---
schema_version: "secwatch.filing_event.v1"
accession: "0001004702-26-000005"
form_type: "8-K"
ticker: "OCFC"
cik: "0001004702"
company_name: "OCEANFIRST FINANCIAL CORP"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T08:38:51.691895+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# OceanFirst Q4 net income falls to $13.1M from $20.9M; EPS $0.23 vs $0.36 YoY

## Summary
- Net income available to common stockholders $13.1M ($0.23 diluted EPS) vs $20.9M ($0.36) a year ago and $17.3M ($0.30) linked quarter.
- Full year 2025 net income $67.1M ($1.17 diluted EPS) vs $96.0M ($1.65) for 2024.
- Return on average assets fell to 0.36% in Q4 from 0.61% a year ago; efficiency ratio worsened to 80.37% from 67.86%.
- Net interest margin improved to 2.87% from 2.69% a year ago.
- Board declared $0.20/share quarterly dividend, payable Feb 13, 2026 to holders of record Feb 2, 2026.

## SEC filing metadata
- accession: 0001004702-26-000005
- form_type: 8-K
- ticker: OCFC
- cik: 0001004702
- company_name: OCEANFIRST FINANCIAL CORP
- filed_at: 2026-01-22T23:59:59+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/1004702/000100470226000005/0001004702-26-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1004702/000100470226000005/ocfc-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001004702-26-000005
- JSON: https://secwatch.observer/filing/0001004702-26-000005.json
- Plain text: https://secwatch.observer/filing/0001004702-26-000005.txt

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