---
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"
generated_at: "2026-07-30T15:43:33.753138+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Provident Financial Q2 net income $78.1M ($0.60 EPS); core PPNR record $117.8M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1178970/000162828026050914/0001628280-26-050914-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1178970/000162828026050914/pfs-20260729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-050914
- JSON: https://secwatch.observer/filing/0001628280-26-050914.json
- Plain text: https://secwatch.observer/filing/0001628280-26-050914.txt

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