All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2022-03-03.
From the record
OceanFirst Financial Corp.'s filings since 2017 show 3 warning events of 2 kinds: an auditor change (8-K item 4.01, 2 times, the latest 2022-03-03); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2019-03-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+19.1% a year over 10 filed years; profitable in 10 of 10.
From the record
OceanFirst Financial Corp.'s 10 filed years say what it did: revenue went from $133 million in fiscal 2016 to $642 million in fiscal 2025, up 19.1% a year; it rose in 8 of 9 years; the deepest fall was 10% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.8% a year. 65% of cash flow returned. Insiders: 3 sales, 3 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, OceanFirst Financial Corp.'s diluted share count shrank about 0.8% a year, and dividends and buybacks returned about 65% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales and 3 purchases of their own stock on the open market in the year to 2026-11-03, buying about $278 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 4%: 4¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, OceanFirst Financial Corp. earned about 4 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 1.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 29% of 79 in its family; net margin 11%.
From the record
OceanFirst Financial Corp.'s standing among 79 graded names in its industry family: revenue of $642 million in fiscal 2025 ranks in the bottom 49% by size; a net margin of 11% ranks in the bottom 11%; revenue growth of 14.2% a year over the last 3 filed years ranks in the bottom 28% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 35% of 74 in its family for leadership; chief executive since 2015.
From the record
OceanFirst Financial Corp.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Maher, Christopher (Chairman and CEO, as filed), filing under that title since 2015-03-20, 11.7 years (top 25% of its family); the 24 officers and directors filing in the last fifteen months have been on the record a median of 5.3 years (bottom 24%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 24 people in charge now (top 4%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 18% of 71 in its family for room to expand.
From the record
OceanFirst Financial Corp.'s room to grow, from the newest filed statements (fiscal 2025): cash of $135 million against debt of $255 million leaves -0.8% of its assets as net cash, bottom 20% of its family; cash from operations less capital spending is 12.4% of revenue (bottom 15%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 17% of 79 in its family for growth drivers.
From the record
OceanFirst Financial Corp.'s growth drivers, from the filed years to fiscal 2025: revenue grew 14.2% a year over the last three filed years against 19.1% over all 10, slowing (bottom 8% of its family); the newest year grew 0% (bottom 31%); capital spending grew -21.8% a year (bottom 11%) (its annual reports). OceanFirst Financial Corp. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 19% of 76 in its family for expectations against reality.
From the record
OceanFirst Financial Corp.'s newest year against its own record: revenue of $642 million in fiscal 2025 came in 18% below the $784 million its prior three years' pace pointed to (bottom 48% of its family); net income of $71 million against a prior three-year average of $117 million (bottom 5%); a net margin of 11% against 22.2% before (bottom 5%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made