OceanFirst Q4 net income falls to $13.1M from $20.9M; EPS $0.23 vs $0.36 YoY

OCEANFIRST FINANCIAL CORP

2025-FY EPS reported $1.17

Net income available to common stockholders $13.1M ($0.23 diluted EPS) vs $20.9M ($0.36) a year ago and $17.3M ($0.30) linked quarter.
Full year 2025 net income $67.1M ($1.17 diluted EPS) vs $96.0M ($1.65) for 2024.
Return on average assets fell to 0.36% in Q4 from 0.61% a year ago; efficiency ratio worsened to 80.37% from 67.86%.
Net interest margin improved to 2.87% from 2.69% a year ago.
Board declared $0.20/share quarterly dividend, payable Feb 13, 2026 to holders of record Feb 2, 2026.

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