Filing Flows › Comparisons › OCFC vs NIC
Oceanfirst Financial vs Nicolet Bankshares: OCFC and NIC compared
Oceanfirst Financial is the larger company: $185M of revenue in its latest quarter (Q3 2026) against $174M for Nicolet Bankshares (Q3 2026). Oceanfirst Financial is growing faster (+80% against +70% a year earlier). Nicolet Bankshares is more profitable, with an operating margin of 46.5% against 15.9%.
Where the money goes: OCFC and NIC
Oceanfirst Financial (OCFC) · Q3 2026
Oceanfirst Financial, Q3 2026: revenue $185M (+80% year over year), operating margin 15.9%, net earnings $16.5M, operating cash flow $132M. The chart follows the revenue to costs, profit and cash.
Nicolet Bankshares (NIC) · Q3 2026
Nicolet Bankshares, Q3 2026: revenue $174M (+70% year over year), operating margin 46.5%, net earnings $63.7M, operating cash flow $72.7M. The chart follows the revenue to costs, profit and cash.
| Oceanfirst Financial (OCFC) | Nicolet Bankshares (NIC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $185M | $174M |
| Revenue growth, Y/Y | +80% | +70% |
| Operating margin | 15.9% | 46.5% |
| Net earnings | $16.5M | $63.7M |
| Net margin | 8.9% | 36.5% |
| Operating cash flow | $132M | $72.7M |
| Free cash flow | $128M | $67.1M |
| Market value | $1.1B | — |
| P/E | 26.2× | — |
| Analysts’ mean target | $21.29 | — |
Where the revenue comes from
Oceanfirst Financial
- Net interest income: $172M (93%)
- Noninterest income: $13.0M (7%)
Nicolet Bankshares
- Net interest income: $142M (82%)
- Noninterest income: $32.2M (18%)
Questions
Which is bigger, Oceanfirst Financial or Nicolet Bankshares?
Oceanfirst Financial is the larger company: $185M of revenue in its latest quarter (Q3 2026) against $174M for Nicolet Bankshares (Q3 2026).
Is Oceanfirst Financial or Nicolet Bankshares growing faster?
Oceanfirst Financial is growing faster (+80% against +70% a year earlier).
Which is more profitable, Oceanfirst Financial or Nicolet Bankshares?
Nicolet Bankshares is more profitable, with an operating margin of 46.5% against 15.9%.
More: Oceanfirst Financial earnings · how Oceanfirst Financial makes money · Nicolet Bankshares earnings · how Nicolet Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.