For the quarter ended September 2026, OceanFirst Financial (OCFC Quick QuoteOCFC - Free Report) reported revenue of $185.14 million, up 79.8% over the same period last year. EPS came in at $0.48, compared to $0.36 in the year-ago quarter.

The reported revenue represents a surprise of +3.61% over the Zacks Consensus Estimate of $178.69 million. With the consensus EPS estimate being $0.40, the EPS surprise was +20%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how OceanFirst performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 81.8% versus the five-analyst average estimate of 67.6%.
• Net Interest Margin: 3.2% versus 3% estimated by five analysts on average.
• Net loan (charge-offs) recoveries to average total loans (annualized): 0% versus 0.1% estimated by four analysts on average.
• Average Balance - Total interest-earning assets: $21.49 billion versus the four-analyst average estimate of $21.61 billion.
• Total non-performing loans: $140.74 million versus $108.12 million estimated by two analysts on average.
• Net Interest Income: $172.12 million versus $165.28 million estimated by five analysts on average.
• Total Non-Interest Income: $13.02 million versus the four-analyst average estimate of $13.4 million.
• Income from bank owned life insurance: $4.52 million versus the three-analyst average estimate of $2.54 million.
• Bankcard services revenue: $1.9 million versus the three-analyst average estimate of $3.22 million.
• Fees and service charges: $5.27 million versus the three-analyst average estimate of $4.3 million.
• Trust and asset management revenue: $0.51 million versus the two-analyst average estimate of $0.42 million.
• Commercial loan swap income: $0.91 million versus $2.25 million estimated by two analysts on average.

View all Key Company Metrics for OceanFirst here>>>

Shares of OceanFirst have returned -1.4% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.