Form 8-K OCEANFIRST FINANCIAL For: Nov 12

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

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FORM 8-K

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CURRENT REPORT

Pursuant to Section�13 or 15(d)

of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): November�12, 2014

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OCEANFIRST FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

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975 HOOPER AVENUE, TOMS RIVER, NEW JERSEY 08753

(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)

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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:

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OceanFirst Financial Corp. (the �Company�) is scheduled to make presentations to current and prospective investors. Attached as Exhibit 99.1 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.

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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.

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Dated: November�12, 2014

Exhibit Index

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NASDAQ: OCFC 1 OceanFirst Financial Corp. INVESTOR PRESENTATION NOVEMBER� 2014 Exhibit 99.1

NASDAQ: OCFC 2 OceanFirst Financial Corp. OceanFirst Financial Corp. Forward Looking Statements: This presentation contains certain forward-looking statements within the meaning of the Private Securities Reform Act of 1995 which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words "believe," "expect," "intend," "anticipate," "estimate," "project," "will," "should," "may," "view," "opportunity," "potential," or similar expressions or expressions of confidence. The Company's ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to, changes in interest rates, general economic conditions, levels of unemployment in the Bank�s lending area, real estate market values in the Bank�s lending area, future natural disasters and increases to flood insurance premiums, the level of prepayments on loans and mortgage-backed securities, legislative/ regulatory changes, monetary and fiscal policies of the U.S. Government including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company's market area and accounting principles and guidelines. These risks and uncertainties are further discussed in the Company�s Annual Report on Form 10-K for the year ended December 31, 2013 and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

NASDAQ: OCFC 3 112 Years of Growth and Capital Management 112 Years of Growth and Capital Management Founded in Point Pleasant, NJ, in 1902, OceanFirst has grown from a small one-town savings and loan to a full-service community bank serving the Central New Jersey Shore. Rebuilt capital from 6.05% to 9.47% through the Great Recession with retained earnings and completion of a follow-on common stock offering in November 2009. Demutualized in 1996 and over the ensuing 11 years generated value for shareholders,� largely through the successful implementation and execution of our community bank model, and the strategic repurchase of 62.4% of original IPO shares. Since late 2011, the Company has utilized share repurchases to again strategically redeploy surplus capital until growth prospects improved.� Current repurchase authorization for 835,059 shares in place until growth initiatives mature.

NASDAQ: OCFC 4 Community Bank serving the Central Jersey Shore - $2.3 billion in assets and 23 branch offices Targeting growth opportunities in Monmouth County Market Cap $287 million Core deposits � 88.1% of total deposits Locally originated loan portfolio - no SNCs C&I loans and lines Residential and commercial��������� real estate mortgages Consumer equity loans and lines Corporate Profile Corporate Profile Note:� See Appendix 1 for Market Demographic information.

NASDAQ: OCFC 5 Experienced Executive Management Team Experienced Executive Management Team Substantial insider ownership of 27.4% � aligned with shareholders� interests OceanFirst Bank ESOP 10.5% Directors & Senior Executive Officers 9.8% (CEO 5.7%) OceanFirst Foundation 7.1% Succession planning affirmed � Christopher D. Maher named as successor CEO effective January 1, 2015 As of the March 11, 2014 proxy record date. Name Position # of Years in Banking # of Years at OCFC John R. Garbarino Chairman, Chief Executive Officer 43 43 Christopher D. Maher President, Chief Operating Officer 26 1 Michael J. Fitzpatrick Executive Vice President, Chief Financial Officer 33 22 Joseph R. Iantosca Executive Vice President, Chief Administrative Officer 36 10 Joseph J. Lebel III Executive Vice President, Chief Lending Officer 30 8 Director and Proxy Officer Stock Ownership Guidelines

