OCFC FINANCIAL STATEMENTS

OceanFirst Financial Corp. — balance sheet, income statement and cash flow trends

OCFCOceanFirst Financial Corp.

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue663.1 M $-2.3%

Gross Profit362.5 M $-1.1%

Operating Income91.3 M $-23.8%

EBITDA105.9 M $-21.0%

Net Income70 M $-24.7%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
OCFC	—	—	—	10.6%
SKBNK	—	—	—	14.2%
LB	—	—	—	1.4%
LLOY	—	—	—	25.9%
NWG	—	—	—	20.1%
TSKB	—	—	—	54.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.7 B $11%
Current Liabilities67.2 M $0%
Long-term Liabilities12.8 B $88%

Key Figures

YoY change

Total Assets14.6 B $+9.4%

Total Liabilities12.9 B $+11.1%

Total Equity1.7 B $-2.3%

Cash & ST Investments1.3 B $+44.9%

Total Debt1.5 B $+30.2%

Net Debt1.4 B $+37.9%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
OCFC	2.77	90.0%	1.75	11.5%
SKBNK	—	0.0%	-13.41	5.9%
LB	0.01	744.5%	280.57	5.3%
LLOY	0.12	209.8%	5.39	5.0%
NWG	0.25	17.0%	-14.68	5.2%
TSKB	—	0.0%	-0.47	13.4%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
OCFC	2.77	90.0%	1.75	11.5%
CFFN	0.09	166.4%	5.67	10.4%
HBT	217.73	20.6%	-9.13	11.0%
BHRB	0.20	71.0%	3.25	10.9%
MCB	—	3.9%	0.22	10.7%
MCBS	134.88	79.3%	0.40	11.8%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow114.2 M $+157.5%

Capital Expenditures7.8 M $-10.8%

Free Cash Flow106.4 M $+198.9%

Dividends Paid-47 M $-192.7%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
OCFC	17.2%	16.0%	1.2%	163.2%
SKBNK	14.2%	31.2%	17.0%	100.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
LLOY	—	—	0.0%	—
NWG	—	—	0.0%	—
TSKB	54.9%	71.9%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
OCFC	17.2%	16.0%	1.2%	163.2%
CFFN	16.8%	15.3%	1.4%	93.8%
HBT	27.4%	23.5%	3.8%	120.3%
BHRB	19.9%	17.5%	2.4%	82.4%
MCB	25.1%	23.8%	1.2%	157.8%
MCBS	26.3%	26.0%	0.2%	88.6%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.