UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) - January 28, 2004
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Commission file number 0-24040
PENNFED FINANCIAL SERVICES, INC.
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(Exact name of Registrant as specified in its charter)
Maryland 22-3297339
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(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)
622 Eagle Rock Avenue, West Orange, New Jersey 07052-2989
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (973) 669-7366
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Item 7. Financial Statements and Exhibits
(c) Exhibits
Regulation
S-K Exhibit
Number Document
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99.1 Press Release dated
January 28, 2004
Item 12. Results of Operations and Financial Condition
On January 28, 2004, PennFed Financial Services, Inc. (the Company) issued
the press release attached hereto as Exhibit 99.1 announcing its second quarter
results.
The press release includes non-GAAP financial measures which exclude the
effect of a non-recurring charge associated with the refinance of trust
preferred securities.
Management uses these non-GAAP financial measures because it believes these
measures facilitate comparisons of the Company's historical financial results.
These non-GAAP financial measures are not prepared in accordance with
generally accepted accounting principles and may be different from non-GAAP
financial measures used by other companies. Non-GAAP financial measures should
not be considered as a substitute for, or superior to, measures of financial
performance prepared in accordance with GAAP.
SIGNATURES
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Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
PENNFED FINANCIAL SERVICES, INC.
Date: January 30, 2004 By: /s/ Joseph L. LaMonica
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Joseph L. LaMonica
President and Chief
Executive Officer