Item 7.01 - Regulation FD Disclosure: The Company is furnishing presentation materials to be used in conjunction with Provident Financial Services, Inc.'s second quarter 2026 earnings release, scheduled to be filed on July 30, 2026 Exhibit 99.1: A copy of the presentation materials is attached as Exhibit 99.1 to this 8-K filing and has been furnished to the SEC Filing Date and Period: This 8-K…

Our analysis rates this filing NEUTRAL. Provident Financial Services presents a MODERATE concern profile with a NEUTRAL net assessment. The risk score of 3.2 reflects minimal material concerns in this quarterly earnings presentation. The two identified new risks—systems conversion costs and…

Concern level: MODERATE (3.2/10). Key factors: Core systems conversion costs of $1.5M in Q2 2026 represent non-recurring expense pressure, though explicitly excluded from operating guidance; Increased severance expense contributing to $1.1M QoQ compensation increase, suggesting workforce optimization activity; CRE concentration ratio remains elevated at 399.7%, though showing positive downward…

Notable risk changes: Q2 2026 earnings presentation shows strong operational momentum: Core ROAA improved to 1.27% (up from 1.19% YoY), Core ROATCE at 16.22% (up from 16.79% YoY), with PPNR ROAA expanding 23 bps YoY to 1.87%; Loan growth accelerating with 9.9% QoQ annualized commercial loan growth and record $3.17B pipeline at 6.33% weighted average rate; company maintains 5-6% full-year 2026 loan growth guidance;…

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