Estados financieros detallados de OceanFirst Financial Corp. (OCFC): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
OceanFirst Financial Corp. registró ingresos de $655.6M en el último ejercicio fiscal, con un CAGR de 5 años del 8.6%. El beneficio neto alcanzó $71.0M, con un CAGR a 5 años del 2.3%.
Márgenes de los últimos 12 meses: margen bruto 54.9%, margen operativo 9.0%, margen neto 6.8%. El flujo de caja libre creció a un CAGR del -7.6% en 5 años.
Al precio actual de $18.25, OCFC cotiza a un P/E de 21.17 y un ROE del 2.59%. La capitalización bursátil es de $1.1B.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $151.5M | $212.3M | $307.3M | $345.0M | $433.8M | $388.8M | $485.3M | $637.0M | $687.9M | $655.6M |
| Coste de Ventas | $15.8M | $24.1M | $39.6M | $54.5M | $126.1M | $24.9M | $61.5M | $255.9M | $315.8M | $298.4M |
| Beneficio Bruto | $135.7M | $188.3M | $267.6M | $290.5M | $307.8M | $363.9M | $423.8M | $381.0M | $372.1M | $357.2M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $59.4M | $74.2M | $103.5M | $110.4M | $122.1M | $128.3M | $142.2M | $151.2M | $14.6M | $20.7M |
| Gastos Operativos | $100.5M | $123.0M | $182.1M | $183.2M | $226.7M | $221.7M | $229.9M | $244.3M | $241.5M | $264.7M |
| Beneficio Operativo | $35.2M | $65.3M | $85.5M | $107.4M | $81.0M | $142.2M | $193.9M | $136.8M | $130.7M | $92.5M |
| EBITDA | $40.8M | $73.8M | $98.1M | $119.8M | $95.8M | $157.1M | $210.4M | $153.2M | $145.2M | $93.3M |
| Gastos por Intereses | $13.2M | $19.6M | $36.2M | $52.8M | $66.7M | $36.8M | $53.7M | $238.2M | $308.1M | $282.2M |
| Beneficio Antes de Impuestos | $35.2M | $65.3M | $85.5M | $107.4M | $81.0M | $142.2M | $193.9M | $136.8M | $130.7M | $92.5M |
| Impuestos | $12.2M | $22.9M | $13.6M | $18.8M | $17.7M | $32.2M | $46.6M | $32.7M | $30.3M | $21.5M |
| Beneficio Neto | $23.0M | $42.5M | $71.9M | $88.6M | $63.3M | $110.1M | $146.6M | $104.0M | $100.1M | $71.0M |
| BPA | $1.00 | $1.32 | $1.54 | $1.77 | $1.02 | $1.79 | $2.43 | $1.70 | $1.65 | $1.17 |
| BPA Diluido | $0.98 | $1.28 | $1.51 | $1.75 | $1.02 | $1.78 | $2.42 | $1.70 | $1.65 | $1.17 |
| Acciones en Circulación (Diluidas) | $23.5M | $33.1M | $47.7M | $50.7M | $60.1M | $59.6M | $58.9M | $59.0M | $58.3M | $57.4M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $173.3M | $157.9M | $166.5M | $209.6M |
| Beneficio Bruto | $97.7M | $77.7M | $91.9M | $120.7M |
| Beneficio Operativo | $22.5M | $16.8M | $27.1M | -$2.5M |
| EBITDA | $26.2M | $20.5M | $30.8M | $53000 |
| Beneficio Neto | $17.3M | $13.1M | $20.5M | -$3.0M |
| BPA | $0.30 | $0.23 | $0.36 | $-0.04 |
| BPA Diluido | $0.30 | $0.23 | $0.36 | $-0.04 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $301.4M | $109.6M | $120.8M | $120.5M | $1.27B | $204.9M | $167.9M | $153.7M | $123.6M | $135.1M |
| Inversiones a Corto | $20.8M | $81.6M | $100.7M | $151.0M | $183.3M | $568.3M | $457.6M | $753.9M | $827.5M | $1.23B |
