OceanFirst Q3 2025 EPS $0.30, down 29% YoY; declares $0.20 dividend

OCEANFIRST FINANCIAL CORP

2025-Q3 EPS reported $0.94

Net income $17.3M ($0.30 diluted EPS) vs $24.1M ($0.42) in Q3 2024, a 28% decline YoY.
Nine-month net income $54.0M ($0.94 diluted EPS) vs $75.1M ($1.29) prior year, down 28%.
Net interest margin 2.91% (up from 2.67% YoY); efficiency ratio worsened to 74.13% from 65.77%.
Quarterly dividend $0.20 per share, payable Nov 14, 2025 to holders of record Nov 3, 2025.

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