---
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"
generated_at: "2026-05-27T06:30:37.284152+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q4 net income $48.5M, $0.37 EPS; asset quality improves, deposits grow

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-002939
- JSON: https://secwatch.observer/filing/0001628280-25-002939.json
- Plain text: https://secwatch.observer/filing/0001628280-25-002939.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.