Risk factors
Provident Financial Services (PFS) risk factors
Item 1A of every Provident Financial Services Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors32 risks5 new3 dropped5 reworded
Federal government shutdowns, regulatory scrutiny under the Guaranteeing Fair Banking for All Americans executive order, and a core system conversion to FIS IBS in 2026 introduce new operating and compliance risks.
Filed Feb 27, 2026 - FY2024 10-K risk factors30 risks
Integration and regulatory compliance risks following the Lakeland acquisition dominate the risk section. Asset size surpassing $10 billion brings heightened regulatory scrutiny and compliance costs. Commercial real estate concentrations and net interest income volatility present core financial risks.
Filed Feb 28, 2025