| Cuentas por Cobrar | $12.0M | $14.3M | $19.7M | $21.7M | $35.3M | $32.6M | $44.7M | $51.9M | $45.9M | $49.0M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $334.1M | $205.4M | $241.2M | $293.2M | $1.49B | $805.8M | $670.3M | $959.5M | $997.0M | $1.42B |
| Inmovilizado Material | $71.4M | $101.8M | $111.2M | $102.7M | $107.1M | $125.8M | $126.7M | $121.4M | $115.3M | $112.7M |
| Fondo de Comercio | $145.1M | $150.5M | $338.4M | $374.6M | $500.3M | $500.3M | $506.1M | $506.1M | $523.3M | $517.5M |
| Activos Intangibles | $10.9M | $8.9M | $17.0M | $15.6M | $23.7M | $18.2M | $13.5M | $9.5M | $12.7M | $9.0M |
| Activos Totales | $5.17B | $5.42B | $7.52B | $8.25B | $11.45B | $11.74B | $13.10B | $13.54B | $13.42B | $14.56B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | $69.9M | $79.7M | $61.8M | $71.7M | $128.5M | $118.8M | $69.1M | $73.1M | $60.6M | $54.4M |
| Pasivos Corrientes | $4.26B | $4.42B | $5.88B | $6.40B | $9.56B | $9.85B | $9.74B | $10.51B | $10.13B | $11.02B |
| Deuda a Largo | $307.1M | $345.2M | $548.9M | $616.1M | $235.5M | $229.1M | $1.41B | $973.4M | $1.20B | $1.58B |
| Pasivos Totales | $4.60B | $4.81B | $6.48B | $7.09B | $9.96B | $10.22B | $11.52B | $11.88B | $11.72B | $12.90B |
| Reservas | $238.2M | $271.0M | $305.1M | $358.7M | $378.3M | $442.3M | $540.5M | $592.5M | $641.7M | $662.6M |
| Patrimonio Neto | $572.0M | $601.9M | $1.04B | $1.15B | $1.48B | $1.52B | $1.58B | $1.66B | $1.70B | $1.66B |
| Deuda Total | $377.0M | $424.9M | $610.7M | $687.8M | $363.9M | $349.8M | $1.48B | $1.05B | $1.26B | $1.63B |
| Deuda Neta | $54.8M | $233.7M | $389.2M | $416.3M | -$1.09B | -$423.4M | $852.0M | $140.4M | $308.5M | $267.8M |
| Capital Circulante | -$3.92B | -$4.22B | -$5.64B | -$6.11B | -$8.07B | -$9.05B | -$9.07B | -$9.55B | -$9.13B | -$9.60B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $274.1M | $135.1M | $137.0M | $274.1M |
| Activos Totales | $14.32B | $14.56B | $14.56B | $23.27B |
| Pasivos Totales | $12.67B | $12.90B | $12.89B | $20.86B |
| Patrimonio Neto | $1.65B | $1.66B | $1.67B | $2.41B |
| Deuda Total | $1.97B | $1.63B | $1.50B | $2.29B |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $23.0M | $42.5M | $71.9M | $88.6M | $63.3M | $110.1M | $147.4M | $104.0M | $100.4M | $71.0M |
| Amortizaciones | $5.6M | $8.4M | $12.6M | $12.4M | $14.7M | $14.9M | $16.5M | $16.4M | $14.5M | $14.4M |
| Compensación en Acciones | $2.2M | $3.1M | $4.7M | $5.4M | $5.4M | $7.6M | $9.1M | $7.9M | $7.2M | $6.0M |
| Cambio en Capital Circulante | -$4.0M | -$16.2M | $12.1M | -$21.7M | $75.7M | -$6.4M | $79.8M | -$22.6M | -$12.0M | -$28.7M |
| Flujo de Caja Operativo | $33.4M | $80.1M | $92.6M | $100.2M | $132.7M | $160.0M | $250.4M | $124.3M | $92.2M | $87.2M |
| Inversiones (CapEx) | -$6.7M | -$48.7M | -$11.5M | -$5.1M | -$14.7M | -$42.0M | -$20.9M | -$7.7M | -$7.6M | -$7.7M |
| Adquisiciones | $48.7M | 0 | -$3.7M | $12.4M | $23.5M | 0 | $38.6M | 0 | -$68.9M | $2.8M |
| Recompra de Acciones | -$1.9M | 0 | -$10.8M | -$26.1M | -$14.8M | -$36.1M | -$7.4M | 0 | -$21.5M | -$82.3M |
