Filing Flows › Oceanfirst Financial (OCFC) › How it makes money
How Oceanfirst Financial (OCFC) makes money
Oceanfirst Financial (OCFC) made $185M of revenue in the third quarter 2026 (Q3 2026), +80% from a year earlier. Net interest income brought in $172M (93%); Noninterest income brought in $13.0M (7%). Of every dollar of revenue, 16¢ was left as operating profit, 9¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $172M | 93.0% | +43% | +90% |
| Noninterest income | $13.0M | 7.0% | +23% | +6% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $185M | 100.0% |
| Operating profit | $29.5M | 15.9% |
| Income tax | $13.0M | 7.0% |
| Net earnings | $16.5M | 8.9% |
| Operating cash flow | $132M | 71.3% |
| Free cash flow | $128M | 69.2% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $185M | +80% |
From Oceanfirst Financial's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does Oceanfirst Financial make money?
Oceanfirst Financial (OCFC) made $185M of revenue in the third quarter 2026 (Q3 2026), +80% from a year earlier. Net interest income brought in $172M (93%); Noninterest income brought in $13.0M (7%). Of every dollar of revenue, 16¢ was left as operating profit, 9¢ was left as net earnings.
What is Oceanfirst Financial's biggest business?
Net interest income: $172M in the third quarter 2026, 93% of revenue, +90% from a year earlier.
What is Oceanfirst Financial's profit margin?
Net earnings were $16.5M, 8.9% of revenue, in the third quarter 2026; the operating margin was 15.9%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.