{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-035379","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2023-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.430490+00:00","generated_at":"2026-06-09T06:46:56.491306+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Provident Fin. Q3 net income $28.5M ($0.38/sh), down from $43.4M ($0.58/sh) YoY; margin 2.96%","bullets":["Net income $28.5M ($0.38/sh) for Q3 2023 vs $43.4M ($0.58/sh) YoY and $32.0M ($0.43/sh) QoQ.","Net interest margin 2.96% vs 3.11% QoQ and 3.51% YoY; loan portfolio grew 5.2% ann. to $10.67B.","Provision for credit losses $11.0M vs $10.4M QoQ; allowance for credit losses 1.01% of loans vs 0.97%.","Declared quarterly dividend $0.24/sh, unchanged; payable Nov 24, record Nov 10.","Merger with Lakeland pending; transaction costs $2.3M in Q3; regulatory discussions ongoing."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-035379","json":"https://secwatch.observer/filing/0001628280-23-035379.json","markdown":"https://secwatch.observer/filing/0001628280-23-035379.md","text":"https://secwatch.observer/filing/0001628280-23-035379.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828023035379/0001628280-23-035379-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828023035379/pfs-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T06:46:56.491306+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":"98cfd43867035db51d0a4d18d5b19a2cd09a607c","claim":"PROVIDENT FINANCIAL SERVICES INC reported the three and nine months ended September 30, 2023 results: net income $28.5 million, EPS $0.38 per basic and diluted share.","evidence_excerpt":"Provident Financial Services, Inc. (NYSE:PFS) (the “Company”) reported net income of $28.5 million, or $0.38 per basic and diluted share for the three months ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1178970/000162828023035379/0001628280-23-035379-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and nine months ended September 30, 2023"},{"label":"Net income","value":"$28.5 million"},{"label":"EPS","value":"$0.38 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"}