This is an 8-K filing under Item 7.01 (Regulation FD Disclosure) for Provident Financial Services, Inc. The company is furnishing presentation materials to accompany its third quarter earnings release, which will be filed on October 30, 2025. The presentation materials are attached as Exhibit 99.1 to this report and are being furnished to the SEC, but are not considered "filed" for legal purposes.

Our analysis rates this filing CAUTIOUS. The moderate-elevated concern level reflects balanced financial performance with some targeted risks in commercial real estate. While the company shows strong fundamentals and optimistic management sentiment, the concentrated NYC multi-family loan exposure…

Concern level: ELEVATED (5.5/10). Key factors: Commercial Real Estate Concentration Risk (severity 5/10); NYC Multi-family Loan Exposure (geographic concentration risk); Potential vulnerability to real estate market fluctuations.

Notable risk changes: Stable credit metrics with low net charge-off ratio (0.11%); Diversified loan portfolio across multiple sectors; Strong capital position with 8.22% tangible common equity ratio.

The model predicts PFS will outperform the S&P 500 by about 0.0% over 30 days. This is model analysis for research, not investment advice.