Saturday 17 October 2026 Export PFS’s income statement to Excel — free account

Provident Financial Services, Inc

Provident Financial Services, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 21.3% from fiscal 2024. In the quarter to June 2026, revenue grew 4.42%, EPS grew 9.09%, free cash flow fell 40.5% and total debt rose 1.25%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten.

22.23 0.03 +0.14%

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Market cap: $2.9B
P/E: 9.3×
Fwd P/E: 9.6×
Dividend yield: 4.32%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 2.31

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	—	—	2	—	—	1	1	—	2	1	—

Insider Ownership 5.75%

Capital & Financial Ratios $m

Market Cap 2,900.00

Revenue 1,411.94

Net Income 312.72

Free Cash Flow 353.13

Net Debt 2,636.08

Current Ratio 1.03

Debt/Equity 0.99

P/E ratio 9.26

Fwd P/E 9.57

P/S ratio 2.05

P/B ratio 1.00

Past 5Y EPS Growth 9.92%

This Y EPS Growth 10.22%

Next Y EPS Growth 5.11%

Next Y revenue growth (32.12%)

Next 5Y EPS Growth 7.17%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 15.11%

10-year low 10-year high

P/S against its own 10 years 24.22%

10-year low 10-year high

P/B against its own 10 years 39.88%

10-year low 10-year high

Dividends

Payout Ratio 0.40

Annual Dividend Rate 0.96

Annual Dividend Yield 4.32%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.96	0.24 0.24 0.24
2025	0.96	0.24 0.24 0.24 0.24
2024	0.96	0.24 0.24 0.24 0.24
2023	0.96	0.24 0.24 0.24 0.24
2022	0.96	0.24 0.24 0.24 0.24
2021	0.93	0.23 0.23 0.23 0.24
2020	0.92	0.23 0.23 0.23 0.23
2019	0.92	0.23 0.23 0.23 0.23
2018	0.82	0.20 0.20 0.21 0.21
2017	0.78	0.19 0.19 0.20 0.20 0.15
2016	0.71	0.17 0.18 0.18 0.18

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	180	206	211	228
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	11,006	18,925	19,641	20,193

	2023	2024	2025	Q'26
Payables	10,293	18,624	19,279	19,545
ST’ Debt	—	—	—	—
Other	—	—	—	—
	10,293	18,624	19,279	19,545

Compound Annual Growth %

	10y	5y	3y
Sales	14.83%	25.98%	35.65%
Cash Flow	14.43%	33.76%	30.21%
Earnings	13.27%	24.60%	18.35%
Book Value	9.01%	11.83%	21.04%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	347	359	—	—	—
’25	332	343	354	353	1,383
’24	185	270	349	336	1,140
’23	166	169	178	183	696
’22	121	127	150	155	554
’21	122	122	123	122	489
’20	105	96	114	121	436

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	85	119	—	—	—
’25	89	187	98	69	442
’24	41	77	69	239	426
’23	58	27	42	46	173
’22	51	51	56	42	200
’21	36	52	34	34	157
’20	33	30	(19)	59	103

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	84	109	—	—	—
’25	90	183	97	64	433
’24	41	76	68	241	425
’23	58	25	39	45	166
’22	42	54	54	41	191
’21	35	48	31	29	143
’20	32	29	(23)	53	91

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.61	0.60	—	—	—
’25	0.49	0.55	0.55	0.64	2.23
’24	0.43	(0.11)	0.36	0.37	1.05
’23	0.54	0.43	0.38	0.36	1.71
’22	0.58	0.53	0.58	0.66	2.35
’21	0.63	0.58	0.49	0.49	2.19
’20	0.23	0.22	0.37	0.53	1.39

