---
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"
generated_at: "2026-05-18T02:03:02.484038+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q2 net income $72M ($0.55 EPS); record revenue $214.2M, NIM expands to 3.36%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035903
- JSON: https://secwatch.observer/filing/0001628280-25-035903.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035903.txt

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