---
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"
generated_at: "2026-05-16T06:53:55.854674+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q4 net income $83.4M ($0.64/sh); full-year net income $291.2M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1178970/000162828026003769/0001628280-26-003769-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1178970/000162828026003769/pfs-20260127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-003769
- JSON: https://secwatch.observer/filing/0001628280-26-003769.json
- Plain text: https://secwatch.observer/filing/0001628280-26-003769.txt

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