{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-044267","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2024-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.857968+00:00","generated_at":"2026-05-30T08:02:00.527706+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Provident posts $46.4M net income in Q3, Lakeland merger complete; declares $0.24 dividend","bullets":["Net income of $46.4M ($0.36/share) in Q3 2024 vs net loss of $11.5M in Q2 2024; net income $28.5M ($0.38) in Q3 2023.","Net interest margin expanded 10 bps to 3.31%, aided by full-quarter Lakeland accretion contributing 53 bps.","Provision for credit losses on loans dropped to $9.6M from $66.1M in Q2, which included merger-related CECL charge.","Lakeland merger core system conversion completed in early September; merger-related costs were $15.6M in Q3.","Quarterly dividend maintained at $0.24/share, payable Nov 29, 2024 to record Nov 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-044267","json":"https://secwatch.observer/filing/0001628280-24-044267.json","markdown":"https://secwatch.observer/filing/0001628280-24-044267.md","text":"https://secwatch.observer/filing/0001628280-24-044267.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024044267/0001628280-24-044267-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828024044267/pfs-20241029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:02:00.527706+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"}