Page 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , DC 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 or 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Commission file number : 001-11713 OceanFirst Financial Corp. ( Exact name of registrant as specified in its charter ) Delaware ( State or other jurisdiction of incorporation or organization ) to Title of each class Common stock , $ 0.01 par value per share Depositary Shares ( each representing a 1 / 40th interest in a share of 7.0 % Series A Non - Cumulative , perpetual preferred stock ) 110 West Front Street , Red Bank , New Jersey 07701 ( Address of principal executive offices ) Registrant's telephone number , including area code : ( 732 ) 240-4500 Securities registered pursuant to Section 12 ( b ) of the Act : Trading symbol OCFC OCFCP 22-3412577 ( I.R.S. Employer Identification No. ) Name of each exchange in which registered NASDAQ NASDAQ Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes x Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No " . No X. Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes x No " . Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes x No Non - accelerated filer Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of “ large accelerated filer " , " accelerated filer " , “ smaller reporting company " and “ emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer X Accelerated filer Smaller reporting company 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 final accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . O DOCUMENTS INCORPORATED BY REFERENCE Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . < No . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes The aggregate market fair value of the voting and non - voting common equity held by non - affiliates of the registrant , i.e. , persons other than the directors and executive officers of the registrant , was $ 1,037,577,000 based upon the closing price of such common equity as of the last business day of the registrant's most recently completed second fiscal quarter . The number of shares outstanding of the registrant's Common Stock as of February 22 , 2021 was 59,915,803 .