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OceanFirst Financial Corp. entered into an underwriting agreement and issued $185,000,000 of 6.375% Fixed‑to‑Floating Rate Subordinated Notes due 2035 at 100% of principal. The offering closed October 29, 2025, generating approximately $181.9 million in net proceeds after a 1.25% underwriting discount and estimated expenses.
The company plans to use proceeds to repay existing indebtedness, including redeeming in full its 5.25% Fixed‑to‑Floating Rate Subordinated Notes due May 15, 2030, of which $125.0 million is outstanding, and to support growth initiatives at subsidiaries and for general corporate purposes.
The Notes pay a fixed 6.375% interest rate semi‑annually until November 15, 2030, then float at Three‑Month Term SOFR plus 307.5 bps, payable quarterly, and mature on November 15, 2035. The Notes are redeemable, at the company’s option, beginning November 15, 2030 on interest payment dates, or earlier upon specified events defined in the Indenture.
OceanFirst Financial Corp. is offering $185,000,000 aggregate principal amount of 6.375% fixed‑to‑floating rate subordinated notes due November 15, 2035. Interest is 6.375% per year through November 15, 2030, then a floating rate equal to the Benchmark (expected Three‑Month Term SOFR) plus 307.5 bps, with interest paid semi‑annually during the fixed period and quarterly thereafter. The notes are redeemable at par, plus accrued interest, beginning November 15, 2030 and upon certain events, subject to Federal Reserve approval.
The public offering price is 100.00%, the underwriting discount is 1.25%, and proceeds before expenses are $182,687,500. OceanFirst estimates net proceeds of approximately $181.9 million and intends to use them to repay existing indebtedness, including redeeming in full $125.0 million principal amount of its 2030 Notes, and to support growth initiatives and general corporate purposes. The notes are unsecured, subordinated obligations of OceanFirst, structurally subordinated to subsidiary liabilities, not FDIC insured, and will not be listed on an exchange.
OceanFirst Financial Corp. filed a preliminary prospectus supplement for a primary offering of fixed‑to‑floating rate subordinated notes due 2035. The notes will be issued in $1,000 minimum denominations, rank junior to senior debt, and will not be listed. Interest is fixed until 2030, then floats at a Benchmark rate expected to be Three‑Month Term SOFR plus a spread, with a zero floor. The notes are redeemable at par beginning in 2030 on interest payment dates and earlier upon specified events, in each case subject to Federal Reserve approval.
OceanFirst intends to use net proceeds to repay existing indebtedness, including redeeming in full its 2030 notes with $125.0 million outstanding, and to support subsidiary growth and general corporate purposes. Unaudited preliminary results show Q3 2025 net income of $17.33 million and nine‑month 2025 net income of $57.89 million. The company recorded $4.1 million in Q3 restructuring charges tied to outsourcing residential lending origination and title, expects about $8 million more in Q4 2025, and targets annual expense savings of $14 million starting in 2026. A quarterly common dividend of $0.20 per share is payable on November 14, 2025 to holders of record on November 3, 2025.
OceanFirst Financial Corp. (OCFC) furnished an investor presentation via an 8-K under Item 7.01. The company is scheduled to present to current and prospective investors on or after October 23, 2025, and has made the presentation available as Exhibit 99.1.
The materials are for informational purposes only and do not constitute an offer to sell or solicit the purchase of securities. The information is being furnished, not filed, and is not subject to Section 18 liability or incorporated by reference unless expressly stated.
OceanFirst Financial Corp. (OCFC) announced quarterly results and a dividend. The company released its financial results for the quarter ended September 30, 2025 and will share an investor presentation with current and prospective investors after
The Board declared a regular quarterly cash dividend of
OceanFirst Financial Corp. (OCFC) Q2-25 10-Q highlights
For the quarter ended 30-Jun-25, net income available to common shareholders fell 31% YoY to $16.2 million and diluted EPS declined to $0.28 (vs. $0.40), driven by a $12.9 million jump in operating expense and a $1.8 million loss on redemption of preferred stock. Net interest income rose 6.5% to $87.6 million as the net interest margin expanded 20 bp to 2.91%; total interest-earning asset yield slipped 11 bp but the total cost of deposits improved 31 bp to 2.06%.
Balance sheet: Total assets were $13.33 billion (–$93 million YTD). Loans grew $59.8 million in the quarter to $10.12 billion, while deposits increased $55.4 million to $10.23 billion, keeping the loan-to-deposit ratio at 99.5%. The commercial loan pipeline reached a record $790.8 million. Book value per share declined $0.63 to $28.64 after repurchasing 1.0 million shares and redeeming all Series A preferred stock ($57.4 million).
Credit & capital: Non-performing loans were stable at 0.33% of loans; the allowance stands at 0.78% of loans (236.5% of NPLs). CET1 fell to 10.99% but remains well above the 7% regulatory requirement. Liquidity plus contingent funding totals $3.5 billion, equal to 199% of adjusted uninsured deposits.
- Efficiency ratio worsened to 71.9% (62.9% LY) on higher compensation, professional fees and data processing costs.
- Quarterly common dividend maintained at $0.20; payout ratio 71.4%.
Management emphasizes loan growth, Premier Banking launch ($115 million new deposits) and a new 3.0 million-share repurchase authorization announced 16-Jul-25.
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