Every 8-K that Oceanfirst Finl Corp (OCFC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow OCFC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OCFC filings page.
OceanFirst Financial Corp. reported a GAAP net loss of $3.0 million, or $(0.04) per diluted share, for the quarter ended June 30, 2026, compared with net income available to common stockholders of $16.2 million, or $0.28 per share, a year earlier and $20.5 million, or $0.36, in the prior quarter. Results were heavily affected by $42.8 million of non-recurring merger-related expenses from the acquisition of Flushing Financial Corporation, equal to about $0.48 per share after tax, which pushed the GAAP efficiency ratio to 98.88%.
Underlying performance was stronger: non-GAAP core earnings were $30.5 million, or $0.43 per diluted share, up from $17.7 million, or $0.31, a year earlier, and core pre-tax, pre-provision earnings rose to $44.5 million. Net interest income increased to $120.7 million and net interest margin expanded to 3.05% from 2.93% in the prior quarter, aided by the Flushing acquisition and organic commercial growth.
On June 1, 2026, OceanFirst completed the Flushing acquisition, adding $8.69 billion of assets, $6.19 billion of loans, $7.44 billion of deposits and 30 branches, and closed a $225 million strategic equity investment from Warburg Pincus. The company sold $1.31 billion of multifamily loans from Flushing at 92.25% of par and reinvested roughly $1.20 billion of proceeds into highly liquid investment-grade securities, reducing the regulatory commercial real estate concentration to 381%, lifting on-hand liquidity to 11.5% of assets and lowering the loan-to-deposit ratio to 91.60%. Asset quality remained controlled, with net loan charge-offs of $1.5 million, or 0.05% of average loans, and the allowance for loan credit losses increased to 1.29% of total loans. Capital stayed above “well-capitalized” levels, including an estimated common equity tier 1 ratio of 10.7%, while book value per common share declined to $24.50 and tangible book value per share to $18.19 following the merger and equity issuance. The board declared its 118th consecutive quarterly dividend of $0.20 per share, payable August 21, 2026 to stockholders of record on August 10, 2026.
OceanFirst Financial Corp. filed an amendment to a current report to correct a figure related to a loan transaction. The company clarified that the amount of loan collateral with rent-regulated exposure sold, as referenced in an attached press release, was $836 million rather than $736 million. No other aspects of the original report were changed.
OceanFirst Financial Corp. has completed the previously announced sale of $1.3 billion of multifamily loans, largely in the New York City area and mostly subject to rent regulations. The more than 1,400 loans were originated by Flushing Bank and came onto the balance sheet through OceanFirst’s June 1, 2026 merger with Flushing Financial Corporation.
The sold portfolio included loan collateral with rent‑regulated exposure of $736 million. Following the transaction, OceanFirst states that loans with more than 50% rent‑regulated units now represent less than 2.5% of total assets, reducing the company’s exposure to rent regulation risk. Management characterizes this as part of a broader balance sheet repositioning, with more detail to be provided in the second quarter earnings release and conference call.
OceanFirst Financial Corp. announced that OceanFirst Bank N.A. has agreed to sell $1.4 billion of multifamily loans, representing most of the multifamily portfolio it acquired in the recent Flushing Financial Corporation acquisition that closed on June 1, 2026.
The sale will reduce the Bank’s Commercial Real Estate concentration by $1.4 billion and remove most exposure to rent-regulated properties in New York City. Proceeds are expected to be reinvested into highly liquid, investment-grade securities with average yields similar to the loans being sold, as part of a broader balance sheet repositioning strategy.
OceanFirst Financial Corp. completed its merger with Flushing Financial Corporation and closed a concurrent $225 million strategic investment from Warburg Pincus. Flushing shareholders received 0.85 shares of OceanFirst common stock per Flushing share, with total merger consideration estimated at about $560.9 million and approximately 29.30 million OceanFirst shares issuable as stock consideration.
Warburg purchased about 9.5 million OceanFirst common shares and 1,812 shares of non-voting, common-equivalent stock for $225 million, and received a seven-year warrant to buy about 11.4 million additional NVCE shares at $19,760 per share. Pro forma, OceanFirst estimates about 96.7 million common shares outstanding after closing and reports combined assets of roughly $23.5 billion as of March 31, 2026. Pro forma net income was $29.3 million for the three months ended March 31, 2026 and $96.4 million for 2025, with basic earnings per share of $0.30 and $0.94, respectively.
OceanFirst Financial Corp. reported results of its 2026 Annual Meeting of Stockholders held on May 27, 2026. Stockholders elected thirteen directors for one-year terms, with each nominee receiving over 43.6 million votes in favor and substantial broker non-votes recorded separately.
