---
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"
generated_at: "2026-05-17T01:15:02.839303+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q3 net income $71.7M, EPS $0.55; record revenue $221.8M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1178970/000162828025047486/0001628280-25-047486-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1178970/000162828025047486/pfs-20251029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-047486
- JSON: https://secwatch.observer/filing/0001628280-25-047486.json
- Plain text: https://secwatch.observer/filing/0001628280-25-047486.txt

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