Provident Financial (PFS) posts slides via Reg FD 8-K before Q2 results

Rhea-AI Filing Summary

On 24 July 2025, Provident Financial Services, Inc. (NYSE: PFS) filed a Form 8-K under Item 7.01 – Regulation FD Disclosure. The filing simply furnishes an investor presentation (Exhibit 99.1) that will be used alongside the company’s Q2-25 earnings release, which is being issued the same day. Management notes the materials are “furnished” rather than “filed,” meaning they are not incorporated into liability provisions of the Exchange Act.

No financial statements, pro-forma information or transaction details accompany the report; Items 9.01 (a)-(c) are marked “Not applicable.” The only additional exhibit is the Inline XBRL cover page file. As a routine Reg FD communication designed to ensure simultaneous public access to earnings slides, the 8-K carries limited direct valuation impact but signals that detailed Q2 results will follow imminently.

Insights

Sell-Side Financial Analyst

TL;DR: Routine Reg FD 8-K furnishing slides; no numbers disclosed, limited immediate impact.

The company’s sole purpose here is compliance—making its Q2-25 slide deck publicly available. Because the filing omits revenue, EPS, credit metrics or guidance, investors gain no new quantitative insight. Nonetheless, early access to management’s talking points may help analysts refine Q2 models once the full release drops. We view the event as neutral for the share price.

Corporate Governance Specialist

TL;DR: Transparent dissemination of earnings materials; standard practice, negligible governance risk.

Providing the presentation via an 8-K satisfies fair-disclosure requirements and aligns with best-practice investor relations. The absence of new strategic or governance revelations keeps the overall impact marginal. No action required for proxy or board-oversight considerations.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

FALSE000117897000011789702025-07-242025-07-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 24, 2025

PROVIDENT FINANCIAL SERVICES, INC.

(Exact Name of Registrant as Specified in its Charter)

Delaware

001-31566

42-1547151

(State or Other Jurisdiction of Incorporation)

(Commission File No.)

(I.R.S. Employer Identification No.)

239 Washington Street, Jersey City, New Jersey

07302

(Address of Principal Executive Offices)

(Zip Code)

Registrant's telephone number, including area code 732-590-9200

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol Symbol(s)

Name of each exchange on which registered

Common

PFS

New York Stock Exchange

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17

CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17

CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

Provident Financial Services, Inc. (the "Company") is furnishing presentation materials to be used in tandem with the Company's second quarter earnings release, which will be filed on July 24, 2025. A copy of the presentation is attached as Exhibit 99.1 to this report and is being furnished to the SEC and shall not be deemed “filed” for any purpose.

Item 9.01.    Financial Statements and Exhibits

(a)     Financial Statements of Businesses Acquired. Not applicable.

(b)    Pro Forma Financial Information. Not applicable.

(c)     Shell Company Transactions. Not applicable.

(d)    Exhibits.

Exhibit No.        Description

99.1     Earnings release presentation materials to be used in tandem with the Company's second quarter earnings release, which will be filed on July 24, 2025.

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)    

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

									PROVIDENT FINANCIAL SERVICES, INC.
DATE:			July 24, 2025						By:/s/ Bennett MacDougall
									Bennett MacDougall
									EVP, General Counsel and Corp. Secretary

FAQ

What did Provident Financial Services (PFS) disclose in the 8-K filed on July 24 2025?

PFS furnished an investor presentation (Exhibit 99.1) to accompany its Q2-25 earnings release under Item 7.01 Regulation FD.

Does the 8-K include any Q2-2025 financial results for PFS?

No. The filing contains no revenue, EPS or balance-sheet data; it only references the forthcoming earnings release.

Why are the presentation materials marked as “furnished” rather than “filed”?

Materials furnished under Item 7.01 are not subject to certain Exchange Act liabilities, a standard practice for Reg FD disclosures.

Are there any other exhibits or transactions disclosed in this 8-K?

Aside from the presentation and an Inline XBRL cover file, Items 9.01 (a-c) state "Not applicable," indicating no other exhibits or transactions.

When will PFS release its full Q2-25 earnings report?

The company states that its second-quarter earnings release will be filed on the same date, July 24 2025.