{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-050914","form_type":"8-K","ticker":"PFS","cik":"0001178970","company_name":"PROVIDENT FINANCIAL SERVICES INC","filed_at":"2026-07-30T15:42:02+00:00","discovered_at":"2026-07-30T15:43:15.654399+00:00","generated_at":"2026-07-30T15:43:33.753138+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 Q2 net income $78.1M ($0.60 EPS); core PPNR record $117.8M","bullets":["Net income $78.1M ($0.60 diluted) vs $72.0M ($0.55) in Q2 2025; six-month net income $157.6M ($1.21) up 16% YoY.","Core net interest margin expanded to 3.09% (excl. purchase accounting), up 16 bps YoY; net interest margin 3.48%.","Record non-interest income $32.0M, up $4.9M YoY, driven by loan fees, wealth management, and insurance.","Commercial loans grew 9.9% annualized; loan pipeline record $3.17B at 6.33% weighted average rate.","Non-performing loans $136.9M (0.68% of loans) vs $78.4M (0.40%) at Dec 2025; net charge-offs 0.04% annualized."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-050914","json":"https://secwatch.observer/filing/0001628280-26-050914.json","markdown":"https://secwatch.observer/filing/0001628280-26-050914.md","text":"https://secwatch.observer/filing/0001628280-26-050914.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1178970/000162828026050914/0001628280-26-050914-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1178970/000162828026050914/pfs-20260729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T15:43:33.753138+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"}