Abstract

OceanFirst will release its quarterly results on January 22, 2026 Post Market; this preview consolidates last quarter’s performance and the company’s latest quarter forecast, with a focus on revenue, margins, adjusted EPS, and the operational trajectory of its core banking segments.

Market Forecast

For the current quarter, OceanFirst’s internal forecast indicates total revenue of USD 94.38 million with an estimated year-over-year increase of 10.83%, EBIT of USD 33.23 million with an estimated year-over-year increase of 7.20%, and adjusted EPS of USD 0.38 with an estimated year-over-year increase of 5.60; no gross profit margin guidance was provided, and net profit or margin guidance was not specified. The main business — Community Banking Services — remains the revenue anchor and is projected to benefit from stable loan growth and deposit mix improvements. The most promising segment is Community Banking Services with forecasted resilience in customer activity and pricing discipline; last quarter’s revenue reached USD 98.87 million, with momentum supported by retail and commercial banking flows.

Last Quarter Review

OceanFirst’s previous quarter delivered total revenue of USD 90.66 million, GAAP net profit attributable to the parent company of USD 17.33 million, a net profit margin of 17.53%, and adjusted EPS of USD 0.36; the quarter’s net profit fell quarter-on-quarter by 9.01%, and no gross profit margin was disclosed. A key operating highlight was the company’s ability to sustain profitability even as net interest dynamics remained mixed. Main business highlights centered on Community Banking Services, which generated USD 98.87 million in revenue and held the largest share of the company’s top line, supported by steady client transactions and balanced product uptake.

Current Quarter Outlook

Main Business: Community Banking Services

Community Banking Services is expected to drive the quarter’s results, given its scale and the company’s regional franchise depth. The forecast for revenue at USD 94.38 million suggests continued demand for lending and a deposit base that remains relatively stable, with pricing adjustments supporting net interest income. Operational focus appears directed toward disciplined credit underwriting and maintaining spreads, which could support the EBIT outlook of USD 33.23 million. If deposit betas moderate and asset yields hold, the business could deliver adjusted EPS of USD 0.38, consistent with the modest year-over-year growth signaled by management’s estimates.

Most Promising Area: Customer Activity and Pricing Discipline within Community Banking

The most promising driver within Community Banking Services is the combination of customer activity and pricing discipline, which has been underpinning recent period revenues. The prior quarter’s USD 98.87 million in segment revenue demonstrates a strong baseline, and the current quarter’s expectation implies management anticipates durable transaction volumes and improved mix. Given the estimated year-over-year growth of 10.83% in total revenue, incremental gains likely stem from selective loan growth, stable fee income, and efforts to manage funding costs. This alignment between volume and pricing is central to achieving the forecasted EPS and EBIT increases of 5.60% and 7.20%, respectively.

Stock Price Drivers: Margins, Credit Costs, and Balance Sheet Mix

The near-term stock performance is likely to hinge on net interest margins, credit cost trends, and balance sheet mix. A supportive net profit margin last quarter at 17.53% provides a reference point; sustaining or modestly improving this level would depend on deposit cost containment and loan yield stability amid the current rate environment. Credit quality indicators and provisioning will be closely watched; any uptick in nonperforming assets or charge-offs could pressure earnings leverage and sentiment. Lastly, the balance between interest-bearing deposits, non-interest bearing balances, and loan categories will affect both revenue realization and EPS delivery versus the USD 0.38 forecast, setting the tone for guidance commentary post earnings.

Analyst Opinions

Across recent institutional commentary, the prevailing stance is cautiously constructive, with the majority of opinions indicating a stable outlook tied to measured growth in core banking operations and careful expense control. Analysts point to the company’s EBIT estimate of USD 33.23 million and EPS estimate of USD 0.38 as consistent with a modest expansion narrative, supported by a 10.83% year-over-year revenue forecast to USD 94.38 million. The consensus view emphasizes near-term visibility in Community Banking Services performance, with attention on deposit costs and credit provisioning as key swing factors for the quarter’s actuals and post-report guidance.