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OceanFirst Financial Corp. is combining with Flushing Financial Corporation in an all-stock merger valued at about $579 million, based on OceanFirst’s $19.76 share price. Flushing stockholders will receive 0.85 shares of OceanFirst common stock for each Flushing share. Concurrently, affiliates of Warburg Pincus will invest $225 million in newly issued OceanFirst equity, including approximately 9.7 million common shares, non‑voting common‑equivalent shares representing about 1.7 million shares, and a seven‑year warrant for non‑voting stock economically equivalent to roughly 11.4 million shares with a $30.00 trigger price.
After closing, the combined bank is expected to have about $23 billion in assets, $17 billion in loans and $18 billion in deposits across 71 branches, with ownership split roughly 58% existing OceanFirst holders, 30% former Flushing holders and 12% Warburg Pincus. The companies project approximately 16% EPS accretion by 2027, about 6% tangible book value dilution with a roughly three‑year earnback, and stronger profitability metrics such as higher return on tangible common equity and net interest margin, subject to shareholder and regulatory approvals.
OceanFirst Financial Corp. has entered into a definitive merger agreement with Flushing Financial Corporation. A wholly owned OceanFirst subsidiary will first merge into Flushing, followed by Flushing merging into OceanFirst, and then Flushing Bank will merge into OceanFirst’s bank subsidiary, with the OceanFirst entities surviving each step.
In connection with the proposed merger, affiliates of funds managed by Warburg Pincus LLC agreed to invest $225 million in OceanFirst. Warburg will purchase OceanFirst common stock at $19.76 per share, including approximately 9.7 million common shares and non-voting, common-equivalent stock representing the economic equivalent of approximately 1.7 million shares, and will receive a seven‑year warrant for non-voting stock representing the economic equivalent of approximately 11.4 million shares. The warrants are exercisable based on specified conditions, including when OceanFirst’s share price reaches or exceeds $30 per share or in certain change of control transactions.
OceanFirst Financial Corp. (OCFC) director reported an inherited share acquisition on a Form 4. On 10/29/2025, the reporting person acquired 56,000 shares of common stock at $0 under transaction code W, held indirectly by an IRA.
Following the reported transaction, beneficial ownership includes: 56,000 shares indirect by IRA; 180,195 shares direct; 72,800 shares indirect by corporation; 24,000 shares indirect by son A; 24,000 shares indirect by daughter; and 20,000 shares indirect by son B. The direct total includes shares of restricted common stock that have not yet vested.
OceanFirst Financial Corp. (OCFC) reported Q3 2025 results with solid balance-sheet expansion and margin stability. Total assets were $14.32 billion, loans receivable (net) reached $10.49 billion, and deposits were $10.44 billion. Net interest income rose to $90.7 million, and diluted EPS was $0.30. Net interest margin held at 2.91% while the net interest rate spread was 2.36%.
Growth and mix shifted: loans increased $372.9 million quarter over quarter, including $219.1 million in commercial and industrial growth; commercial originations were $739.2 million and the commercial pipeline stood at $710.9 million. Deposits increased from $10.23 billion to $10.44 billion; excluding $117.7 million of brokered runoff, deposits rose $321.2 million. The loan‑to‑deposit ratio was 101.2%.
Expenses and strategy: operating expenses of $76.3 million included $4.1 million in restructuring charges tied to outsourcing residential originations and title, with an anticipated 11% workforce reduction and expected annual expense savings of $14 million starting in 2026. Asset quality remained stable: non‑performing loans were $41.3 million (0.39% of total), and the allowance covered 196.87% of NPLs. CET1 at the Company was 10.56%. A $0.20 common dividend was declared.
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
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