---
schema_version: "secwatch.filing_event.v1"
accession: "0001004702-25-000077"
form_type: "8-K"
ticker: "OCFC"
cik: "0001004702"
company_name: "OCEANFIRST FINANCIAL CORP"
filed_at: "2025-04-24T23:59:59+00:00"
generated_at: "2026-05-23T06:35:24.638143+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# OceanFirst Q1 net income down 26% YoY to $20.5M; dividend declared at $0.20

## Summary
- Net income available to common stockholders: $20.5M ($0.35 EPS) vs $27.7M ($0.47) YoY and $20.9M ($0.36) linked quarter.
- Return on average assets 0.62% (YoY 0.82%), net interest margin 2.90% (YoY 2.81%).
- Efficiency ratio deteriorated to 65.67% from 59.56% in prior-year quarter.
- Quarterly dividend of $0.20 per share declared; payable May 16, record May 5.

## SEC filing metadata
- accession: 0001004702-25-000077
- form_type: 8-K
- ticker: OCFC
- cik: 0001004702
- company_name: OCEANFIRST FINANCIAL CORP
- filed_at: 2025-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000077/0001004702-25-000077-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000077/ocfc-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001004702-25-000077
- JSON: https://secwatch.observer/filing/0001004702-25-000077.json
- Plain text: https://secwatch.observer/filing/0001004702-25-000077.txt

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