secwatch.observer — SEC 8-K summary
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Issuer:     PROVIDENT FINANCIAL SERVICES INC (PFS)
CIK:        0001178970
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001628280-26-003769
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1178970/000162828026003769/0001628280-26-003769-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1178970/000162828026003769/pfs-20260127.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-003769

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer