{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-131296","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2024-05-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.560365+00:00","generated_at":"2026-06-02T21:47:13.045046+00:00","sec_items":["8.01","9.01"],"event_type":"m_and_a","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Provident files risk factors and financials for Lakeland merger; exchange ratio 0.8319, $50M termination fee","bullets":["Exchange ratio fixed at 0.8319 Provident shares per Lakeland share; no adjustment for price changes.","Termination fee of $50 million payable by either party under certain conditions if deal fails.","DOJ consent order requires Lakeland Bank to invest $12M over 5 years in loan subsidy fund and open two new branches.","Litigation related to merger filed; could delay or prevent completion.","Historical Lakeland financials (audited FY2023, unaudited Q1 2024) and pro forma combined statements filed as Exhibits 99.2-99.4."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-131296","json":"https://secwatch.observer/filing/0001193125-24-131296.json","markdown":"https://secwatch.observer/filing/0001193125-24-131296.md","text":"https://secwatch.observer/filing/0001193125-24-131296.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000119312524131296/0001193125-24-131296-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000119312524131296/d799237d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T21:47:13.045046+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}