PFS at a glance
PROVIDENT FINANCIAL SERVICES INC (PFS, SEC CIK 1178970) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 24, 2026 and Form 4 insider filings as recently as September 15, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), PROVIDENT FINANCIAL SERVICES INC (PFS) reported revenue of $73.1 million (up 7.1% from FY2024) and net income of $291.2 million. Diluted EPS was $2.23.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding PROVIDENT FINANCIAL SERVICES INC (PFS) shares worth $1.5 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Christy James A. on September 14, 2026 of 3,000 shares at $23.36 per share.
- In the last 90 days, PFS insiders reported 0 open-market purchases ($0) and 4 open-market sales ($1.9M) on Form 4, a net sale of $1.9M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $73.1M
- +7.1% vs prior year
- Insiders · 90 days
- 0 buys · 4 sells
- Net −$1.9M
- 13F holders
- 32 funds
- $1.5B · −1 vs prior quarter
- Latest 8-K
- Aug 24, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the PFS 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Loan portfolio $20.05B, up $541.7M from December 31, 2025
- Commercial loans up $407.6M; consumer loans down $5.1M during six months
- Provision $9.6M vs $2.7M recapture YoY; allowance ratio 0.92% vs 0.98%
- Non-performing loans $136.9M, or 0.68%, vs $78.4M, or 0.40%
- Borrowed funds $2.41B; stock repurchases 614,722 shares at $21.09 average cost
Risk Factors
- No material changes to 10-K risk factors for fiscal year ended December 31, 2025
- Carried-forward risks include financial-services industry competition and changing economic conditions
- Carried-forward regulatory risk includes extensive banking regulation and compliance requirements
- Carried-forward financial risks include interest-rate volatility, credit losses, and liquidity pressures
- Carried-forward concentration risk includes dependence on local markets and commercial real-estate lending
AI summary of the PFS 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- $175M subordinated debt issuance at 6.50% fixed through September 1, 2031, creating $11.375M annual fixed interest expense
- Proceeds earmarked to repay $170M of higher-ranking subordinated and junior subordinated notes, plus general corporate purposes
Item 7.01: Regulation FD Disclosure
- Investor presentation materials furnished for management meetings during Q3 2026
- Materials intended to support investor and analyst understanding of Provident Financial Services
Item 7.01: Regulation FD Disclosure
- Board election of Mr. Regan, with details in Exhibit 99.1
- Chief Accounting Officer appointment of Ms. Gigliotti, with details in Exhibit 99.2
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Michael E. Regan elected Class of 2028 director, expanding Company and Bank boards from 12 to 13 members
- Regan joins Audit, Enterprise Risk and Finance Committees, strengthening oversight of financial reporting, risk and capital allocation
AI summaries of PFS 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for PFS
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Christy James A. | Sell | Sep 14, 2026 | 3,000 | $23.36 |
| SHARA THOMAS | Sell | Sep 1, 2026 | 40,266 | $23.06 |
| SHARA THOMAS | Sell | Aug 31, 2026 | 15,900 | $23.30 |
| Giannola Vito | Sell | Aug 18, 2026 | 20,000 | $24.36 |
| Regan Michael Edward | A | Aug 7, 2026 | 3,066 | - |
| LISTA GEORGE | Sell | Jun 12, 2026 | 3,528 | $23.41 |
| Harding Matthew K. | A | May 26, 2026 | 4,012 | - |
| Gragnolati Brian | A | May 26, 2026 | 4,012 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $57.5M | $68.3M | $73.1M |
| Net Income | $128.4M | $115.5M | $291.2M |
| Net Margin | 223.2% | 169.2% | 398.3% |
| Balance Sheet | |||
| Total Assets | $14.2B | $24.1B | $25.0B |
| Equity | $1.7B | $2.6B | $2.8B |
| ROE | 7.6% | 4.4% | 10.3% |
| Per Share | |||
| EPS | - | $1.05 | $2.23 |
| Cash Flow | |||
| Operating CF | $173.4M | $426.4M | $442.3M |
| CapEx | $7.5M | $1.3M | $11.5M |
Source: XBRL data in PROVIDENT FINANCIAL SERVICES INC (PFS)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate PFS share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $1.50B |
| Q1 2026 | 33 | $1.27B |
| Q4 2025 | 31 | $1.19B |
| Q3 2025 | 32 | $1.17B |
| Q2 2025 | 29 | $1.04B |
| Q1 2025 | 27 | $678.8M |
| Q4 2024 | 23 | $709.1M |
| Q3 2024 | 22 | $418.8M |
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- FMR LLC (Fidelity)−15.2K (-4%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 229 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
PFS filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 15, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 8-K | Aug 24, 2026 | - | Analysis | - |
| 4 | Aug 19, 2026 | - | - | - |
| 8-K | Aug 14, 2026 | - | Analysis | - |
| 4 | Aug 10, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 4, 2026 | - | Analysis | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jun 23, 2026 | - | Analysis | - |
| 4 | Jun 15, 2026 | - | - | - |
| 8-K | Jun 4, 2026 | - | Analysis | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 8-K | May 26, 2026 | - | Analysis |
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PFS SEC filings: frequently asked questions
Are PFS insiders buying or selling?
In the last 90 days, PROVIDENT FINANCIAL SERVICES INC (PFS) officers, directors and 10% owners reported no open-market purchases and 4 open-market sales worth $1.9 million by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold PFS stock?
As of June 30, 2026, the largest PROVIDENT FINANCIAL SERVICES INC (PFS) holders among the 13F filers tracked by SignalX were BlackRock ($454.9 million), Vanguard Portfolio Management LLC ($194.6 million), Dimensional Fund Advisors ($193.2 million), State Street Corp ($190.2 million), Vanguard Capital Management LLC ($133.4 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was PFS's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), PROVIDENT FINANCIAL SERVICES INC (PFS) reported revenue of $73.1 million (up 7.1% from FY2024) and net income of $291.2 million. Diluted EPS was $2.23. The figures come from the XBRL data in the 10-K.
What are the main risks in PFS's latest 10-K?
In the 10-K filed February 27, 2026, PROVIDENT FINANCIAL SERVICES INC (PFS) flagged: 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. (AI summary of the Risk Factors section.)
What did PFS report in its latest 8-K?
PROVIDENT FINANCIAL SERVICES INC (PFS) filed an 8-K on August 24, 2026 reporting Item 8.01 (Other Events). $175M subordinated debt issuance at 6.50% fixed through September 1, 2031, creating $11.375M annual fixed interest expense.
What are the latest PFS SEC filings?
PROVIDENT FINANCIAL SERVICES INC (PFS) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 24, 2026 and a Form 4 insider filing on September 15, 2026.
What is PFS's SEC CIK number?
PROVIDENT FINANCIAL SERVICES INC (PFS)'s SEC Central Index Key (CIK) is 1178970. EDGAR lists every PFS filing under that number.
Ask anything about PFS
The research agent reads PFS's filings, financials, insider trades and 13F holders, then answers with sources.