{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-027294","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2022-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.842029+00:00","generated_at":"2026-06-22T22:25:22.003381+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Provident Financial Q3 net income rises to $43.4M, EPS $0.58; net interest margin expands to 3.51%","bullets":["Net income $43.4M ($0.58 EPS) vs $37.3M ($0.49) in Q3 2021 and $39.2M ($0.53) in Q2 2022.","Net interest margin increased 30 bps sequentially to 3.51%; net interest income $109.5M, up $10.0M from Q2.","Recorded $8.4M provision for credit losses vs $3.0M in Q2, citing weakening economic forecast.","Declared quarterly cash dividend of $0.24 per share, payable Nov 25, 2022.","Pending merger with Lakeland Bancorp; incurred $2.9M in non-deductible transaction costs."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-027294","json":"https://secwatch.observer/filing/0001628280-22-027294.json","markdown":"https://secwatch.observer/filing/0001628280-22-027294.md","text":"https://secwatch.observer/filing/0001628280-22-027294.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828022027294/0001628280-22-027294-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828022027294/pfs-20221028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T22:25:22.003381+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":[{"claim_id":"1400aaf7c75821d90d52d03e0aca970aa3af4598","claim":"PROVIDENT FINANCIAL SERVICES INC reported the nine months ended September 30, 2022 results: net income $126.6 million, EPS $1.69 per basic and diluted share.","evidence_excerpt":"For the nine months ended September 30, 2022, net income totaled $126.6 million, or $1.69 per basic and diluted share, compared to $130.6 million, or $1.71 per basic share and $1.70 per diluted share, for the nine months ended September 30, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1178970/000162828022027294/0001628280-22-027294-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2022"},{"label":"Net income","value":"$126.6 million"},{"label":"EPS","value":"$1.69 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"df5572553173d7752ea8dbe709f669f7755cb339","claim":"PROVIDENT FINANCIAL SERVICES INC reported the three months ended September 30, 2022 results: net income $43.4 million, EPS $0.58 per basic and diluted share.","evidence_excerpt":"Provident Financial Services, Inc. (NYSE:PFS) (the “Company”) reported net income of $43.4 million, or $0.58 per basic and diluted share for the three months ended September 30, 2022, compared to $39.2 million, or $0.53 per basic and diluted share, for the three months ended June 30, 2022 and $37.3 million, or $0.49 per basic and diluted share, for the three months ended September 30, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1178970/000162828022027294/0001628280-22-027294-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2022"},{"label":"Net income","value":"$43.4 million"},{"label":"EPS","value":"$0.58 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}