What do the indirect PFS share holdings in the 401(k) and IRA represent?

The indirect holdings represent retirement-related positions. The Form 4 lists 89,665 shares held by a 401(k) plan and 6,798 shares held by an IRA. These are categorized as indirect ownership and are separate from the CFO’s directly owned 240,438 common shares.

Provident Financial (NYSE: PFS) CFO gets 10,883-share performance grant vesting

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

LYONS THOMAS M reported acquisition or exercise transactions in this Form 4 filing.

PROVIDENT FINANCIAL SERVICES INC senior executive vice president and CFO Thomas M. Lyons received 10,883 shares of common stock as a performance-vesting stock award on May 20, 2026, at a stated price of $0.0000 per share. These awards were originally granted on May 20, 2024 and vested after the company met specified performance criteria.

Following this vesting event, Lyons directly holds 240,438 shares of common stock. He also has additional indirect holdings through retirement accounts, including 89,665 shares held by a 401(k) plan and 6,798 shares held by an IRA, reflecting long-term equity-based compensation rather than open-market buying or selling.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider LYONS THOMAS M

Role SEVP and CFO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	10,883	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 240,438 shares (Direct, null); Common Stock — 6,798 shares (Indirect, By IRA)

Footnotes (1)

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Key Figures

Performance-vesting award: 10,883 shares Direct holdings after award: 240,438 shares 401(k) indirect holdings: 89,665 shares +2 more

5 metrics

Performance-vesting award 10,883 shares Common Stock grant/award acquisition on May 20, 2026 at $0.0000

Direct holdings after award 240,438 shares Common Stock directly owned after transaction

401(k) indirect holdings 89,665 shares Common Stock held indirectly by 401(k) after transaction

IRA indirect holdings 6,798 shares Common Stock held indirectly by IRA after transaction

Grant price per share $0.0000/share Stated price for performance-vesting stock award

Key Terms

Performance-vesting stock awards, 401(k), IRA, Grant, award, or other acquisition

4 terms

Performance-vesting stock awards financial

"Performance-vesting stock awards granted May 20, 2024 which vested based on meeting certain performance criteria."

401(k) financial

"direct_or_indirect": "I", "nature_of_ownership": "By 401(k)""

A 401(k) is a type of retirement savings plan offered by employers that allows workers to set aside a portion of their paycheck before taxes are taken out. The money saved in a 401(k) can grow over time through investments, helping individuals build funds for their future retirement. It matters to investors because it provides a tax-advantaged way to save and invest for long-term financial security.

IRA financial

""direct_or_indirect": "I", "nature_of_ownership": "By IRA""

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

Grant, award, or other acquisition financial

""transaction_code_description": "Grant, award, or other acquisition""

Form 4 Insider Transactions: What Each Field Means →

05/21/2026 - 03:00 PM

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^*

LYONS THOMAS M

(Last)

(First)

(Middle)

239 WASHINGTON STREET

(Street)

JERSEY CITY

NEW JERSEY

07302

(City)

(State)

(Zip)

UNITED STATES

(Country)

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)
	SEVP and CFO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/20/2026

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

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

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

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	05/20/2026		A		10,883⁽¹⁾	A	$0	240,438	D
Common Stock								6,798	I	By IRA
Common Stock								89,665	I	By 401(k)

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Performance-vesting stock awards granted May 20, 2024 which vested based on meeting certain performance criteria.

Remarks:

	/s/Chao Huang, Pursuant to Power of Attorney	05/21/2026
	** 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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR

FAQ

What insider transaction did PFS CFO Thomas Lyons report on this Form 4?

Thomas M. Lyons reported acquiring 10,883 shares of Provident Financial Services common stock through a performance-vesting stock award. The shares vested after certain performance criteria were met, and were recorded at a grant price of $0.0000 per share as part of equity compensation.

Were the PFS CFO’s 10,883 shares an open-market purchase or compensation award?

The 10,883 shares were a compensation-related stock award, not an open-market purchase. They are performance-vesting stock awards granted on May 20, 2024, which later vested after meeting defined performance criteria and were recorded at a price of $0.0000 per share.

How many Provident Financial Services shares does the CFO hold after this filing?

After this filing, Thomas M. Lyons directly holds 240,438 Provident Financial Services common shares. He also has indirect holdings of 89,665 shares in a 401(k) plan and 6,798 shares in an IRA, reflecting retirement and long-term incentive positions.

What is the significance of the performance-vesting stock awards for PFS investors?

Performance-vesting stock awards link executive compensation to achieving specific performance goals. In this case, 10,883 shares vested after criteria were met, adding to the CFO’s equity stake. It reflects Provident Financial Services’ use of performance-based incentives rather than signaling open-market trading activity.