Stockholders approved on an advisory, non-binding basis the compensation of the company’s named executive officers, with 42.5 million shares voted for and 1.8 million against. They also approved the OceanFirst Financial Corp. 2026 Stock Incentive Plan, which will govern future equity-based awards. In addition, stockholders ratified the appointment of Deloitte & Touche LLP as independent registered public accounting firm for the fiscal year ending December 31, 2026, with 49.5 million shares voted for.
OceanFirst Financial Corp. furnished an investor presentation outlining its Q1 2026 results and outlook. Core diluted EPS was $0.43, with net interest income of $96 million and a net interest margin of 2.93%, reflecting continued interest-earning asset growth.
Total loans reached $11.1 billion, rising by $92 million in the quarter, led by strong commercial and industrial originations and a $418 million pipeline. Asset quality remained solid, with non-performing loans at 0.26% of loans and criticized loans at 1.53% of total loans. The allowance plus credit marks covered 0.81% of total loans.
Core profitability metrics included core ROAA of 0.68% and core ROTCE of 8.56%. The CET1 ratio was 10.7%, and tangible common equity to tangible assets was 8.15%. Management’s 2026 outlook for the standalone bank calls for 7–9% loan growth, NIM above 3.00%, and a strong CET1 ratio above 10.5%. The previously announced merger with Flushing Financial Corporation has received certain regulatory and shareholder approvals and remains subject to Federal Reserve approval and customary closing conditions.
OceanFirst Financial Corp. announced that all required regulatory and shareholder approvals have been received to proceed with its merger with Flushing Financial Corporation. The Federal Reserve approved the deal on April 24, 2026, following approvals from New York’s banking regulator on March 23, 2026 and the OCC on April 6, 2026. Both companies’ shareholders approved the transaction on April 2, 2026, and the merger is expected to close no later than June 1, 2026, subject to remaining customary conditions. OceanFirst also set its 2026 virtual annual stockholder meeting for May 27, 2026 at 8:00 a.m. Eastern Time, with a record date of April 2, 2026 for voting eligibility.
OceanFirst Financial Corp. reported solid first quarter 2026 results with higher profitability, stable credit quality, and progress on its pending merger. Net income available to common stockholders was $20.5 million, or $0.36 per diluted share, unchanged from a year ago but up from $13.1 million in the prior quarter.
Core earnings were stronger at $24.3 million, or $0.43 per diluted share, and core pre-tax, pre-provision earnings reached $34.4 million, reflecting expense discipline and non-core merger and restructuring costs. Net interest income rose to $96.4 million and net interest margin improved to 2.93%, helped by lower funding costs and modest loan growth.
Total loans increased to $11.12 billion, driven by commercial and industrial growth, while deposits rose to $11.16 billion and the loan-to-deposit ratio eased to 99.7%. Non-performing loans increased to $34.6 million but remained low relative to total loans, and net charge-offs were $0.7 million. Capital levels stayed robust, with an estimated common equity tier 1 ratio of 10.7% and tangible common equity of $1.14 billion. The company declared a $0.20 per-share quarterly dividend and reiterated expectations to close its approved merger with Flushing Financial Corporation in the second quarter of 2026, subject to remaining Federal Reserve approval and customary conditions.
OceanFirst Financial Corp. announced that its Board of Directors has declared a regular quarterly cash dividend of $0.20 per share on its common stock. The dividend will be paid on May 8, 2026 to stockholders of record as of April 27, 2026.
The company’s subsidiary, OceanFirst Bank N.A., founded in 1902, operates as a regional bank providing commercial and residential financing, treasury management, trust and asset management, and deposit services across New Jersey and major metropolitan areas from Massachusetts through Virginia.
OceanFirst Financial Corp. stockholders approved key share issuances for its pending merger with Flushing Financial Corporation and a related Warburg Pincus investment. The issuance proposal received 42,020,260 votes for, 2,526,694 against and 176,895 abstentions out of 44,723,849 shares represented.
Stockholders did not approve an amendment to OceanFirst’s Certificate of Incorporation that would have exempted Warburg and its affiliates from a charter provision, with 18,408,853 votes for and 26,148,179 against. Separately, New York’s banking regulator and the Office of the Comptroller of the Currency have approved the transaction, while Federal Reserve approval and other customary closing conditions are still required.
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. 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.
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. 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. (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 October 22, 2025.
The Board declared a regular quarterly cash dividend of $0.20 per share. The dividend is payable on November 14, 2025 to stockholders of record as of the close of business on November 3, 2025. The investor presentation will also be posted on the company’s website.
OceanFirst Financial Corp. filed a current report describing upcoming investor presentations scheduled after September 2, 2025. The company has prepared a written investor presentation, which is attached as Exhibit 99.1 and will also be posted on its website at www.oceanfirst.com. The materials are being provided under Regulation FD to share information with current and prospective investors, and the report states that this information is being furnished to the SEC rather than filed for liability purposes.