OCFC executive has 4,629 shares withheld for taxes

OCEANFIRST FINANCIAL CORP executive Michele B. Estep had 4,629 shares of common stock withheld on tax-withholding disposition at $18.58 per share to cover taxes on restricted stock vesting.

Rhea-AI Filing Summary

OCEANFIRST FINANCIAL CORP executive Michele B. Estep had 4,629 shares of common stock withheld on tax-withholding disposition at $18.58 per share to cover taxes on restricted stock vesting. The footnote states no shares were sold. Estep now directly holds 177,682 common shares, plus indirect ownership of 3,980 shares through an ESOP and stock options for 50,335 and 76,790 shares.

Insider Trade Summary

Exercise Price or Tax Liability: 4,629 shares

Exercise Price or Tax Liability 4 txns

Insider ESTEP MICHELE B

Role Insider

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	4,629	$18.58	$86K
holding	Stock Option (right to buy)	--	--	--
holding	Stock Option (right to buy)	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 177,682 shares (Direct); Stock Option (right to buy) — 127,125 contracts (Direct); Common Stock — 3,980 shares (Indirect, By ESOP)

Footnotes (1)

1. F1. The reported shares were withheld to satisfy the tax liability in connection with the vesting of restricted stock. No shares were sold. Total includes unvested restricted stock.

FAQ

What insider transaction did OCFC executive Michele B. Estep report?

Michele B. Estep reported a tax-withholding disposition of 4,629 shares of OceanFirst Financial Corp common stock. The shares were withheld to satisfy tax liabilities from restricted stock vesting, and the footnote clarifies that no shares were actually sold in the market.

At what price were Michele B. Estep’s OCFC shares withheld for taxes?

The 4,629 OceanFirst Financial Corp common shares were withheld at $18.58 per share. This withholding covered Estep’s tax liability arising from the vesting of restricted stock, with the filing explicitly noting that these were not open-market sales of shares.

How many OCFC common shares does Michele B. Estep own after the transaction?

After the tax-withholding disposition, Michele B. Estep directly owns 177,682 shares of OceanFirst Financial Corp common stock. This total reflects the impact of the shares withheld for taxes and includes both vested and unvested restricted stock as indicated in the footnote.

Does the OCFC Form 4 disclose any market sale by Michele B. Estep?

The Form 4 states that no shares were sold by Michele B. Estep. The 4,629 shares of OceanFirst Financial common stock were withheld solely to satisfy tax liabilities tied to restricted stock vesting, according to the explanatory footnote included in the filing.

What indirect OCFC share ownership does Michele B. Estep report?

Michele B. Estep reports indirect ownership of 3,980 OceanFirst Financial Corp common shares through an ESOP. This ESOP position is separate from her directly held shares and is classified as indirect ownership in the filing’s ownership details section.

What stock option holdings does Michele B. Estep have in OCFC?

The filing shows two OceanFirst Financial Corp stock option positions for Michele B. Estep. Following the reported date, she holds stock options covering 50,335 shares and an additional 76,790 shares, both listed as directly owned derivative securities in the report.

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Accepted by SEC EDGAR 03/06/2026 - 02:59 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

ESTEP MICHELE B

(Last) (First) (Middle)

110 WEST FRONT STREET

(Street)

RED BANK NJ 07701

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
OCEANFIRST FINANCIAL CORP [ OCFC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
	Officer (give title below)	X	Other (specify below)
			SEVP & CAO, OceanFirst Bank

3. Date of Earliest Transaction (Month/Day/Year)
03/04/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/04/2026		F		4,629	D	$18.58	177,682	D(1)
Common Stock								3,980	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (right to buy)	$25.2							03/01/2020	03/01/2029	Common Stock	50,335		50,335	D
Stock Option (right to buy)	$20.44							03/01/2021	02/28/2030	Common Stock	76,790		76,790	D

Explanation of Responses:

1. The reported shares were withheld to satisfy the tax liability in connection with the vesting of restricted stock. No shares were sold. Total includes unvested restricted stock.

Remarks:

	/s/ Steven J. Tsimbinos, Power of Attorney	03/06/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.