Welcome to our dedicated page for Oceanfirst Finl SEC filings (Ticker: OCFC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
OceanFirst Financial Corp (NASDAQ: OCFC) files a range of documents with the U.S. Securities and Exchange Commission that provide insight into its operations as a savings institution and regional bank holding company. This page aggregates those SEC filings and pairs them with AI-powered tools to help interpret the technical language that often appears in banking disclosures.
Investors researching OCFC can use this resource to access current reports on Form 8-K, where OceanFirst discloses material events such as quarterly earnings results, investor presentations, debt offerings, and merger-related announcements. For example, the company has used Form 8-K to describe the pricing and terms of its Fixed-to-Floating Rate Subordinated Notes due 2035, the intended use of proceeds, and the structure of its definitive merger agreement with Flushing Financial Corporation and related investment agreement with affiliates of funds managed by Warburg Pincus LLC.
In addition to 8-Ks, users can locate OceanFirst’s annual reports on Form 10-K and quarterly reports on Form 10-Q through the SEC system. These filings typically contain detailed discussions of loan and deposit portfolios, interest income, credit loss provisions, capital ratios, and risk factors relevant to a regional banking organization. Proxy materials and other filings can also provide information on governance and shareholder matters.
Stock Titan’s platform enhances these filings with AI-generated summaries that highlight key points, explain complex sections in simpler terms, and help readers quickly identify items such as new debt issuances, dividend declarations, or merger conditions. Users interested in insider activity can also review Form 4 and related ownership filings available through EDGAR to see reported transactions by directors and officers.
By combining real-time access to OceanFirst’s SEC reports with AI explanations, this page helps investors, analysts, and researchers understand how OCFC describes its financial condition, strategic transactions, and regulatory disclosures over time.
Wellington Management Group LLP and affiliated entities have filed a Schedule 13G disclosing a significant passive stake in OceanFirst Financial Corp. common stock. They report beneficial ownership of 3,265,615 shares, representing about 5.7% of the outstanding class.
The filing shows shared voting power over 3,124,308 shares and shared dispositive power over up to 3,265,615 shares, with no sole voting or dispositive power. The securities are owned of record by advisory clients of Wellington’s investment adviser subsidiaries, and no single client is said to hold more than five percent of the class. The group certifies the holdings are in the ordinary course of business and not for the purpose of changing or influencing control of OceanFirst.
OceanFirst Financial Corp. plans to merge with Flushing Financial Corporation in an all‑stock transaction. Flushing stockholders will receive 0.85 share of OceanFirst common stock for each Flushing share, plus cash instead of fractional shares.
The combined regional bank is expected to have about $23 billion in assets, $17 billion in loans and $18 billion in deposits across 71 branches in New Jersey, Long Island and New York. Concurrently, affiliates of Warburg Pincus will invest $225 million for OceanFirst common and non‑voting common‑equivalent stock and a seven‑year warrant economically equivalent to about 11.4 million common shares.
After closing, OceanFirst stockholders are expected to own roughly 58% of the combined company, Flushing stockholders about 30%, and Warburg about 12%. Both companies’ boards unanimously recommend their stockholders vote in favor of the required proposals at special meetings.
OceanFirst Financial Corp. filed a current report to share that it will present to current and prospective investors after January 29, 2026. The company has prepared an investor presentation, attached as Exhibit 99.1, and plans to post it on its website.
The disclosure is made under Regulation FD, and the report states that the information is being furnished to the SEC rather than deemed filed, which affects how it is treated for certain legal and liability purposes.
OceanFirst Financial Corp. announced its financial results for the quarter ended December 31, 2025 and shared the information in a press release furnished to the SEC. The company also prepared an investor presentation that will be used in meetings with current and prospective investors and posted on its website.
In connection with these updates, the Board of Directors declared a regular quarterly cash dividend of $0.20 per share on OceanFirst’s common stock. The dividend is payable on February 13, 2026 to stockholders of record as of the close of business on February 2, 2026, continuing the company’s practice of returning cash to shareholders.
OceanFirst Financial Corp. filed a current report describing several shareholder updates. The company issued a press release announcing its financial results for the quarter ended December 31, 2025, and furnished this release to regulators as an exhibit rather than formally filing it. OceanFirst also prepared an investor presentation that it will use in meetings with current and prospective investors and will post on its website.
In addition, the Board of Directors declared a regular quarterly cash dividend of $0.20 per share on the company’s common stock. This dividend is payable on February 13, 2026 to shareholders of record as of the close of business on February 2, 2026. The filing highlights ongoing communication with investors and the continuation of the company’s cash dividend program.
BlackRock Portfolio Management LLC filed an amended Schedule 13G to report its passive ownership in OceanFirst Financial Corp. common stock as of 12/31/2025. The firm reports beneficial ownership of 2,753,229 shares, representing 4.8% of OceanFirst’s common stock. It has sole power to vote 2,521,743 of those shares and sole power to dispose of all 2,753,229 shares, with no shared voting or dispositive power.
The filing states the shares are held in the ordinary course of business and not for the purpose of changing or influencing control of OceanFirst. It also notes that various underlying persons have rights to dividends or sale proceeds from these shares, but no single person has an interest in more than five percent of the total outstanding common stock.
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.