Short answer
OCEANFIRST FINANCIAL CORP (OCFC) filed its Q3 2025 10-Q quarterly report on Nov 4, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $162M (up 0.4% year over year) with net income of $17M.
Q3 2025 key financials · XBRL
- Revenue
- $162M
- +0.4% YoY · +4.8% QoQ
- Net income
- $17M
- −31.0% YoY · −9.0% QoQ
- EPS (diluted)
- $0.31
- −26.2% YoY · +10.7% QoQ
Source: XBRL data from the OCEANFIRST FINANCIAL CORP (OCFC) Q3 2025 10-Q on SEC EDGAR. USD.
OCEANFIRST FINANCIAL CORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly revenue proxy: net interest income $90.7M, up $8.5M YoY from $82.2M
- Net interest margin 2.91% vs 2.67% YoY; net income $17.3M vs $25.1M
- Commercial lending strongest: $219.1M quarterly growth and originations $739.2M, up 74%
- Other income weakest: $12.3M vs $14.7M YoY, reflecting prior-year investment and trust-sale gains
- Liquidity $3.6B; restructuring charges $4.1M this quarter and approximately $8M expected next quarter
Risk Factors
- No material risk-factor changes since December 31, 2024
- Carried-forward unknown or immaterial risks potentially affecting operations, financial condition, or results
- No newly triggered regulatory, legal, or compliance risk disclosed
- No new operational, competitive, market, liquidity, debt, currency, or concentration risk disclosed
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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