Were James A. Christy’s PFS share transactions open-market trades?

No, the filing shows no open-market trades. Christy received 3,649 shares as a grant and 1,144 shares were disposed of to satisfy tax obligations, a non-market tax-withholding disposition rather than a discretionary sale or purchase in the open market.

Provident Financial (NYSE: PFS) EVP reports stock grant and tax withholding moves

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Provident Financial Services EVP and Chief Risk Officer James A. Christy reported compensation-related stock activity. He received a grant of 3,649 shares of common stock at $0.0000 per share, described as performance-vesting stock awards that vested after meeting specified performance criteria.

To cover tax obligations, 1,144 shares were disposed of through a tax-withholding transaction at $22.1500 per share. After these transactions, he directly holds 47,227 common shares and indirectly holds 26,618 shares through a 401(k) plan, indicating a net increase in his overall equity position.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Christy James A.

Role EVP, CRO of Provident Bank

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	3,649	$0.00	--
Tax Withholding	Common Stock	1,144	$22.15	$25K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 47,227 shares (Direct, null); Common Stock — 26,618 shares (Indirect, By 401(k))

Footnotes (1)

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Key Figures

Shares granted: 3,649 shares Tax-withholding shares: 1,144 shares Direct holdings after transactions: 47,227 shares +2 more

5 metrics

Shares granted 3,649 shares Performance-vesting stock award acquisition at $0.0000 per share

Tax-withholding shares 1,144 shares Tax-withholding disposition at $22.1500 per share

Direct holdings after transactions 47,227 shares Common stock directly owned following Form 4 transactions

Indirect 401(k) holdings 26,618 shares Common stock held indirectly through 401(k) plan

Tax-withholding price $22.1500/share Value used for 1,144-share tax-liability settlement

Key Terms

tax-withholding disposition, Performance-vesting stock awards, 401(k), grant, award, or other acquisition

4 terms

tax-withholding disposition financial

"1,144 shares were disposed of through a tax-withholding transaction at $22.1500 per share."

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

Performance-vesting stock awards financial

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

401(k) financial

"He also indirectly holds 26,618 shares through a 401(k) plan, as disclosed in the filing."

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.

grant, award, or other acquisition financial

"The 3,649-share transaction is classified as a grant, award, or other acquisition."

Form 4 Insider Transactions: What Each Field Means →

05/21/2026 - 03:02 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^*

Christy James A.

(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)
	EVP, CRO of Provident Bank

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		3,649⁽¹⁾	A	$0	47,227	D
Common Stock	05/20/2026		F		1,144	D	$22.15	46,083	D
Common Stock								26,618	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 stock transactions did PFS executive James A. Christy report?

James A. Christy reported a grant of 3,649 Provident Financial Services common shares and a tax-withholding disposition of 1,144 shares. These transactions reflect performance-based compensation vesting and related tax settlement, not open-market buying or selling activity.

How many PFS shares does James A. Christy hold after these transactions?

After the reported transactions, Christy directly holds 47,227 Provident Financial Services common shares. He also indirectly holds 26,618 shares through a 401(k) plan, as disclosed in the filing, reflecting his combined equity stake following the vesting and tax withholding.

What is the nature of the 3,649 PFS shares granted to James A. Christy?

The 3,649 shares are performance-vesting stock awards that were granted on May 20, 2024 and vested after certain performance criteria were met. They are recorded at a transaction price of zero, indicating they were awarded as equity compensation rather than purchased.

At what price were PFS shares used for James A. Christy’s tax withholding?

Shares used for tax withholding were valued at $22.1500 per share. In total, 1,144 common shares were disposed of at this price to satisfy tax liabilities associated with the vesting of his performance-based stock award, as described in the Form 4.