---
schema_version: "secwatch.filing_event.v1"
accession: "0001004702-25-000104"
form_type: "8-K"
ticker: "OCFC"
cik: "0001004702"
company_name: "OCEANFIRST FINANCIAL CORP"
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T01:50:48.748332+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# OceanFirst Q2 earnings fall 31% YoY; net income $16.2M, EPS $0.28

## Summary
- Net income available to common stockholders $16.2M ($0.28 diluted) vs $23.4M ($0.40) in Q2 2024.
- Linked-quarter net income also down from $20.5M ($0.35) in Q1 2025.
- Six-month net income $36.7M ($0.63) vs $51.0M ($0.87) year ago.
- Net interest margin improved to 2.91% from 2.71% YoY; efficiency ratio worsened to 71.93% from 62.86%.
- Board declared $0.20/share quarterly dividend, payable Aug 15 to holders of record Aug 4.

## SEC filing metadata
- accession: 0001004702-25-000104
- form_type: 8-K
- ticker: OCFC
- cik: 0001004702
- company_name: OCEANFIRST FINANCIAL CORP
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000104/0001004702-25-000104-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000104/ocfc-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001004702-25-000104
- JSON: https://secwatch.observer/filing/0001004702-25-000104.json
- Plain text: https://secwatch.observer/filing/0001004702-25-000104.txt

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