[Form 4] PROVIDENT FINANCIAL SERVICES INC Insider Trading Activity

Rhea-AI Filing Summary

Provident Financial Services (PFS) insider Form 4 shows James A. Christy, EVP and Chief Risk Officer, reported a sale of 3,000 shares of Provident common stock on 09/12/2025 at a price of $19.90 per share. After the reported sale, Mr. Christy beneficially owned 39,633 shares directly. The filing also discloses indirect holdings of 507 shares through a 401(k) plan and 25,490 shares through an ESOP, for a combined beneficial position of 65,630 shares across direct and indirect holdings. The form includes an explanatory note stating the transactions reflect items not required to be reported under Section 16 and is signed by a power of attorney on 09/15/2025.

Positive

• Timely disclosure of the insider transaction with clear breakdown of direct and indirect holdings
• Complete ownership detail showing direct, 401(k), and ESOP positions

Negative

• Insider sale of 3,000 shares on 09/12/2025 at $19.90 (represents ~4.6% of disclosed aggregate holdings)

Insights

Securities Analyst

TL;DR: Routine small insider sale by a senior executive; disclosure is timely and provides transparent ownership detail.

The Form 4 documents a sale of 3,000 shares at $19.90 by the EVP/CRO. Relative to the total disclosed holdings of 65,630 shares, the sale represents a modest portion of the reporting person’s aggregate position (approximately 4.6%). The filing includes both direct and indirect holdings (401(k) and ESOP) and an explanatory note clarifying reporting scope. For investors, this appears to be a routine disposition rather than a material change in ownership or corporate control.

Corporate Governance Expert

TL;DR: Disclosure aligns with Section 16 requirements and identifies beneficial ownership composition.

The report identifies the reporting person, role (EVP, CRO), and provides clear breakdown of direct versus indirect ownership. The presence of an explanatory remark and a power-of-attorney signature indicates proper procedural handling. There is no indication of related-party transactions or amendments that would raise governance concerns based on the information provided.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Christy James A.

(Last) (First) (Middle)

239 WASHINGTON STREET

(Street)

JERSEY CITY NJ 07302

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
PROVIDENT FINANCIAL SERVICES INC [ PFS ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, CRO of Provident Bank

3. Date of Earliest Transaction (Month/Day/Year)
09/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/12/2025		S		3,000	D	$19.9	39,633	D
Common Stock								507(1)	I	By 401(k)
Common Stock								25,490(1)	I	By ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

Remarks:

	/s/Chao Huang, Pursuant to Power of Attorney	09/15/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transaction did the PFS insider report on Form 4?

The Form 4 reports that James A. Christy sold 3,000 shares of Provident common stock on 09/12/2025 at $19.90 per share.

How many shares does James A. Christy beneficially own after the reported sale?

After the sale, he beneficially owned 39,633 shares directly, plus indirect holdings of 507 shares (401(k)) and 25,490 shares (ESOP).

What is the reporting person's role at PFS?

The reporting person is identified as EVP, Chief Risk Officer (CRO) of Provident Bank, affiliated with Provident Financial Services (PFS).

Was the Form 4 signed and when?

The filing was signed under power of attorney by Chao Huang on 09/15/2025.

Does the filing include any explanatory remarks?

Yes. The form includes a note stating the transactions reflect items not required to be reported pursuant to Section 16 of the Securities Exchange Act.