{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-047486","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.941867+00:00","generated_at":"2026-05-17T01:15:02.839303+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 Financial Q3 net income $71.7M, EPS $0.55; record revenue $221.8M","bullets":["Net income $71.7M ($0.55 diluted EPS) vs $72.0M in Q2 2025 and $46.4M in Q3 2024.","Record revenue of $221.8M, consisting of net interest income $194.3M and non-interest income $27.4M.","Net interest margin increased 7 bps to 3.43%; total deposits grew $387.7M to $19.1B.","Tangible book value per share rose 3.6% to $15.13; non-performing assets improved to 0.41%.","Provision for credit losses $7.0M ($4.5M on loans); annualized net charge-offs 0.11% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-047486","json":"https://secwatch.observer/filing/0001628280-25-047486.json","markdown":"https://secwatch.observer/filing/0001628280-25-047486.md","text":"https://secwatch.observer/filing/0001628280-25-047486.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025047486/0001628280-25-047486-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828025047486/pfs-20251029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:15:02.839303+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"}