (up 90%), 99% of the total change.
Operating profit was $29.5M, a 15.9% margin (down 6.0 points year over year). Of the extra revenue versus a year earlier, 8% reached operating profit, below the 22% margin then. Total costs grew 94% against revenue growth of 80%. The fastest-growing cost line was Other operating costs (+98%). Net earnings were $16.5M, down 5% year over year. The effective tax rate was 44.2%.
Operating cash flow was $132.0M (up 441% year over year), 802% of net earnings. Non-cash charges added back $4.0M of depreciation and amortization and $2.9M of share-based compensation. Working capital and other items added $108.5M. Capital expenditures of $3.9M left free cash flow of $128.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $185M | +80% | 15.9% | $16.5M | $132M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Oceanfirst Financial against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +80% against the peers' median +8%. Operating margin: 15.9% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| OCFC Oceanfirst Financial | Q3 2026 | $185M | +80% | 15.9% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Oceanfirst Financial 10-Q on SEC EDGAR · CIK 1004702 · National Commercial Banks
Guidance and outlook
13F: who owns OCFC and who is buying
More on OCFC
History
Every quarter: Q3 2026 results