Filing Flows › Oceanfirst Financial (OCFC) › Q3 2026 › vs Q3 2025
Oceanfirst Financial (OCFC) Q3 2026 vs Q3 2025 (year over year)
Oceanfirst Financial's revenue rose $82.2M (+80%) from $103M in Q3 2025 to $185M in Q3 2026. The biggest changes: Net interest income +$81.5M (+90%); Noninterest income +$715K (+6%). Operating margin 15.9% against 21.9% (-6.0 pts).
Oceanfirst Financial, Q3 2026: revenue $185M (+80% year over year), operating margin 15.9%, net earnings $16.5M, operating cash flow $132M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 15.9% | 21.9% | -6.0 pts |
| Net margin | 8.9% | 16.9% | -8.0 pts |
| Free cash flow margin | 69.2% | 22.2% | +47.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $172M | $90.7M | $81.5M | +90% |
| Noninterest income | $13.0M | $12.3M | $715K | +6% |
| Revenue | $185M | $103M | $82.2M | +80% |
| Operating profit | $29.5M | $22.5M | $7.0M | +31% |
| Costs & expenses | $156M | $80.4M | $75.2M | +94% |
| Pre-tax earnings | $29.5M | $22.5M | $7.0M | +31% |
| Credit loss provision | $4.3M | $4.1M | $176K | +4% |
| Other operating costs | $151M | $76.3M | $75.0M | +98% |
| Net earnings | $16.5M | $17.4M | −$924K | -5% |
| Income tax | $13.0M | $5.2M | $7.9M | +153% |
| Depreciation & amortization | $4.0M | $2.6M | $1.4M | +54% |
| Share-based compensation | $2.9M | $869K | $2.1M | +238% |
| Working capital & other | $109M | $3.5M | $105M | 31× |
| Operating cash flow | $132M | $24.4M | $108M | +441% |
| Free cash flow (OCF − capex) | $128M | $22.8M | $105M | +461% |
| Capital expenditures | $3.9M | $1.6M | $2.4M | +151% |
Questions
How much did Oceanfirst Financial's revenue grow year over year in Q3 2026?
Oceanfirst Financial's revenue rose $82.2M (+80%) from $103M in Q3 2025 to $185M in Q3 2026.
What drove Oceanfirst Financial's revenue change in Q3 2026?
Net interest income +$81.5M (+90%); Noninterest income +$715K (+6%).