Pricing Log in Create free account
Friday 6 November 2026 Export PFS’s income statement to Excel — free account

Provident Financial Services, Inc

PFS Financial Banks Regional

Provident Financial Services, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 21.3% from fiscal 2024.

Revenue
+4.27%
EPS
−3.56%
Free cash flow
−40.5%
Total debt
+7.71%

Quarter to September 2026, against a year earlier

23.02 0.50 −2.13%
Market cap
$3.0B
P/E
9.7×
Fwd P/E
9.5×
Dividend yield
4.17%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 2.16
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 2 — — 1 1 — 2 1 — —
Insider Ownership 5.79%

Capital & Financial Ratios $m

Size
Market Cap 2,990.00
Revenue ttm 1,427.04
Net income ttm 312.72
Free cash flow ttm 353.13
Net debt Q 2,600.07
Valuation
P/E 9.67
Forward P/E 9.51
Price / sales 2.10
Forward P/S Powerpack
Price / FCF 8.50
Price / book 1.05
Financial health
Current ratio Q 1.03
Debt / equity Q 1.00
Interest coverage Q —
Growth
Revenue growth Q +4.27% (above 0%: growing)
Operating income growth Q −8.86% (below 0%: shrinking)
EPS, this year +11.51%
EPS, next year A +3.62%
Revenue, next year A −32.21% (below 0%: weak)
EPS, past 5 yrs +9.92%
EPS, next 5 yrs A +7.30%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 20.68%
10-year low 10-year high
P/S against its own 10 years 27.32%
10-year low 10-year high
P/B against its own 10 years 50.83%
10-year low 10-year high

Dividends

Yield
4.17%
Annual rate
0.96
Payout ratio
40.3%
Growth, 2017–25
+2.63%/yr
  1. 0.78 ’17
  2. 0.82 ’18 +5
  3. 0.92 ’19 +12
  4. 0.92 ’20 +0
  5. 0.93 ’21 +1
  6. 0.96 ’22 +3
  7. 0.96 ’23 +0
  8. 0.96 ’24 +0
  9. 0.96 ’25 +0
  10. 0.96 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 180 206 211 266
Receivables — — — —
Inventory — — — —
Other — — — —
11,006 18,925 19,641 20,354
2023 2024 2025 Q'26
Payables 10,293 18,624 19,279 19,807
ST’ Debt — — — —
Other — — — —
10,293 18,624 19,279 19,807

