18.26
+0.72%
Close of 9 Nov 2026, in USD
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About OceanFirst Financial
From its filings with the US Securities and Exchange Commission
OceanFirst Financial is based in Toms River, New Jersey and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker OCFC. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $71.0m. At that date it held total assets of $14.56bn and shareholders' equity of $1.66bn.
OceanFirst Financial Corp. (the “Company”) is incorporated under Delaware law and serves as the holding company for OceanFirst Bank N.A (the “Bank”). At December 31, 2025, the Company had consolidated total assets of $14.6 billion and total stockholders’ equity of $1.7 billion. The Company is subject to regulation by the Board of Governors of the FRB and the SEC. The Bank is primarily subject to regulation and supervision by the OCC, as well as the CFPB due to the Bank exceeding $10 billion in assets. The Bank is also subject to regulation and supervision by the FDIC, as its deposit insurer. Currently, the Company transacts the vast majority of its business through the Bank, its wholly owned subsidiary.
The Bank’s principal business is originating loans, consisting of commercial real estate and other commercial loans, which have become a key focus of the Bank. The Bank also invests in other types of loans, including residential construction and consumer loans. The Bank primarily funds these loans by attracting retail and commercial deposits. In addition, the Bank invests in MBS, securities issued by the U.S. Government and agencies thereof, corporate securities and other investments permitted by applicable law and regulations. The Bank’s revenues are derived principally from interest on its loans, and to a lesser extent, interest on its debt and equity securities.
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 3 Jul 1996
- Employees
- 898
- Head office
- 975 HOOPER AVE, TOMS RIVER, NJ, 08753-8396
- Incorporated in
- DE
- Classification
- National Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Christopher MaherChairman of the Board, President, Chief Executive Officer of the Company, Chairman and Chief Executive Officer of the Bank, since 2013$3.0m
- Mr. Patrick BarrettChief Financial Officer, Senior Executive Vice President$1.4m
- Mr. Joseph LebelChief Operating Officer, Senior Executive Vice President of the Company, President and Chief Operating Officer of the Bank, Director, since 2007$2.1m
- Mr. David BerningerSenior Executive Vice President, Chief Risk Officer of the Company and the Bank
- Mr. Steven TsimbinosSenior Executive Vice President, General Counsel and Corporate Secretary of the Company and the Bank$1.2m
- Ms. Michele EstepSenior Executive Vice President, Chief Administrative Officer of the Bank$1.2m
- Mr. Brian SchaefferSenior Executive Vice President, Chief Information Officer of the Bank
- Mr. Patrick ChongPrincipal Accounting Officer
- Mr. Anthony CosciaLead Independent Director$190,758
- Mr. John BarrosIndependent Director$145,008
- Mr. Jack FarrisIndependent Director$164,325
- Mr. Robert GarrettIndependent Director$145,008
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 56
- Environment
- 28
- Social
- 76
- Governance
- 65
- Women in the workforce
- 67%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- OceanFirst Financial Corp has consistently exhibited strong financial results, with steady revenue growth and healthy profit margins. This stability enables the company to weather economic uncertainties effectively.
- With a long-standing presence in the financial industry, OceanFirst Financial Corp has established a strong reputation and built a loyal customer base. This brand recognition provides a competitive advantage and supports customer retention.
- The company offers a wide range of financial products and services, including personal and commercial banking, lending, insurance, and investment options. This diversification helps to mitigate risks and capture opportunities across multiple segments.
Weaknesses
- OceanFirst Financial Corp's operations predominantly serve a specific geographic region, which can make the company vulnerable to local economic downturns. This concentration may limit potential growth opportunities.
- Although OceanFirst Financial Corp has a strong presence in its operating markets, it has yet to expand its footprint significantly beyond its current territories. This lack of geographical diversification could restrict future growth prospects.
Opportunities
- OceanFirst Financial Corp can explore strategic acquisitions and partnerships to expand its market reach and increase customer base. This approach would allow the company to enter new markets and leverage synergies with complementary businesses.
- The financial industry is undergoing rapid technological advancements. OceanFirst Financial Corp can embrace digital innovation to enhance customer experience, improve operational efficiency, and maintain a competitive edge in the evolving digital landscape.
Threats
- OceanFirst Financial Corp faces substantial competition from large national banks, regional financial institutions, credit unions, and emerging fintech startups. This intense competition may put pressure on market share and profitability.
- The financial industry is subject to numerous regulations and compliance requirements. Non-compliance or failure to keep up with changing regulations can result in legal penalties, reputational damage, and operational disruptions for OceanFirst Financial Corp.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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