---
schema_version: "secwatch.filing_event.v1"
accession: "0001004702-25-000008"
form_type: "8-K"
ticker: "OCFC"
cik: "0001004702"
company_name: "OCEANFIRST FINANCIAL CORP"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T12:49:51.696117+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# OceanFirst Q4 net income $20.9M ($0.36/sh), down 22% YoY; full-year EPS $1.65 vs $1.70

## Summary
- Net income available to common stockholders Q4 2024: $20.9M ($0.36 diluted EPS), down from $26.7M ($0.46) in Q4 2023.
- Full-year 2024 net income $96.0M ($1.65 diluted EPS), vs $100.0M ($1.70) in 2023.
- Net interest margin contracted to 2.69% from 2.82% YoY; efficiency ratio worsened to 67.86% from 60.38%.
- Board declared $0.20 per share quarterly dividend, payable Feb 14, 2025 to holders of record Feb 3, 2025.

## SEC filing metadata
- accession: 0001004702-25-000008
- form_type: 8-K
- ticker: OCFC
- cik: 0001004702
- company_name: OCEANFIRST FINANCIAL CORP
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000008/0001004702-25-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000008/ocfc-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001004702-25-000008
- JSON: https://secwatch.observer/filing/0001004702-25-000008.json
- Plain text: https://secwatch.observer/filing/0001004702-25-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.