NASDAQ: OCFC 6 Our Strategy Our Strategy Positioned as the leading Community Bank in attractive Central Jersey Shore market � developing the franchise, growing revenue and creating additional value for shareholders Strategically focused on revenue growth in commercial lending, wealth management, and bankcard services Guarding credit quality in ALL business cycles Growing diversified streams of non-interest income to decrease reliance on Net Interest Margin (NIM) Creating attractive profile to encourage roll-up opportunities presented by local community banks lacking the scale or desire to remain independent

NASDAQ: OCFC 7 Significant Primary Market Deposit Share Significant Primary Market Deposit Share Competing Favorably Against Banking Behemoths # of Dep. In Mkt. Mkt. Shr. Rank Institution Branches ($000) (%) Ocean County, NJ 1 TD Bank, National Association (Canada) 22 2,541,705 17.45 2 Hudson City Bancorp Inc. (NJ) (1) 14 2,212,695 15.19 3 Wells Fargo Bank NA (CA) 26 2,203,005 15.13 4 OceanFirst Financial Corp. (NJ) 19 1,480,885 10.17 5 Banco Santander S.A. (Spain) 21 1,368,640 9.40 6 Bank of America Corp. (NC) 17 1,267,176 8.70 Total For Institutions In Market 188 14,563,013 Source:� FDIC Summary of Deposits, June 30, 2014 (1) Pending acquisition by M&T Bank (NY)

NASDAQ: OCFC 8 Strategic Deposit Composition Transition Strategic Deposit Composition Transition *Time deposit duration of 18 months

NASDAQ: OCFC 9 Strategic Loan Composition Transition Strategic Loan Composition Transition

NASDAQ: OCFC 10 Increased the quarterly dividend by $0.01, or 8.3%, to $0.13 per share, 42% payout ratio Non-performing loans decreased $22.3 million, or 54.8% Grew commercial loan portfolio $27.2 million, 16.7% annualized; 5 consecutive quarter of growth Earnings per share of $0.31, 9.5% ROE & 0.88% ROA Net interest margin stable at 3.27% Tangible common equity of 9.5% of assets Common stock repurchase plan in place to strategically manage capital levels Highlights � Highlights � Third Quarter 2014 Third Quarter 2014 th

NASDAQ: OCFC 11 For the nine months ended September 30, 2014: Interest Rate Risk Management Extended $150 million of FHLB advances into 3 � 5 year terms $70 million of retail checking migrated to non-interest bearing Core deposits (1) are 88.1% of total deposits, a significant benefit in a rising rate environment Asset Quality Improvements Non-performing loans decreased by 59%, or $27.0 million, to $18.4 million at September 30, 2014 Credit metrics improved as non-performing loans as a percent of total loans receivable decreased to 1.11% from 2.88%, and Allowance for Loan Losses as a percent of total non-performing loans increased to 88.68% from 51.44% (1)� Core deposits are all deposits except time deposits. Highlights � Highlights � Risk Management Risk Management

NASDAQ: OCFC 12 Credit Metrics Reflect Conservative Culture Credit Metrics Reflect Conservative Culture Data as of December 31, unless otherwise indicated. Increase attributable to Superstorm Sandy. Decrease due to bulk sale of most� non-performing residential and consumer mortgage loans.� Net charge-off percent is 0.12% excluding charge-offs related to the bulk sale. 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 2009 2010 2011 2012 2013 9/30/2014 Residential Consumer Commercial Real Estate Commercial (1) (2) Note:� Atlantic County Loan Exposure totals $14.4 million, or 0.9%, of total loan portfolio as of September 30, 2014. Net charge-offs as percent of average loans outstanding (annualized for 2014) 0.16% 0.18% 0.57% 0.36% 0.16% 0.54% (1) (2)

