OceanFirst Financial Corp
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also of… Read more
OceanFirst Financial Corp (OCFC) - Net Assets
Latest net assets as of December 2025: $1.66 Billion USD
Based on the latest financial reports, OceanFirst Financial Corp (OCFC) has net assets worth $1.66 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($14.56 Billion) and total liabilities ($12.90 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.66 Billion |
| % of Total Assets | 11.42% |
| Annual Growth Rate | 10.11% |
| 5-Year Change | -85.56% |
| 10-Year Change | 190.64% |
| Growth Volatility | 217.1 |
OceanFirst Financial Corp - Net Assets Trend (1995–2025)
This chart illustrates how OceanFirst Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for OceanFirst Financial Corp (1995–2025)
The table below shows the annual net assets of OceanFirst Financial Corp from 1995 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.66 Billion | -2.36% |
| 2024-12-31 | $1.70 Billion | +2.46% |
| 2023-12-31 | $1.66 Billion | +4.82% |
| 2022-12-31 | $1.59 Billion | -86.23% |
| 2021-12-31 | $11.51 Billion | +2.65% |
| 2020-12-31 | $11.21 Billion | +872.39% |
| 2019-12-31 | $1.15 Billion | +10.95% |
| 2018-12-31 | $1.04 Billion | +72.67% |
| 2017-12-31 | $601.94 Million | +5.23% |
| 2016-12-31 | $572.04 Million | -74.53% |
| 2015-12-31 | $2.25 Billion | +10.98% |
| 2014-12-31 | $2.02 Billion | +844.24% |
| 2013-12-31 | $214.35 Million | -2.48% |
| 2012-12-31 | $219.79 Million | +1.36% |
| 2011-12-31 | $216.85 Million | +7.75% |
| 2010-12-31 | $201.25 Million | +9.65% |
| 2009-12-31 | $183.54 Million | +53.22% |
| 2008-12-31 | $119.78 Million | -3.64% |
| 2007-12-31 | $124.31 Million | -6.06% |
| 2006-12-31 | $132.32 Million | -4.66% |
| 2005-12-31 | $138.78 Million | +0.60% |
| 2004-12-31 | $137.96 Million | +2.45% |
| 2003-12-31 | $134.66 Million | -0.48% |
| 2002-12-31 | $135.31 Million | -7.79% |
| 2001-12-31 | $146.73 Million | -6.98% |
| 2000-12-31 | $157.74 Million | -5.83% |
| 1999-12-31 | $167.50 Million | -15.28% |
| 1998-12-31 | $197.70 Million | -8.26% |
| 1997-12-31 | $215.50 Million | -14.75% |
| 1996-12-31 | $252.80 Million | +173.74% |
| 1995-12-31 | $92.35 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to OceanFirst Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 633.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $662.62 Million | 39.86% |
| Common Stock | $625.00K | 0.04% |
| Other Comprehensive Income | $-3.46 Million | -0.21% |
| Other Components | $1.00 Billion | 60.32% |
| Total Equity | $1.66 Billion | 100.00% |
OceanFirst Financial Corp Competitors by Market Cap
The table below lists competitors of OceanFirst Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Guangdong Taienkang Pharmaceutical Co. Ltd
SHE:301263
|
$982.12 Million |
|
ArcSoft Corp Ltd
SHG:688088
|
$982.32 Million |
|
Premier Financial Corp
NASDAQ:PFC
|
$982.41 Million |
|
Fielmann AG
LSE:0MG1
|
$982.64 Million |
|
BNP Paribas Bank Polska S.A.
WAR:BNP
|
$981.24 Million |
|
Bringspring Science and Tech
SHE:300290
|
$981.20 Million |
|
United Renewable Energy Co Ltd
TW:3576
|
$980.87 Million |
|
TianJin 712 Communication & Broadcasting Co Ltd
SHG:603712
|
$980.87 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in OceanFirst Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,701,650,000 to 1,662,550,000, a change of -39,100,000 (-2.3%).
- Net income of 70,978,000 contributed positively to equity growth.
- Dividend payments of 48,247,000 reduced retained earnings.
- Share repurchases of 82,278,000 reduced equity.
