Oceanfirst Financial CORP (OCFC) — SEC Filings

Q: What are the key financial highlights for Oceanfirst Financial CORP?

Key financial highlights for Oceanfirst Financial CORP are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Oceanfirst Financial CORP?

Key executives at Oceanfirst Financial CORP are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Oceanfirst Financial CORP stock?

Risk factors for Oceanfirst Financial CORP (OCFC) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Oceanfirst Financial CORP?

Forward-looking statements and predictions from Oceanfirst Financial CORP are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Oceanfirst Financial CORP. Recent 8-K filing on Dec 30, 2025. AI-decoded analysis of earnings, risk factors, and insider trades.

View Oceanfirst Financial CORP on SEC EDGAR

Overview

Oceanfirst Financial CORP (OCFC) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 4, 2025: OceanFirst Financial Corp. (OCFC) reported a net income of $17.3 million for the three months ended September 30, 2025, a decrease from $25.1 million in the prior year period. Diluted earnings per share fell to $0.30 from $0.42 year-over-year. For the nine months ended September 30, 2025, net income

Sentiment Summary

Across 36 filings, the sentiment breakdown is: 1 bearish, 33 neutral, 2 mixed. The dominant filing sentiment for Oceanfirst Financial CORP is neutral.

Filing Type Overview

Oceanfirst Financial CORP (OCFC) has filed 23 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 3 SC 13G/A with the SEC between Jan 2024 to Dec 2025.

Filings by Year

2025 · 2024

Recent Filings (36)