NASDAQ: OCFC 13 Prudently Provisioning for Credit Costs Prudently Provisioning for Credit Costs $0 $1 $2 $3 $4 $5 $6 $7 $8 $9 $10 Net Charge-Offs Net Charge-Offs Attributable to Bulk Sale of NPL's Provision for Loan Losses (1) Spike in charge-offs was due to a change in charge-off policy to recognize the charge-off when the loan is deemed uncollectible rather than when the foreclosure process is complete.� The additional charge-off relating to the change in policy through 2011 was $5.7 million, all of which had been previously specifically reserved. (2) Increase attributable to Superstorm Sandy. 12/31/09 12/31/10 12/31/11 (1) 12/31/12 (2) 12/31/13 9/30/14 (Nine Months)

NASDAQ: OCFC 14 Net Interest Margin Net Interest Margin Stabilizing Close to Historical Levels Quarterly Trend Historical Average Net Interest Margin (3.28%)

NASDAQ: OCFC 15 Diversified Streams of Non-Interest Income Diversified Streams of Non-Interest Income 2011 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90% 1996 9/30/2014 (Annualized) Fees and Service Charges Gain on Sale of Loans BOLI Other BankCard Services Investment Services Wealth Management Non-Interest Income excludes gain/loss from other real estate operations, gain on sale of securities and provision for repurchased loans. $2.5M $17.6M Targeted Growth Areas

NASDAQ: OCFC 16 Generating Consistent Attractive Returns Generating Consistent Attractive Returns 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 2009 2010 2011 2012 2013 9/30/2014 (Annualized) Return on Equity Return on Assets 0.0% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% (1) (1) Excludes after-tax impact of $3.1 million in non-recurring charges related to strategic advance restructuring and branch consolidation.

NASDAQ: OCFC 17 Prudently Managing Excess Capital in Near Term Prudently Managing Excess Capital in Near Term 2011 Notes: Stock Repurchases � $14.77 Average Cost per Share. Quarterly dividend rate increased by $0.01, or 8.3%, in October 2014. Cash Dividends Stock Repurchases

NASDAQ: OCFC 18 Challenge Today is to Grow Revenue Challenge Today is to Grow Revenue Build Shareholder Value Build Shareholder Value Target growth within existing market � increasing share Commercial loans increase at double digit growth rate for five consecutive quarters Superstorm Sandy recovery providing market opportunity* Continuing Strategic Execution Sold most non-performing residential/consumer mortgage loans in third quarter of 2014; $500,000 in annual cost savings FHLB Advances restructured in fourth quarter 2013; duration extended to 38 months Rationalizing Branch Network and Residential Lending, reinvesting cost saves supporting growth Consolidated two overlapping branches at the end of 2013 Reduced residential lending overhead in second quarter 2014 to improve efficiency Sold servicing rights on loans serviced for FNMA/FHLMC in October 2014, recognizing a small gain and lowering costs in 2015 (net of lost servicing revenue) Diversifying and strengthening non-interest income streams; reducing reliance on NIM Assessing opportunistic roll-up of local community banks Financial performance develops value proposition for shareholders and preserves the���������� right to remain independent *Note:� See Appendix 4.

NASDAQ: OCFC 19 Why OCFC�? Why OCFC�? Fundamental franchise value � superior market demographics Seasoned and effective management team Sandy response and experience Substantial insider ownership � aligned with shareholders� interests Succession planning affirmed � 2014 Attractive deposit mix and market share Conservative credit culture and profile Solid financial performance � developing shareholder value Strong balance sheet and capital base

NASDAQ: OCFC 20 Attractive Valuation Metrics Attractive Valuation Metrics OCFC Peers (1) Valuation Price / Tang. Book Value 129% 154% Price / LQA EPS 13.3x 14.1x Price / Estimated EPS 12.5x 13.5x Cash Dividend Yield 3.1% 2.9% 1) Peers include:� DCOM, FFIC, FLIC, HVB, LBAI, ORIT, PGC, SNBC, SUBK, UVSP and WSFS Note: Financial data as of the most recent period available; market data as of November 7, 2014. Source:� Sandler O�Neill

NASDAQ: OCFC 21 THANK YOU FOR YOUR INTEREST IN OCEANFIRST FINANCIAL CORP.

