---
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"
generated_at: "2026-05-23T05:42:40.031236+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Provident Q1 net income $64M, EPS $0.49; declares $0.24 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-019833
- JSON: https://secwatch.observer/filing/0001628280-25-019833.json
- Plain text: https://secwatch.observer/filing/0001628280-25-019833.txt

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