8-K Filing — 8-K · Dec 30, 2025
OceanFirst Q3 Net Income Dips Amid Restructuring, Loan Growth — 10-Q · Nov 4, 2025 Risk: medium
OceanFirst Financial Corp. (OCFC) reported a net income of $17.3 million for the three months ended September 30, 2025, a decrease from $25.1 million in the pri
OceanFirst Financial Corp. Enters Material Definitive Agreement — 8-K · Oct 29, 2025 Risk: medium
OceanFirst Financial Corp. entered into a material definitive agreement on October 27, 2025. The company, formerly known as Ocean Financial Corp., is a national
OceanFirst Financial Corp. Files 8-K on Financials — 8-K · Oct 22, 2025 Risk: low
OceanFirst Financial Corp. filed an 8-K on October 22, 2025, reporting on its results of operations and financial condition. The filing also included disclosure
OceanFirst Financial Corp. Files 8-K with Exhibits — 8-K · Sep 2, 2025 Risk: low
OceanFirst Financial Corp. announced on September 2, 2025, a Regulation FD Disclosure and the filing of Financial Statements and Exhibits. The company, formerly
OceanFirst Financial Q2 Net Income Dips to $25.3M Amid Revenue Decline — 10-Q · Aug 4, 2025 Risk: medium
OCEANFIRST FINANCIAL CORP reported a net income of $25.3 million for the three months ended June 30, 2025, a decrease from $28.7 million in the prior-year quart
OceanFirst Financial to Acquire Ocean Financial Corp. — 8-K · Jul 24, 2025 Risk: medium
OceanFirst Financial Corp. announced on July 24, 2025, that it has entered into a definitive agreement to acquire Ocean Financial Corp. The transaction is expec
OceanFirst Financial Corp. to Acquire OceanFirst Bank N.A. — 8-K · Jul 17, 2025 Risk: low
OceanFirst Financial Corp. announced on July 15, 2025, that it has entered into a definitive agreement to acquire OceanFirst Bank N.A. from OceanFirst Financial
OceanFirst Financial Corp. Files 8-K on Shareholder Vote Matters — 8-K · May 21, 2025 Risk: low
OceanFirst Financial Corp. filed an 8-K on May 21, 2025, reporting on matters submitted to a vote of security holders as of May 19, 2025. The filing details the
OceanFirst Financial Corp. Q1 2025 Filing Released — 10-Q · May 2, 2025 Risk: low
OceanFirst Financial Corp. reported its first quarter 2025 results, ending March 31, 2025. The company's filing details its financial position and operational s
OceanFirst Financial to Acquire OceanFirst Bank N.A. — 8-K · Apr 24, 2025 Risk: low
OceanFirst Financial Corp. announced on April 24, 2025, that it has entered into a definitive agreement to acquire OceanFirst Bank N.A. from OceanFirst Financia
OceanFirst Financial Corp. Files 8-K — 8-K · Apr 18, 2025 Risk: low
OceanFirst Financial Corp. filed an 8-K on April 18, 2025, reporting on other events and financial statements. The filing details the company's corporate struct
OceanFirst Financial Corp Proxy Statement Filed — DEF 14A · Apr 9, 2025 Risk: low
OceanFirst Financial Corp filed its DEF 14A on April 9, 2025, detailing executive compensation and corporate governance for the fiscal year ending December 31,
OceanFirst Financial Corp. Announces Board and Executive Changes — 8-K · Mar 31, 2025 Risk: medium
OceanFirst Financial Corp. announced on March 28, 2025, changes in its board and executive compensation. The filing details the departure of certain officers an
OceanFirst Financial Corp. Files 2024 10-K — 10-K · Feb 28, 2025 Risk: medium
OceanFirst Financial Corp. filed its 2024 10-K on February 28, 2025, reporting on its fiscal year ending December 31, 2024. The company, a national commercial b
OceanFirst Financial Corp. Completes Acquisition of OceanFirst Bank N.A. — 8-K · Jan 23, 2025 Risk: low
OceanFirst Financial Corp. announced on January 23, 2025, that it has completed its previously announced acquisition of OceanFirst Bank N.A. The transaction, wh
OceanFirst Financial Corp. Files 8-K — 8-K · Jan 21, 2025 Risk: low
OceanFirst Financial Corp. filed an 8-K on January 21, 2025, reporting on other events and financial statements. The filing indicates the company's principal ex
OceanFirst Financial Corp. Files 8-K with Exhibits — 8-K · Nov 6, 2024 Risk: low
OceanFirst Financial Corp. announced on November 6, 2024, a Regulation FD Disclosure and the filing of Financial Statements and Exhibits. The company, incorpora
OceanFirst Financial Corp. Q3 2024 Update — 10-Q · Oct 31, 2024 Risk: low
OceanFirst Financial Corp. reported its Q3 2024 results, with total assets reaching $12.5 billion as of September 30, 2024. The company's net interest income fo
OceanFirst to Acquire Provident Financial for $1.7B — 8-K · Oct 17, 2024 Risk: medium
OceanFirst Financial Corp. announced on October 17, 2024, that it has entered into a definitive agreement to acquire Provident Financial Services, Inc. The tran
OceanFirst Financial Corp. to Acquire OceanFirst Bank N.A. — 8-K · Sep 18, 2024 Risk: low
OceanFirst Financial Corp. announced on September 18, 2024, that it has entered into a definitive agreement to acquire OceanFirst Bank N.A. from OceanFirst Fina
OceanFirst Financial Corp. to Acquire OceanFirst Bank N.A. — 8-K · Sep 3, 2024 Risk: medium
OceanFirst Financial Corp. announced on September 3, 2024, that it has entered into a definitive agreement to acquire OceanFirst Bank N.A. from OceanFirst Finan
OceanFirst Financial Corp. Q2 2024 10-Q Filing — 10-Q · Aug 1, 2024 Risk: low
OceanFirst Financial Corp. reported its financial results for the quarter ending June 30, 2024. The company's filing details its financial position and performa
OceanFirst Financial to Acquire Ocean Financial Corp. — 8-K · Jul 18, 2024 Risk: medium
OceanFirst Financial Corp. announced on July 18, 2024, that it has entered into a definitive agreement to acquire Ocean Financial Corp. The transaction is expec
OceanFirst Financial Corp. Schedules Shareholder Vote for Merger — 8-K · May 28, 2024 Risk: medium
OceanFirst Financial Corp. announced on May 21, 2024, that it has scheduled a special meeting of its stockholders for June 20, 2024. The primary purpose of this
OceanFirst Financial Corp. to Acquire OceanFirst Bank N.A. — 8-K · May 17, 2024 Risk: low
OceanFirst Financial Corp. announced on May 17, 2024, that it has entered into a definitive agreement to acquire OceanFirst Bank N.A. from OceanFirst Financial
OceanFirst Financial Corp. Files 10-Q for Period Ending March 31, 2024 — 10-Q · May 2, 2024 Risk: low
OCEANFIRST FINANCIAL CORP (OCFC) filed a Quarterly Report (10-Q) with the SEC on May 2, 2024. OceanFirst Financial Corp. filed its 10-Q report for the quarterly
OceanFirst Financial Completes Ocean Financial Acquisition — 8-K · Apr 18, 2024 Risk: low
OceanFirst Financial Corp. announced on April 18, 2024, that it has completed its previously announced acquisition of Ocean Financial Corp. The transaction was
OceanFirst Financial Corp. Files Definitive Proxy Statement — DEF 14A · Apr 11, 2024 Risk:
OCEANFIRST FINANCIAL CORP (OCFC) filed a Proxy Statement (DEF 14A) with the SEC on April 11, 2024. OceanFirst Financial Corp. filed a Definitive Proxy Statement
OceanFirst Financial Corp. Files 2023 Annual Report on Form 10-K — 10-K · Feb 23, 2024 Risk: medium
OCEANFIRST FINANCIAL CORP (OCFC) filed a Annual Report (10-K) with the SEC on February 23, 2024. OceanFirst Financial Corp. filed its 2023 Form 10-K on February
OCEANFIRST FINANCIAL CORP Files 8-K on Feb 14 — 8-K · Feb 14, 2024 Risk: low
OCEANFIRST FINANCIAL CORP filed an 8-K on February 14, 2024, reporting an event that occurred on the same date. The filing indicates disclosures under Regulatio
Vanguard Amends OceanFirst Financial Stake to 7.4% — SC 13G/A · Feb 13, 2024 Risk: low
The Vanguard Group, a major investment firm, filed an amended SC 13G/A on February 13, 2024, disclosing its ownership in OceanFirst Financial Corp. As of Decemb
Dimensional Fund Advisors Amends OceanFirst Financial Stake — SC 13G/A · Feb 9, 2024 Risk: low
Dimensional Fund Advisors LP, a Delaware Limited Partnership, filed an amended SC 13G/A on February 9, 2024, indicating a change in their beneficial ownership o
OCEANFIRST FINANCIAL CORP. Updates Principal Office Address — 8-K · Jan 26, 2024
OCEANFIRST FINANCIAL CORP. filed an 8-K on January 26, 2024, to update its principal executive offices from 975 Hooper Ave, Toms River, NJ to 110 West Front Str
BlackRock Amends OCEANFIRST FINANCIAL CORP Stake (13G/A) — SC 13G/A · Jan 23, 2024
BlackRock Inc. filed an amended SC 13G/A on January 23, 2024, indicating a change in its ownership of OCEANFIRST FINANCIAL CORP's common stock as of December 31
OCEANFIRST FINANCIAL CORP. Files 8-K on Operations & Financial Condition — 8-K · Jan 18, 2024
OCEANFIRST FINANCIAL CORP. filed an 8-K on January 18, 2024, to report on its results of operations and financial condition, along with other events and disclos

