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Oceanfirst Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$128M in Q3 2026 · $218M over twelve months

Operating cash flow$132M
Capital spending−$3.9M
Free cash flow+$128M
Cash / net income8.0×

Analysis

In Q3 2026, Oceanfirst Financial generated $132M of operating cash flow and spent $3.9M on capital projects, leaving free cash flow of $128M. That is $105M more than in Q3 2025 ($22.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $229M; the largest uses were other investing ($387M), dividends ($54.1M), net borrowing (+) / repaid (−) ($32.4M); besides operations, cash came from other financing ($263M), shares issued ($2.9M); the cash balance fell by $4.3M.

Operating cash flow was $132M against net income of $16.5M — 8.0× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$155M, prepaid and other assets −$36.2M, depreciation & amortization +$4.0M.

Free cash flow

Oceanfirst Financial: free cash flow by quarterOceanfirst Financial: free cash flow by quarter$43.2MQ4 2024−$3.6MQ1 2025$27.2MQ2 2025$22.8MQ3 2025$33.1MQ4 2025$23.3MQ1 2026$33.5MQ2 2026$128MQ3 2026
Operating cash flow less capital spending.
Oceanfirst Financial: operating cash flow against capital spendingOceanfirst Financial: operating cash flow against capital spendingOperating cash flowCapital spending$44.8M$1.6MQ4 2024−$1.8M$1.9MQ1 2025$28.6M$1.4MQ2 2025$24.4M$1.6MQ3 2025$36.0M$2.9MQ4 2025$25.2M$2.0MQ1 2026$36.0M$2.6MQ2 2026$132M$3.9MQ3 2026
Latest (Q3 2026): Operating cash flow $132M, Capital spending $3.9M.

Capital allocation, year by year

Oceanfirst Financial: where the cash came from (up) and went (down), by fiscal yearOceanfirst Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $160MFY2021: Net borrowing −$9.9MFY2021: Shares issued $1.9MFY2021: Asset sales $3.5MFY2021: Capital spending −$42.0MFY2021: Buybacks −$36.1MFY2021: Dividends −$44.5M$165MFY2021FY2022: Operating cash flow $250MFY2022: Net borrowing −$49.9MFY2022: Shares issued $424KFY2022: Capital spending −$16.1MFY2022: Buybacks −$7.4MFY2022: Dividends −$47.5M$251MFY2022FY2023: Operating cash flow $124MFY2023: Net borrowing $3.7MFY2023: Shares issued $702KFY2023: Capital spending −$7.7MFY2023: Dividends −$51.3M$129MFY2023FY2024: Operating cash flow $92.2MFY2024: Net borrowing −$12.9MFY2024: Shares issued $571KFY2024: Asset sales $3.4MFY2024: Capital spending −$7.6MFY2024: Acquisitions −$68.9MFY2024: Buybacks −$21.5MFY2024: Dividends −$50.9M$96.2MFY2024FY2025: Operating cash flow $87.2MFY2025: Net borrowing −$6.5MFY2025: Shares issued $717KFY2025: Capital spending −$7.7MFY2025: Buybacks −$24.9MFY2025: Dividends −$48.2M$87.9MFY2025
Over these 5 years operating cash flow totalled $714M; the largest uses were dividends ($242M) and buybacks ($89.8M). Cash-flow statements as filed.

Where the cash came from and went

Oceanfirst Financial: sources (+) and uses (−) of cash, Q3 2026Oceanfirst Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$424MOther financing$342MOperating cash flow$132MNet borrowing (+) / repaid (−)−$28.6MDividends−$19.7MCash drawn (+) / kept (−)$4.2MCapital spending−$3.9MTaxes on employees’ shares−$1.2MBuybacks−$755KShares issued$1K
Oceanfirst Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Oceanfirst Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$387MOther financing$263MOperating cash flow$229MDividends−$54.1MNet borrowing (+) / repaid (−)−$32.4MCapital spending−$11.4MBuybacks−$8.3MTaxes on employees’ shares−$5.6MCash drawn (+) / kept (−)$4.3MShares issued$2.9MPartners−$49K

From profit to cash

Oceanfirst Financial: net income to operating cash flow, Q3 2026Oceanfirst Financial: net income to operating cash flow, Q3 2026Net income$16.5MDepreciation & amortization$4.0MStock-based pay$2.9MDeferred taxes$1.1MPrepaid and other assets−$36.2MOther liabilities$155MOperating cash flow$132M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$132M−$3.9M—−$755K−$19.7M−$28.6M$1K$4.2M$128M
Q2 2026$36.0M−$2.6M—−$3.6M−$11.5M−$6.0M—−$137M$33.5M
Q1 2026$25.2M−$2.0M—−$3.4M−$11.5M$12.7M$2.3M−$1.9M$23.3M
Q4 2025$36.0M−$2.9M—−$558K−$11.5M−$10.5M$539K$139M$33.1M
Q3 2025$24.4M−$1.6M—−$42K−$11.5M$3.3M$42K−$104M$22.8M
Q2 2025$28.6M−$1.4M—−$17.4M−$12.7M−$3.7M$17K−$6.9M$27.2M
Q1 2025−$1.8M−$1.9M—−$6.9M−$12.7M$4.5M$119K−$40.1M−$3.6M
Q4 2024$44.8M−$1.6M−$67.9M$5K−$12.7M−$20.7M$523K$90.6M$43.2M

Oceanfirst Financial: income statement and cash flow

Oceanfirst Financial, Q3 2026: revenue $185M (+80% year over year), operating margin 15.9%. The chart follows the revenue to costs, profit and cash.

Oceanfirst Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.