{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-033104","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2024-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.354888+00:00","generated_at":"2026-05-31T15:55:30.496559+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Provident posts Q2 net loss of $11.5M on Lakeland merger costs; declares $0.24 dividend","bullets":["Net loss of $11.5M ($0.11 diluted EPS) vs net income of $32.1M in Q1 2024 and $32.0M in Q2 2023.","Net interest income rose $47.8M to $141.5M; NIM expanded 34 bps to 3.21% with 47 bps from purchase accounting accretion.","Provision for credit losses was $66.1M, including $60.1M initial CECL charge from Lakeland merger; merger costs totaled $18.9M in Q2.","Completed merger with Lakeland on May 16, adding $10.9B assets, $7.9B loans, and $8.6B deposits.","Declared quarterly cash dividend of $0.24/share, payable Aug 30 to holders of record Aug 16."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-033104","json":"https://secwatch.observer/filing/0001628280-24-033104.json","markdown":"https://secwatch.observer/filing/0001628280-24-033104.md","text":"https://secwatch.observer/filing/0001628280-24-033104.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024033104/0001628280-24-033104-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024033104/pfs-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:55:30.496559+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"}