{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-035903","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.501433+00:00","generated_at":"2026-05-18T02:03:02.484038+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Provident Financial Q2 net income $72M ($0.55 EPS); record revenue $214.2M, NIM expands to 3.36%","bullets":["Net income $72.0M ($0.55 diluted EPS) vs $64.0M ($0.49) in Q1 and net loss of $11.5M in Q2 2024 (which had $79M merger costs).","Record revenue $214.2M; net interest income $187.1M; net interest margin up 2 bps to 3.36%.","Benefit to provision for credit losses on loans of $2.7M; net charge-offs low at 3 bps annualized.","Commercial loan growth: C&I up 16.26% annualized to $4.69B; total commercial up 7.98% to $16.51B.","Tangible book value per share up 3.2% to $14.60; non-performing loans at 0.56% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-035903","json":"https://secwatch.observer/filing/0001628280-25-035903.json","markdown":"https://secwatch.observer/filing/0001628280-25-035903.md","text":"https://secwatch.observer/filing/0001628280-25-035903.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025035903/0001628280-25-035903-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025035903/pfs-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:03:02.484038+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"}