{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-002309","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.577721+00:00","generated_at":"2026-06-06T16:26:04.946434+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 Financial Q4 net income falls to $27.3M ($0.36 EPS) from $49.0M; dividend $0.24","bullets":["Q4 net income $27.3M ($0.36 diluted EPS) vs $49.0M ($0.66) year ago; full year $128.4M ($1.71) vs $175.6M ($2.35).","Net interest margin 2.92% (down 70bp YoY); loan portfolio grew $206.1M (7.7% annualized) to $10.87B.","Merger with Lakeland extended to March 31, 2024 pending regulatory approvals; transaction costs $2.5M in Q4.","Quarter included $3.0M litigation reserve, $2.0M foreclosed property write-down, and $775k FDIC assessment.","Dividend $0.24/share payable Feb 23, record Feb 9; annual meeting April 25 virtual."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-002309","json":"https://secwatch.observer/filing/0001628280-24-002309.json","markdown":"https://secwatch.observer/filing/0001628280-24-002309.md","text":"https://secwatch.observer/filing/0001628280-24-002309.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024002309/0001628280-24-002309-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024002309/pfs-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T16:26:04.946434+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":"62e170f0316144149bf06535adc6384186bc0f25","claim":"PROVIDENT FINANCIAL SERVICES INC reported the year ended December 31, 2023 results: net income $128.4 million, EPS $1.72 per basic share and $1.71 per diluted share.","evidence_excerpt":"For the year ended December 31, 2023, net income totaled $128.4 million, or $1.72 per basic share and $1.71 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024002309/0001628280-24-002309-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$128.4 million"},{"label":"EPS","value":"$1.72 per basic share and $1.71 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"ee85e92f3fc7a5f1aae354034027ee91f17c0f3a","claim":"PROVIDENT FINANCIAL SERVICES INC reported the three months ended December 31, 2023 results: net income $27.3 million, EPS $0.36 per basic and diluted share.","evidence_excerpt":"Provident Financial Services, Inc. (NYSE:PFS) (the “Company”) reported net income of $27.3 million, or $0.36 per basic and diluted share for the three months ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024002309/0001628280-24-002309-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2023"},{"label":"Net income","value":"$27.3 million"},{"label":"EPS","value":"$0.36 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"}