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.60 Actual 0.53

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.56 0.64 Beat by 0.08
Q1 FY26 0.55 0.61 Beat by 0.06
Q2 FY26 0.56 0.60 Beat by 0.04
Q3 FY26 0.60 0.53 Miss by 0.07
Q4 FY26 0.61 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.61 0.60 0.53 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 347 359 369 — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 358 380 419 435 436 489 554 696 1,140 1,383 1,427 +16.2% 937 994 1,044 (8.9%)
Gross margin, % 87.77 87.97 85.87 83.11 88.36 92.58 91.22 68.90 60.93 62.95 64.76 (24.8) pt
EBT 125 140 144 147 128 227 240 176 150 408 421 +14.1%
EBT margin, % 34.88 37.01 34.39 33.79 29.27 46.43 43.34 25.27 13.12 29.52 29.51 (5.4) pt
Net income 88 94 118 113 97 168 176 128 116 291 313 +14.2%
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 10.94 +7.3%
Earnings 1.38 1.46 1.82 1.74 1.39 2.20 2.35 1.72 1.05 2.23 2.38 +5.5%
Cash flow 2.00 1.82 2.40 2.12 1.49 2.05 2.68 2.32 3.89 3.39 0.00 +6.0%
Capex (0.08) 0.27 (0.05) (0.08) (0.17) (0.18) (0.13) (0.10) (0.01) (0.07) 0.00 (1.2%)
Free cash flow 1.92 2.09 2.35 2.04 1.31 1.87 2.56 2.22 3.88 3.32 0.00 +6.3%
Book value 19.67 20.17 20.93 21.88 23.29 22.19 21.39 22.59 23.72 21.72 21.97 +1.1%
Shares, m 64 64 65 65 70 76 75 75 110 130 130 +8.3%
Valuation, ×
Valuation, × P/E 20.70 18.53 13.19 14.09 13.30 11.06 9.14 10.60 17.97 8.86 9.67 13.7
P/S 5.08 4.59 3.74 3.66 2.87 3.79 2.90 1.95 1.81 1.86 2.10 3.2
P/B 1.45 1.34 1.15 1.13 0.77 1.09 1.00 0.80 0.80 0.91 1.05 1.0
EV/Sales 9.26 8.75 6.91 5.88 4.48 3.70 5.06 4.59 3.80 3.56 — 5.6
EV/FCF 27.06 24.63 18.96 19.37 21.35 12.66 14.67 19.24 10.18 11.37 — 18.0
Cash, $m
Cash, $m Operating cash flow 127 117 156 137 103 157 200 173 426 442 370 +14.8%
Capex (5) 18 (3) (5) (12) (14) (9) (7) (1) (9) (17) +7.0%
Free cash flow 122 135 153 132 91 143 191 166 425 433 353 +15.1%
Balance, $m
Balance, $m Working capital 559 772 539 391 462 (979) (164) 713 302 363 547 (4.7%)
Net debt 1,493 1,578 1,325 965 703 (41) 1,197 1,837 2,258 2,347 2,600 +5.2%
Shareholders’ equity 1,252 1,299 1,359 1,414 1,620 1,697 1,598 1,691 2,601 2,833 2,864 +9.5%
Returns, %
Returns, % ROA 0.95 0.97 1.21 1.15 0.85 1.26 1.27 0.92 0.60 1.19 1.22 +0.2 pt
ROIC 2.84 3.05 3.35 3.86 3.43 8.57 5.46 3.25 2.66 4.92 4.82 +2.1 pt
ROE 7.17 7.37 8.91 8.12 6.39 10.13 10.66 7.81 5.38 10.72 11.01 +3.6 pt
People
People Employees 1,057 1,054 1,044 1,015 1,200 1,159 1,153 1,142 1,801 1,866 — +6.5%
Revenue/emp, $m 0.34 0.36 0.40 0.43 0.36 0.42 0.48 0.61 0.63 0.74 — +9.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Provident Financial Services, Inc vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
BKU BankUnited, Inc. $3.2B 11.9× 11.2× −5.99% (below 0%: shrinking) +6.25% (above 0%: growing) +9.39% (above 0%: growing) 62.35% 0.00% Compare
FHB First Hawaiian, Inc. $3.1B 11.2× 12.4× −2.99% (below 0%: shrinking) −11.86% (below 0%: shrinking) +105.64% (above 0%: growing) 79.21% 0.00% Compare
PFS Provident Financial Services, Inc $3.0B 9.7× 9.5× +4.27% (above 0%: growing) −3.56% (below 0%: shrinking) −40.48% (below 0%: shrinking) 64.68% 0.00%
CLBK Columbia Financial $3.0B 32.8× 20.1× +5.07% (above 0%: growing) +15.99% (above 0%: growing) +34.28% (above 0%: growing) 55.42% 0.00% Compare
BANC Banc of California, Inc. $2.9B — (loss-making) — (loss-making) +1.56% (above 0%: growing) +37.95% (above 0%: growing) +158.46% (above 0%: growing) 64.08% 0.00% Compare
CUBI Customers Bancorp, Inc $2.8B 9.9× 9.9× +2.67% (above 0%: growing) +2.19% (above 0%: growing) −34.56% (below 0%: shrinking) 59.54% 0.00% Compare
NBTB NBT Bancorp Inc. $2.8B 12.7× 12.4× +1.43% (above 0%: growing) +7.69% (above 0%: growing) +37.10% (above 0%: growing) 79.49% 0.00% Compare
Median of peers $3.0B 12.7× 12.4× +2.12% +7.63% +21.84% 68.57% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 8 April 2026

Ownership

Directors and executive officers, together 3.02%
BlackRock, Inc. 14.90%
The Vanguard Group 11.60%
Dimensional Fund Advisors LP Building One 6.00%
State Street Corporation State Street Financial Center 5.40%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Provident Financial Services, Inc (PFS) Latest News

30 Oct

Impact 3 · · MarketBeat transcript

29 Oct

Impact 4 · · The Motley Fool transcript
Impact 3 · · Moby

28 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Associated Press

27 Oct

Impact 3 · · StockStory
Impact 3 · · Zacks

26 Oct

Impact 3 · · Zacks

21 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · StockStory

29 Sep

Impact 3 · · GlobeNewswire

26 Sep

Impact 3 · · Simply Wall St.

25 Sep

Impact 3 · · Simply Wall St.

31 Jul

Impact 3 · · MarketBeat

30 Jul

Impact 3 ·
Impact 3 ·

29 Jul

Impact 3 ·
Impact 3 ·

2 Jul

Impact 3 ·

5 Jun

Impact 3 · · StockStory

2 May

Impact 4 · · MarketBeat
Impact 3 ·
Impact 3 · · StockStory

30 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

29 Apr

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

PFS metrics, ten years each

stockrow.com/PFS · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com