NASDAQ: OCFC 22 Market Demographics Market Demographics APPENDIX 1 Ocean Monmouth Middlesex New Jersey National Number of Offices 19 4 1 % of OceanFirst Deposits 86.2 10.9 2.9 Market Rank 4 17 35 Market Share (%) 10.2 0.9 0.2 Population 583,000 628,000 831,000 Projected 2014-2019 Population Growth (%) 1.4 � 3.0 1.6 3.5 Median Household Income ($) 58,000 81,000 75,000 69,000 52,000 Projected 2014-2019 Median Household Income Growth (%) 2.6 3.1 3.5 3.6 4.6 Deposit� and demographic data as of June 30, 2014. Source:� SNL Financial

NASDAQ: OCFC 23 APPENDIX 2 Commercial Portfolio Metrics Commercial Portfolio Metrics As of September 30, 2014. (1) Combined commercial relationships (excluding small business) total 438. Commercial Real Estate (CRE) Total portfolio (1) $599.9 million % of Total Loan Portfolio 36.1% Average size of CRE loans $840,000 Largest CRE loan $14.9 million Current Pipeline $37.4 million Weighted Average Yield 4.42% Weighted Average Repricing Term 6.2 years Commercial Loans Total portfolio (1) $79.6 million % of Total Loan Portfolio 4.8% Average size of commercial loan $303,000 Largest commercial loan $10.0 million Current Pipeline $5.0 million Weighted Average Yield 4.21% Weighted Average Repricing Term 1.9 years

NASDAQ: OCFC 24 Commercial Portfolio Segmentation Commercial Portfolio Segmentation Total Commercial Loan Exposure by Industry Classification Real Estate Investment by Property Classification As of September 30, 2014. APPENDIX 2 (Cont�d) Diversified portfolio provides protection against industry- specific credit events.

NASDAQ: OCFC 25 Residential Real Estate Total Portfolio $782.8 million % of Total Loan Portfolio 47.1% Average size of mortgage loans $191,000 Interest-only loans� $19.0 million �������� - % of total 1-4 family loans 2.5% �������� - Weighted average loan-to-value ratio (using original or most recent appraisal) 59% Stated income loans� $27.8 million �������� - % of total 1-4 family loans 3.7% Portfolio weighted average loan-to-value ratio (using original or most recent appraisal) 56% �������� - Loans originated during 2014 62% Portfolio average FICO score� 752 �������� - Loans originated during 2014 761 % of loans outside the New York/New Jersey market 3.6% % of loans outside Ocean/Monmouth Counties 28.2% % of loans exceeding agency conforming amounts 44.8% % of loans for second homes 9.0% APPENDIX 3 Residential Portfolio Metrics Residential Portfolio Metrics As of September 30, 2014, unless otherwise noted.

NASDAQ: OCFC 26 Superstorm Sandy Recovery Superstorm Sandy Recovery Loan Portfolio Performed Well Net Charge-offs related to Superstorm Sandy total a modest $424,000 Damage Estimate ( FEMA 2012): 50,103 structures damaged were located in Monmouth and Ocean County 3,033 structures classified as major damage or totally destroyed Multi-Year Recovery Horizon 4,307 Homes demolished in Monmouth and Ocean in 2013; 59% of New Jersey total Toms River specifically 1,108 homes demolished in 2013 (of 30,235 Single Family Homes) 609 permits for $89.6 million issued in the first nine months of 2014 Construction Lending* $34.2 million in consumer originated/committed in first nine months of 2014; $14.2 million���� cumulative undrawn $21.7 million in commercial originated/committed in first nine months of 2014; $32.2� million cumulative undrawn $24.1 million pipeline * Construction lending has been driven by owner-occupied projects resulting from storm damage APPENDIX 4

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