---
schema_version: "secwatch.filing_event.v1"
accession: "0001004702-26-000032"
form_type: "8-K"
ticker: "OCFC"
cik: "0001004702"
company_name: "OCEANFIRST FINANCIAL CORP"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:22:05.011684+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# OceanFirst Q1 net income flat at $20.5M; diluted EPS $0.36 vs $0.35 YoY

## Summary
- Net income available to common stockholders of $20.5M ($0.36 diluted EPS) for Q1 2026.
- Q1 2026 EPS compares to $0.35 in Q1 2025 and $0.23 in Q4 2025 (linked quarter).
- Annualized ROAA 0.57%, ROAE 4.95%, return on avg tangible common equity 7.22%.
- Net interest margin 2.93%, efficiency ratio 71.13%.
- Company to make investor presentations after April 23, 2026.

## SEC filing metadata
- accession: 0001004702-26-000032
- form_type: 8-K
- ticker: OCFC
- cik: 0001004702
- company_name: OCEANFIRST FINANCIAL CORP
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1004702/000100470226000032/0001004702-26-000032-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1004702/000100470226000032/ocfc-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001004702-26-000032
- JSON: https://secwatch.observer/filing/0001004702-26-000032.json
- Plain text: https://secwatch.observer/filing/0001004702-26-000032.txt

## Source-grounded claims
- claim_id: f30472d207cadda555190e84aaff38eb04d2d774
  claim: OCEANFIRST FINANCIAL CORP reported the quarter ended March 31, 2026 results: net income $20.5 million, EPS $0.36 per diluted share.
  evidence_excerpt: OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst Bank N.A. (the “Bank”), announced net income available to common stockholders of $20.5 million, or $0.36 per diluted share, for the quarter ended March 31, 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/1004702/000100470226000032/0001004702-26-000032-index.htm

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