| Dividendos Pagados | -$12.6M | -$19.3M | -$29.6M | -$34.2M | -$42.9M | -$44.5M | -$47.5M | -$51.3M | -$50.9M | -$48.2M |
| Flujo de Caja Libre | $26.8M | $31.4M | $81.1M | $95.2M | $117.9M | $117.9M | $229.6M | $116.6M | $84.7M | $79.5M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $24.4M | $36.0M | $25.2M | $36.0M |
| Inversiones (CapEx) | -$1.6M | -$2.9M | -$2.0M | -$2.6M |
| Flujo de Caja Libre | $22.8M | $33.1M | $23.3M | $33.5M |
| Dividendos Pagados | -$11.5M | -$11.5M | -$11.5M | -$11.5M |
| Compensación en Acciones | $1.2M | $1.8M | $1.3M | $3.2M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +40.2% | +44.7% | +12.3% | +25.7% | -10.4% | +24.8% | +31.3% | +8.0% | -4.7% |
| Crecimiento Beneficio Neto (anual) | | +84.3% | +69.4% | +23.1% | -28.5% | +73.9% | +33.2% | -29.0% | -3.8% | -29.1% |
| Crecimiento BPA (anual) | | +32.0% | +16.7% | +14.9% | -42.4% | +75.5% | +35.8% | -30.0% | -2.9% | -29.1% |
| Cambio en Acciones (anual) | | +40.8% | +43.9% | +6.5% | +18.4% | -0.7% | -1.3% | +0.1% | -1.1% | -1.5% |
| Crecimiento FCF (anual) | | +17.5% | +157.9% | +17.4% | +23.9% | +0.0% | +94.6% | -49.2% | -27.3% | -6.1% |
| Margen Bruto | 89.6% | 88.7% | 87.1% | 84.2% | 70.9% | 93.6% | 87.3% | 59.8% | 54.1% | 54.5% |
| Margen Operativo | 23.2% | 30.8% | 27.8% | 31.1% | 18.7% | 36.6% | 40.0% | 21.5% | 19.0% | 14.1% |
| Margen EBITDA | 26.9% | 34.7% | 31.9% | 34.7% | 22.1% | 40.4% | 43.4% | 24.0% | 21.1% | 14.2% |
| Margen Neto | 15.2% | 20.0% | 23.4% | 25.7% | 14.6% | 28.3% | 30.2% | 16.3% | 14.5% | 10.8% |
| Margen FCF | 17.7% | 14.8% | 26.4% | 27.6% | 27.2% | 30.3% | 47.3% | 18.3% | 12.3% | 12.1% |
| Tasa Impositiva Efectiva | 34.5% | 35.0% | 15.9% | 17.5% | 21.9% | 22.6% | 24.0% | 23.9% | 23.2% | 23.2% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $1.14 | $0.95 | $1.70 | $1.88 | $1.96 | $1.98 | $3.90 | $1.98 | $1.45 | $1.38 |
| Dividendo por Acción | $0.54 | $0.58 | $0.62 | $0.67 | $0.71 | $0.75 | $0.81 | $0.87 | $0.87 | $0.84 |
| Acciones en Circulación (Básicas) | $23.1M | $32.1M | $46.8M | $50.2M | $59.9M | $59.4M | $58.7M | $58.9M | $58.3M | $57.4M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 2.59% |
| Rentabilidad sobre capital invertido | 0.21% |
| Rentabilidad sobre activos | 0.21% |
| Margen bruto | 54.86% |
| Margen operativo | 9.04% |
| Margen neto | 6.77% |
Salud financiera
| Deuda / Patrimonio | 0.95 |
| Ratio corriente | 5.96 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 30.03 | 19.89 | 14.62 | 14.43 | 18.26 | 12.40 | 8.74 | 10.32 | 10.97 | 15.34 |
| P/VC | 1.21 | 1.40 | 1.01 | 1.11 | 0.75 | 0.87 | 0.79 | 0.62 | 0.62 | 0.62 |
| P/V | 4.58 | 3.97 | 3.43 | 3.71 | 2.57 | 3.39 | 2.57 | 1.62 | 1.53 | 1.57 |
| Margen Bruto | 89.6% | 88.7% | 87.1% | 84.2% | 70.9% | 93.6% | 87.3% | 59.8% | 54.1% | 54.5% |
| Margen Operativo | 23.2% | 30.8% | 27.8% | 31.1% | 18.7% | 36.6% | 40.0% | 21.5% | 19.0% | 14.1% |
| Margen Neto | 15.2% | 20.0% | 23.4% | 25.7% | 14.6% | 28.3% | 30.2% | 16.3% | 14.5% | 10.8% |