{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-002939","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.098548+00:00","generated_at":"2026-05-27T06:30:37.284152+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Provident Financial Q4 net income $48.5M, $0.37 EPS; asset quality improves, deposits grow","bullets":["Q4 net income $48.5M ($0.37 EPS) vs $46.4M ($0.36) prior Q and $27.3M ($0.36) a year ago.","Full year net income $115.5M ($1.05 EPS) vs $128.4M ($1.71 EPS) in 2023; merger costs $56.9M.","NIM 3.28%, down 3 bps from prior Q; core NIM excl purchase accounting up 4 bps to 2.85%.","NPLs/total loans 0.39% vs 0.47% prior Q; total deposits rose $247.6M to $18.62B.","Declared $0.24 quarterly dividend payable Feb 28, 2025; Annual Meeting virtual April 24, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-002939","json":"https://secwatch.observer/filing/0001628280-25-002939.json","markdown":"https://secwatch.observer/filing/0001628280-25-002939.md","text":"https://secwatch.observer/filing/0001628280-25-002939.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025002939/0001628280-25-002939-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025002939/pfs-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:30:37.284152+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"}