{"schema_version":"secwatch.filing_event.v1","accession":"0001004702-24-000002","form_type":"8-K","ticker":"OCFC","cik":"0001004702","company_name":"OCEANFIRST FINANCIAL CORP","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.039140+00:00","generated_at":"2026-06-06T21:40:15.257337+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"OceanFirst Q4 net income $26.7M ($0.46/shr) vs $52.3M ($0.89) YoY; full-year EPS $1.70","bullets":["Q4 diluted EPS $0.46 vs $0.89 in Q4 2022; full-year EPS $1.70 vs $2.42.","Net interest margin fell to 2.82% from 3.64% YoY; efficiency ratio 60.38% vs 44.56%.","Common dividend declared $0.20/share payable Feb 16, record Feb 5; preferred $0.4375/dep.","Return on average tangible common equity (ROTCE) 9.81% in Q4 vs 20.97% a year ago.","Full-year net income available to common $100.0M vs $142.6M in 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001004702-24-000002","json":"https://secwatch.observer/filing/0001004702-24-000002.json","markdown":"https://secwatch.observer/filing/0001004702-24-000002.md","text":"https://secwatch.observer/filing/0001004702-24-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1004702/000100470224000002/0001004702-24-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1004702/000100470224000002/ocfc-20240118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:40:15.257337+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"05b6be93f1d94f8b707d07b242f612f3ddc73589","claim":"OCEANFIRST FINANCIAL CORP reported the year ended December 31, 2023 results: net income $100.0 million, EPS $1.70 per diluted share.","evidence_excerpt":"For the year ended December 31, 2023, the Company reported net income available to common stockholders of $100.0 million, or $1.70 per diluted share, as compared to $142.6 million, or $2.42 per diluted share, for the prior year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1004702/000100470224000002/0001004702-24-000002-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$100.0 million"},{"label":"EPS","value":"$1.70 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"927e6c43a3f48642e4b4c0bb72fdaeb5485fd131","claim":"OCEANFIRST FINANCIAL CORP reported the quarter ended December 31, 2023 results: net income $26.7 million, EPS $0.46 per diluted share.","evidence_excerpt":"OceanFirst Financial Corp. (NASDAQ:\"OCFC\") (the \"Company\"), the holding company for OceanFirst Bank N.A. (the \"Bank\"), announced net income available to common stockholders of $26.7 million, or $0.46 per diluted share, for the quarter ended December 31, 2023, as compared to $52.3 million, or $0.89 per diluted share, for the corresponding prior year period, and $19.7 million, or $0.33 per diluted share, for the prior linked quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1004702/000100470224000002/0001004702-24-000002-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$26.7 million"},{"label":"EPS","value":"$0.46 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}