Risk Profile

Risk Assessment: Of OCFC's 31 recent filings, 0 were flagged as high-risk, 11 as medium-risk, and 20 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Oceanfirst Financial CORP's most recent 10-Q filing (Nov 4, 2025):

Revenue: $102.9M
Net Income: $17.3M
EPS: $0.30
Debt-to-Equity: N/A
Cash Position: N/A
Operating Margin: N/A
Total Assets: $14.32B
Total Debt: N/A

Industry Context

The banking sector continues to navigate a complex environment characterized by evolving interest rate policies, increasing competition, and ongoing digital transformation. Banks are focused on managing credit risk, optimizing operational efficiency through technology and strategic initiatives like outsourcing, and maintaining strong capital adequacy ratios.

Top Tags

acquisition (11) · financials (9) · merger (6) · corporate-governance (4) · financial-reporting (3) · corporate-action (3) · 10-Q (3) · quarterly-report (3) · institutional-ownership (3) · amendment (3)

Key Numbers

Net Income: $17.3M — Decreased from $25.1M in Q3 2024
Diluted EPS: $0.30 — Decreased from $0.42 in Q3 2024
Total Assets: $14.32B — Increased by $903.4M from $13.42B at Dec 31, 2024
Loans Receivable, Net: $10.56B — Increased by $439.9M from $10.12B at Dec 31, 2024
Non-performing Loans: $41.26M — Increased from $28.14M in Q3 2024
Non-performing loans as a percent of total loans: 0.39% — Increased from 0.28% in Q3 2024
Restructuring Charges: $4.1M — Incurred in Q3 2025 due to residential outsourcing
Workforce Reduction: 11% — Anticipated from residential outsourcing initiative
Annual Expense Savings: $14M — Anticipated from residential outsourcing initiative
Common Equity Tier One Capital Ratio: 10.6% — Declined due to loan growth and stock repurchases
Report Date: 20251022 — Date of the 8-K filing and earliest event reported.
Fiscal Year End: 1231 — Indicates the end of the company's fiscal year.
SEC File Number: 001-11713 — Identifies the company's filing with the SEC
IRS Employer Identification No.: 22-3412577 — Company's tax identification number
Q2 2025 Net Income: $25.3M — Decreased from $28.7M in Q2 2024, indicating profitability pressure.

Forward-Looking Statements

{"claim":"Vanguard will likely maintain a significant, passive stake in OceanFirst Financial Corp. for the foreseeable future.","entity":"The Vanguard Group","targetDate":"2025-12-31","confidence":"high"}

Related Companies

OFC · PFSI · BANC · OFFC

Frequently Asked Questions

What are the latest SEC filings for Oceanfirst Financial CORP (OCFC)?

Oceanfirst Financial CORP has 36 recent SEC filings from Jan 2024 to Dec 2025, including 23 8-K, 6 10-Q, 3 SC 13G/A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of OCFC filings?

Across 36 filings, the sentiment breakdown is: 1 bearish, 33 neutral, 2 mixed. The dominant sentiment is neutral.

Where can I find Oceanfirst Financial CORP SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Oceanfirst Financial CORP (OCFC) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Oceanfirst Financial CORP?

Key financial highlights from Oceanfirst Financial CORP's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for OCFC?

The investment thesis for OCFC includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Oceanfirst Financial CORP?

Executive information for Oceanfirst Financial CORP is extracted from SEC filings as they are enriched with AI analysis.

What are the main risk factors for Oceanfirst Financial CORP stock?

Of OCFC's 31 assessed filings, 0 were flagged high-risk, 11 medium-risk, and 20 low-risk.

What are recent predictions and forward guidance from Oceanfirst Financial CORP?

Recent forward-looking statements from Oceanfirst Financial CORP include guidance on {"claim":"Vanguard will likely maintain a significant, passive stake in OceanFirst Financial Corp. for the foreseeable f.