OceanFirst Financial Q4 Earnings Call Highlights MarketBeat Fri, January 23, 2026 at 11:18 PM GMT+5:30 7 min read OCFC OceanFirst Financial logo Key Points Strong organic growth: OceanFirst reported GAAP EPS of $0.23 and core EPS of $0.41, with net interest income up 5% sequentially and 14% year-over-year, driven by record quarterly loan growth of $474 million (about $1 billion in originations) and $528 million in deposit inflows. Margin and earnings outlook: Management expects continued NII and NIM expansion—forecasting high single-digit NII growth for the year and NIM to move past 3%—while anticipating deposit costs to decline and margins to improve gradually each quarter. Strategic actions and capital impact: OceanFirst expects the Flushing merger and Warburg Pincus investment to close in Q2 2026 to boost New York scale and profitability, and executed a CRT that provided about a 50-basis-point CET1 benefit at an annual pre-tax cost under $4 million (CRT expense flows through operating expense).