- Other comprehensive income increased equity by 12,393,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $70.98 Million | +4.27% |
| Dividends Paid | $48.25 Million | -2.9% |
| Share Repurchases | $82.28 Million | -4.95% |
| Other Comprehensive Income | $12.39 Million | +0.75% |
| Other Changes | $8.05 Million | +0.48% |
| Total Change | $- | -2.30% |
Book Value vs Market Value Analysis
This analysis compares OceanFirst Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.61x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 5.23x to 0.61x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $3.40 | $17.77 | x |
| 1996-12-31 | $9.31 | $17.77 | x |
| 1997-12-31 | $8.50 | $17.77 | x |
| 1998-12-31 | $9.64 | $17.77 | x |
| 1999-12-31 | $9.08 | $17.77 | x |
| 2000-12-31 | $9.86 | $17.77 | x |
| 2001-12-31 | $9.94 | $17.77 | x |
| 2002-12-31 | $9.88 | $17.77 | x |
| 2003-12-31 | $10.35 | $17.77 | x |
| 2004-12-31 | $10.89 | $17.77 | x |
| 2005-12-31 | $11.36 | $17.77 | x |
| 2006-12-31 | $11.25 | $17.77 | x |
| 2007-12-31 | $10.67 | $17.77 | x |
| 2008-12-31 | $10.19 | $17.77 | x |
| 2009-12-31 | $14.36 | $17.77 | x |
| 2010-12-31 | $11.06 | $17.77 | x |
| 2011-12-31 | $11.89 | $17.77 | x |
| 2012-12-31 | $12.33 | $17.77 | x |
| 2013-12-31 | $12.49 | $17.77 | x |
| 2014-12-31 | $12.99 | $17.77 | x |
| 2015-12-31 | $14.18 | $17.77 | x |
| 2016-12-31 | $24.32 | $17.77 | x |
| 2017-12-31 | $18.17 | $17.77 | x |
| 2018-12-31 | $21.81 | $17.77 | x |
| 2019-12-31 | $22.72 | $17.77 | x |
| 2020-12-31 | $24.71 | $17.77 | x |
| 2021-12-31 | $25.42 | $17.77 | x |
| 2022-12-31 | $26.91 | $17.77 | x |
| 2023-12-31 | $28.18 | $17.77 | x |
| 2024-12-31 | $29.19 | $17.77 | x |
| 2025-12-31 | $28.95 | $17.77 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently OceanFirst Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.27%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.83%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.76x
- Recent ROE (4.27%) is below the historical average (8.33%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 8.61% | 18.78% | 0.04x | 11.22x | $-1.29 Million |
| 1996 | -0.67% | -2.04% | 0.06x | 5.16x | $-26.98 Million |
| 1997 | 6.40% | 13.64% | 0.07x | 7.01x | $-7.75 Million |
| 1998 | 6.58% | 12.04% | 0.07x | 7.90x | $-6.77 Million |
| 1999 | 9.73% | 14.48% | 0.07x | 9.50x | $-450.00K |
| 2000 | 10.39% | 13.40% | 0.07x | 10.40x | $608.40K |
| 2001 | 12.38% | 13.85% | 0.07x | 12.02x | $3.49 Million |
| 2002 | 14.89% | 16.88% | 0.07x | 12.89x | $6.61 Million |
| 2003 | 14.76% | 17.54% | 0.07x | 12.75x | $6.41 Million |
| 2004 | 13.01% | 16.07% | 0.06x | 13.88x | $4.15 Million |
| 2005 | 14.05% | 15.37% | 0.06x | 14.31x | $5.62 Million |
| 2006 | 9.55% | 9.71% | 0.06x | 15.70x | $-599.00K |
| 2007 | 0.86% | 0.91% | 0.06x | 15.51x | $-11.36 Million |
| 2008 | 12.33% | 12.70% | 0.06x | 15.51x | $2.79 Million |
| 2009 | 8.53% | 14.04% | 0.05x | 11.06x | $-2.70 Million |
| 2010 | 10.13% | 17.65% | 0.05x | 11.19x | $252.90K |
| 2011 | 9.56% | 18.94% | 0.05x | 10.62x | $-943.90K |
| 2012 | 9.11% | 19.27% | 0.05x | 10.32x | $-1.96 Million |
| 2013 | 7.62% | 18.03% | 0.04x | 10.50x | $-5.11 Million |
| 2014 | 9.13% | 20.73% | 0.04x | 10.80x | $-1.91 Million |
| 2015 | 8.52% | 20.23% | 0.04x | 10.87x | $-3.52 Million |
| 2016 | 4.03% | 15.21% | 0.03x | 9.03x | $-34.16 Million |
| 2017 | 7.06% | 20.00% | 0.04x | 9.00x | $-17.72 Million |
| 2018 | 6.92% | 23.41% | 0.04x | 7.23x | $-32.00 Million |
| 2019 | 7.68% | 25.67% | 0.04x | 7.15x | $-26.74 Million |
| 2020 | 4.27% | 14.59% | 0.04x | 7.71x | $-85.10 Million |
| 2021 | 7.26% | 28.31% | 0.03x | 7.74x | $-41.58 Million |
| 2022 | 9.25% | 30.21% | 0.04x | 8.27x | $-11.86 Million |
| 2023 | 6.26% | 16.33% | 0.05x | 8.15x | $-62.09 Million |
| 2024 | 5.88% | 14.55% | 0.05x | 7.89x | $-70.10 Million |
| 2025 | 4.27% | 10.83% | 0.05x | 8.76x | $-95.28 Million |
Industry Comparison
This section compares OceanFirst Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| OceanFirst Financial Corp (OCFC) | $1.66 Billion | 8.61% | 7.76x | $981.48 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |