[Form 4] OCEANFIRST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

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.

Insights

Insider transactions & governance analyst

Inheritance drove a non-cash increase in indirect holdings; neutral event.

The filing shows a director received 56,000 OCFC shares at $0 on 10/29/2025 via code W, which denotes acquisition by will or inheritance. The shares are held indirectly in an IRA, aligning with the note that they were inherited.

This is an ownership reallocation rather than a market transaction, so it does not signal buying or selling interest. Post-transaction positions are detailed across direct and multiple indirect accounts, with the direct balance of 180,195 including unvested restricted stock. Actual impact on float or trading is not indicated by this non-cash transfer.

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^*

Murphy Joseph M. Jr.

(Last) (First) (Middle)

110 WEST FRONT STREET

(Street)

RED BANK NJ 08053

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
10/29/2025

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	10/29/2025		W		56,000	A	$0	56,000	I(1)	By IRA
Common Stock								180,195	D(2)
Common Stock								72,800	I	By Corporation
Common Stock								24,000	I	By Son A
Common Stock								24,000	I	By Daughter
Common Stock								20,000	I	By Son B

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

Explanation of Responses:

1. Represents shares held in IRA inherited by Mr. Murphy.

2. Total includes shares of restricted common stock that have not yet vested.

Remarks:

	/s/ Steven J. Tsimbinos, Power of Attorney	11/14/2025
	** 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.

FAQ

What did OCFC's director report on this Form 4?

An inherited acquisition of 56,000 OCFC common shares at $0 on 10/29/2025, held indirectly by an IRA under code W.

What does transaction code W indicate for OCFC (OCFC)?

Code W indicates acquisition or disposition by will or laws of descent; the notes state the shares were inherited.

How many OCFC shares does the director hold directly after the transaction?

Direct beneficial ownership is 180,195 shares, which includes restricted shares that have not yet vested.

What indirect OCFC holdings are reported after the transaction?

Indirect holdings include 56,000 by IRA, 72,800 by corporation, 24,000 by son A, 24,000 by daughter, and 20,000 by son B.

Was there a purchase price for the inherited OCFC shares?

No. The reported price is $0, consistent with a non-cash inheritance noted in the filing.

Does the filing mention unvested restricted stock?

Yes. It states the direct total includes shares of restricted common stock that have not yet vested.