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Oceanfirst Financial vs Bancorp: OCFC and TBBK compared
Oceanfirst Financial is the larger company: $185M of revenue in its latest quarter (Q3 2026) against $176M for Bancorp (Q3 2026). Oceanfirst Financial is growing faster (+80% against +0.7% a year earlier). Bancorp is more profitable, with an operating margin of 40.8% against 15.9%.
Where the money goes: OCFC and TBBK
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.
Bancorp (TBBK) · Q3 2026
Bancorp, Q3 2026: revenue $176M (+0.7% year over year), operating margin 40.8%, net earnings $62.8M, operating cash flow $24.8M. The chart follows the revenue to costs, profit and cash.
| Oceanfirst Financial (OCFC) | Bancorp (TBBK) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $185M | $176M |
| Revenue growth, Y/Y | +80% | +0.7% |
| Operating margin | 15.9% | 40.8% |
| Net earnings | $16.5M | $62.8M |
| Net margin | 8.9% | 35.7% |
| Operating cash flow | $132M | $24.8M |
| Free cash flow | $128M | $24.4M |
| Market value | $1.1B | $2.0B |
| P/E | 26.2× | 8.4× |
| Analysts’ mean target | $21.29 | $67.67 |
Where the revenue comes from
Oceanfirst Financial
- Net interest income: $172M (93%)
- Noninterest income: $13.0M (7%)
Bancorp
- Net interest income: $90.1M (51%)
- Noninterest income: $85.8M (49%)
Questions
Which is bigger, Oceanfirst Financial or Bancorp?
Oceanfirst Financial is the larger company: $185M of revenue in its latest quarter (Q3 2026) against $176M for Bancorp (Q3 2026).
Is Oceanfirst Financial or Bancorp growing faster?
Oceanfirst Financial is growing faster (+80% against +0.7% a year earlier).
Which is more profitable, Oceanfirst Financial or Bancorp?
Bancorp is more profitable, with an operating margin of 40.8% against 15.9%.
More: Oceanfirst Financial earnings · how Oceanfirst Financial makes money · Bancorp earnings · how Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.