secwatch.observer — SEC 8-K summary
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Issuer:     OCEANFIRST FINANCIAL CORP (OCFC)
CIK:        0001004702
Form:       8-K
Filed at:   2025-10-22T23:59:59+00:00
Accession:  0001004702-25-000121
Event type: earnings
Sentiment:  negative
Materiality: 0.60
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1004702/000100470225000121/0001004702-25-000121-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1004702/000100470225000121/ocfc-20251022.htm
  HTML page:      https://secwatch.observer/filing/0001004702-25-000121

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer