{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-019833","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2025-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.716506+00:00","generated_at":"2026-05-23T05:42:40.031236+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 Q1 net income $64M, EPS $0.49; declares $0.24 dividend","bullets":["Net income $64.0M ($0.49/share) vs $48.5M ($0.37) in Q4 2024 and $32.1M ($0.43) in Q1 2024.","Net interest margin expanded to 3.34% from 3.28% QoQ; core NIM up 9 bps to 2.94%.","Commercial loan portfolio grew $150M (3.8% annualized); C&I loans up $74.3M (6.5% annualized).","Provision for credit losses on loans dropped to $325K from $7.8M in Q4; allowance 1.02% of loans.","Board declared $0.24/share quarterly dividend, payable May 30, 2025, record May 16, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-019833","json":"https://secwatch.observer/filing/0001628280-25-019833.json","markdown":"https://secwatch.observer/filing/0001628280-25-019833.md","text":"https://secwatch.observer/filing/0001628280-25-019833.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025019833/0001628280-25-019833-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025019833/pfs-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T05:42:40.031236+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"}