{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-003769","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.648524+00:00","generated_at":"2026-05-16T06:53:55.854674+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 Q4 net income $83.4M ($0.64/sh); full-year net income $291.2M","bullets":["Q4 net income $83.4M ($0.64/sh) vs $71.7M ($0.55) in Q3 and $48.5M ($0.37) in Q4 2024.","Full year 2025 net income $291.2M ($2.23/sh) vs $115.5M ($1.05) in 2024 (includes merger costs in 2024).","Record revenue of $225.7M, driven by net interest income $197.4M and non-interest income $28.3M.","Net interest margin improved to 3.44% (up 1 bp QoQ, 16 bps YoY); core NIM 3.01%.","Non-performing loans ratio improved to 0.40% from 0.52% QoQ; tangible book value $15.70."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-003769","json":"https://secwatch.observer/filing/0001628280-26-003769.json","markdown":"https://secwatch.observer/filing/0001628280-26-003769.md","text":"https://secwatch.observer/filing/0001628280-26-003769.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828026003769/0001628280-26-003769-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828026003769/pfs-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:53:55.854674+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"}