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	17.71	23.19	22.22	23.08	9.05	17.50	19.18	13.43	13.07	14.34	Analyst estimates 2026–2028 Powerpack
	High	28.73	28.92	29.12	27.94	24.84	25.98	26.20	24.58	22.24	21.29
People
People	Employees	1,057	1,054	1,044	1,015	1,200	1,159	1,153	1,142	1,801	1,866
	Revenue/emp, $m	0.34	0.36	0.40	0.43	0.36	0.42	0.48	0.61	0.63	0.74
Income, $m
Income, $m	Revenue	358	380	419	435	436	489	554	696	1,140	1,383
	Gross margin, %	87.77	87.97	85.87	83.11	88.36	92.58	91.22	68.90	60.93	62.95
	EBT	125	140	144	147	128	227	240	176	150	408
	EBT margin, %	34.88	37.01	34.39	33.79	29.27	46.43	43.34	25.27	13.12	29.52
	Net income	88	94	118	113	97	168	176	128	116	291
	Depreciation	21	18	14	13	13	21	17	12	42	61
Per share, $
Per share, $	Revenue	5.62	5.89	6.44	6.74	6.27	6.40	7.42	9.29	10.40	10.60
	Earnings	1.38	1.46	1.82	1.74	1.39	2.20	2.35	1.72	1.05	2.23
	Cash flow	2.00	1.82	2.40	2.12	1.49	2.05	2.68	2.32	3.89	3.39
	Capex	(0.08)	0.27	(0.05)	(0.08)	(0.17)	(0.18)	(0.13)	(0.10)	(0.01)	(0.07)
	Free cash flow	1.92	2.09	2.35	2.04	1.31	1.87	2.56	2.22	3.88	3.32
	Book value	19.67	20.17	20.93	21.88	23.29	22.19	21.39	22.59	23.72	21.72
	Shares, m	64	64	65	65	70	76	75	75	110	130
Valuation, ×
Valuation, ×	P/E	20.70	18.53	13.19	14.09	13.30	11.06	9.14	10.60	17.97	8.86
	P/S	5.08	4.59	3.74	3.66	2.87	3.79	2.90	1.95	1.81	1.86
	P/B	1.45	1.34	1.15	1.13	0.77	1.09	1.00	0.80	0.80	0.91
	EV/Sales	9.26	8.75	6.91	5.88	4.48	3.70	5.06	4.59	3.80	3.56
	EV/FCF	27.06	24.63	18.96	19.37	21.35	12.66	14.67	19.24	10.18	11.37
Cash, $m
Cash, $m	Operating cash flow	127	117	156	137	103	157	200	173	426	442
	Capex	(5)	18	(3)	(5)	(12)	(14)	(9)	(7)	(1)	(9)
	Free cash flow	122	135	153	132	91	143	191	166	425	433
Balance, $m
Balance, $m	Working capital	559	772	539	391	462	(979)	(164)	713	302	363
	Total debt	1,637	1,768	1,468	1,152	1,235	671	1,384	2,018	2,464	2,559
	Net debt	1,493	1,578	1,325	965	703	(41)	1,197	1,837	2,258	2,347
	Shareholders’ equity	1,252	1,299	1,359	1,414	1,620	1,697	1,598	1,691	2,601	2,833
Returns, %
Returns, %	ROA	0.95	0.97	1.21	1.15	0.85	1.26	1.27	0.92	0.60	1.19
	ROIC	2.84	3.05	3.35	3.86	3.43	8.57	5.46	3.25	2.66	4.92
	ROE	7.17	7.37	8.91	8.12	6.39	10.13	10.66	7.81	5.38	10.72

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CBU Community Financial System, Inc.	$3.1B	14.0×	13.3×	+8.48% (above 0%: growing)	+19.59% (above 0%: growing)	+15.96% (above 0%: growing)	83.15%	0.00%	Compare
SBCF Seacoast Banking Corporation of Florida	$3.1B	20.5×	14.1×	+30.05% (above 0%: growing)	+10.00% (above 0%: growing)	−19.23% (below 0%: shrinking)	73.47%	0.00%	Compare
FHB First Hawaiian, Inc.	$3.0B	10.8×	11.8×	+0.67% (above 0%: growing)	+3.45% (above 0%: growing)	−93.83% (below 0%: shrinking)	79.03%	0.00%	Compare
BKU BankUnited, Inc.	$3.0B	11.4×	11.4×	−5.37% (below 0%: shrinking)	+6.59% (above 0%: growing)	+9.39% (above 0%: growing)	62.44%	0.00%	Compare
INTR Inter & Co. Inc.	$3.0B	10.2×	6.9×	+45.51% (above 0%: growing)	+46.15% (above 0%: growing)	−253.49% (below 0%: shrinking)	59.27%	0.00%	Compare
CLBK Columbia Financial	$2.9B	31.5×	39.7×	+5.07% (above 0%: growing)	+162.20% (above 0%: growing)	+34.28% (above 0%: growing)	55.42%	0.00%	Compare
PFS Provident Financial Services, Inc	$2.9B	9.3×	9.6×	+4.42% (above 0%: growing)	+9.09% (above 0%: growing)	−40.48% (below 0%: shrinking)	65.44%	0.00%
BANC Banc of California, Inc.	$2.7B	— (loss-making)	11.3×	−60.17% (below 0%: shrinking)	n/m	+158.46% (above 0%: growing)	9.09%	0.00%	Compare
BOH Bank of Hawaii Corporation	$2.7B	12.4×	13.0×	+2.31% (above 0%: growing)	+38.32% (above 0%: growing)	+16.90% (above 0%: growing)	73.09%	0.00%	Compare
Median of peers	$3.0B	12.4×	12.4×	+3.69%	+19.59%	+12.68%	67.77%	0.00%

All 323 Banks Regional stocks →

Provident Financial Services, Inc (PFS) key facts

Strength: Provident Financial Services, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 21.3% from fiscal 2024.
Provident Financial Services, Inc (PFS) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, PFS traded at $22.23, a market capitalization of $2.9 billion.
Provident Financial Services, Inc pays an annual dividend of $0.96 per share, a yield of 4.32%, with a payout ratio of 40.0%.
Return on equity was 10.7% and debt-to-equity 0.99.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.