{"schema_version":"secwatch.filing_event.v1","accession":"0001004702-24-000075","form_type":"8-K","ticker":"OCFC","cik":"0001004702","company_name":"OCEANFIRST FINANCIAL CORP","filed_at":"2024-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.815190+00:00","generated_at":"2026-06-03T17:51:33.649062+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"OceanFirst Q1 net income $27.7M, EPS $0.47; NIM narrows to 2.81% from 3.34%","bullets":["Net income available to common stockholders $27.7M ($0.47 diluted EPS), compared to $26.9M ($0.46) in Q1 2023 and $26.7M ($0.46) in Q4 2023.","Net interest margin declined to 2.81% from 3.34% in Q1 2023 and 2.82% in Q4 2023.","Return on average assets 0.82%, return on average tangible common equity 10.09%, efficiency ratio 59.56%.","Declared common dividend $0.20/share payable May 17, 2024; preferred dividend $0.4375/share payable May 15, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001004702-24-000075","json":"https://secwatch.observer/filing/0001004702-24-000075.json","markdown":"https://secwatch.observer/filing/0001004702-24-000075.md","text":"https://secwatch.observer/filing/0001004702-24-000075.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1004702/000100470224000075/0001004702-24-000075-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1004702/000100470224000075/ocfc-20240418.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T17:51:33.649062+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":"400b40b0c48d57f390c8e9278190b7564d0f879a","claim":"OCEANFIRST FINANCIAL CORP reported the quarter ended March 31, 2024 results: net income $27.7 million, or $0.47 per diluted share, EPS $0.47 per diluted share.","evidence_excerpt":"announced net income available to common stockholders of $27.7 million, or $0.47 per diluted share, for the quarter ended March 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1004702/000100470224000075/0001004702-24-000075-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$27.7 million, or $0.47 per diluted share"},{"label":"EPS","value":"$0.47 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"}