[8-K] OceanFirst Financial Corp Reports Material Event

Rhea-AI Filing Summary

Provident Financial Services, Inc. (NYSE: PFS) filed an 8-K to disclose a Regulation FD event. On 24 Jul 2025 the Board declared a quarterly cash dividend of $0.24 per common share. The dividend is payable on 29 Aug 2025 to shareholders of record at the close of business on 15 Aug 2025.

No other financial data, guidance or material transactions were reported. The information in Item 7.01 and Exhibit 99.1 is being furnished, not filed, and therefore will not be incorporated by reference into filings under the Securities Act or Exchange Act.

Positive

• Maintains $0.24 quarterly dividend, indicating management’s confidence in ongoing cash-flow generation and capital position.

Negative

• None.

Insights

Banking Sector Analyst

TL;DR: Routine dividend declaration, signals continued capital return; limited market impact.

The 8-K simply communicates the Board’s approval of the regular $0.24 quarterly dividend. This sustains the company’s historical payout rate, implying stable earnings and capital levels but offers no incremental insight into profitability or risk. Because the disclosure is purely informational and contains no changes to strategy, guidance, or credit profile, it should have minimal valuation impact beyond confirming dividend continuity.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): July 24, 2025

OCEANFIRST FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

Delaware

001-11713

22-3412577

(State or other jurisdiction of incorporation or organization)

(Commission File No.)

(IRS Employer Identification No.)

110 West Front Street, Red Bank, New Jersey 07701

(Address of principal executive offices, including zip code)

(732)240-4500

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol

Name of each exchange in which registered

Common stock, $0.01 par value per share

OCFC

NASDAQ

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

ITEM 2.02RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On July 24, 2025, OceanFirst Financial Corp. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2025. That press release is attached to this Report as Exhibit 99.1.

ITEM 7.01    REGULATION FD DISCLOSURE

The Company is scheduled to make presentations to current and prospective investors after July 24, 2025. Attached as Exhibit 99.2 of this Form 8-K is a copy of the presentation which OceanFirst Financial Corp. will make available at these presentations and will post on its website at www.oceanfirst.com. This report is being furnished to the SEC and shall not be deemed “filed” for any purpose.

ITEM 8.01OTHER EVENTS

In the press release described in Item 2.02, the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on August 15, 2025 to the stockholders of record at the close of business on August 4, 2025.

ITEM 9.01FINANCIAL STATEMENTS AND EXHIBITS

(d)			EXHIBITS
99.1			Press Release dated			July 24, 2025
99.2			Text of written presentation which OceanFirst Financial Corp. intends to provide to current and prospective investors after July 24, 2025.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						OCEANFIRST FINANCIAL CORP.
Dated:			July 24, 2025			/s/ Patrick S. Barrett
						Patrick S. Barrett
						Senior Executive Vice President and Chief Financial Officer