---
schema_version: "secwatch.filing_event.v1"
accession: "0001004702-25-000121"
form_type: "8-K"
ticker: "OCFC"
cik: "0001004702"
company_name: "OCEANFIRST FINANCIAL CORP"
filed_at: "2025-10-22T23:59:59+00:00"
generated_at: "2026-05-17T02:40:08.329191+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001004702-25-000121
- form_type: 8-K
- ticker: OCFC
- cik: 0001004702
- company_name: OCEANFIRST FINANCIAL CORP
- filed_at: 2025-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000121/0001004702-25-000121-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1004702/000100470225000121/ocfc-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001004702-25-000121
- JSON: https://secwatch.observer/filing/0001004702-25-000121.json
- Plain text: https://secwatch.observer/filing/0001004702-25-000121.txt

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