PFS PROVIDENT FINANCIAL SERVICES INC

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Merger with Lakeland Bancorp added $10.59B assets, $7.91B loans, $8.62B deposits, and 68 branches, total consideration $876.8M including $180.4M goodwill
• • Emphasis on commercial real estate loans: 38.3% of portfolio, with largest commercial mortgage loan $70.7M secured by 29 properties in 16 states
• • Non-interest income grew to $109.8M in 2025 from $94.1M in 2024; wealth management fees remain stable around $29M
• • Core deposits $15.99B, 82.9% of total deposits as of 12/31/2025, stable versus 2024
• • Bank operates 141 branches after closing 22 overlapping branches post-merger, covering NJ, PA, and NY markets with 4.70% NJ deposit market share

Risk Factors

• • DOJ Consent Order requiring $12M loan subsidy fund investment and two branches in majority-Black and Hispanic Newark area, impacting costs and management focus
• • Exposure to New York CRE office loans of $775.5M (~15% of CRE portfolio), sensitive to real estate market conditions and potential losses
• • CRE loan concentration at 432.1% of risk-based capital, exceeding FDIC guidance, leading to elevated regulatory scrutiny and potential operational constraints
• • Interest rate risk with $3.16B available-for-sale securities portfolio could reduce equity via unrealized losses in rising interest rate environment
• • Total assets $24.98B subject to enhanced regulatory scrutiny under Dodd-Frank, increasing compliance costs and operational complexity

Management Discussion & Analysis

• • Revenue: Net interest income $760.6M in 2025, up $160.0M YoY from $600.6M in 2024
• • Profitability: Net interest margin 3.39% in 2025 vs 3.26% in 2024; net interest rate spread 2.77% vs 2.63%
• • Best performing segment: Commercial loans grew $395.8M to $5.20B; worst performing: Construction loans decreased $161.4M to $662.1M
• • Cash flow & capital allocation: $876.8M spent on Lakeland Bancorp acquisition completed May 2024; no dividend/buyback data provided
• • Forward outlook: Risk from economic decline, real estate market values, unemployment, rising interest rates highlighted as key risks affecting loan portfolio and credit losses

What are the latest PFS SEC filings in 2026?

PROVIDENT FINANCIAL SERVICES INC (PFS) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on August 4, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did PFS file its most recent 10-K annual report?

PROVIDENT FINANCIAL SERVICES INC (PFS) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view PFS 10-Q quarterly reports?

PROVIDENT FINANCIAL SERVICES INC (PFS)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every PFS 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has PFS filed recently?

PROVIDENT FINANCIAL SERVICES INC (PFS)'s most recent 8-K was filed on August 4, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find PFS insider trading activity (Form 4)?

SignalX aggregates every PFS Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does PFS file with the SEC?

PROVIDENT FINANCIAL SERVICES INC (PFS) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new PFS filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for PROVIDENT FINANCIAL SERVICES INC (PFS).

What is PFS's SEC CIK number?

PROVIDENT FINANCIAL SERVICES INC (PFS)'s SEC CIK (Central Index Key) number is 1178970. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1178970 to look up all PFS filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find PFS return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from PROVIDENT FINANCIAL SERVICES INC (PFS) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.