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%
Follow PFS
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.70 | 18.53 | 13.19 | 14.09 | 13.30 | 11.06 | 9.14 | 10.60 | 17.97 | 8.86 |
Piotroski F-Score |
4 | 7 | 6 | 6 | 5 | 5 | 7 | 5 | 5 | 7 |
P/S ratio |
5.08 | 4.59 | 3.74 | 3.66 | 2.87 | 3.79 | 2.90 | 1.95 | 1.81 | 1.86 |
P/FCF ratio |
14.86 | 12.92 | 10.27 | 12.06 | 13.66 | 12.95 | 8.40 | 8.17 | 4.87 | 5.95 |
P/Operating CF |
42.44 | 65.23 | 68.25 | 56.29 | 21.29 | 53.85 | 37.81 | 29.30 | 8.65 | 37.37 |
P/B ratio |
1.45 | 1.34 | 1.15 | 1.13 | 0.77 | 1.09 | 1.00 | 0.80 | 0.80 | 0.91 |
Price to Tangible BV |
2.19 | 1.98 | 1.67 | 1.63 | 1.08 | 1.50 | 1.41 | 1.10 | 1.16 | 1.26 |
EV/Sales |
9.26 | 8.75 | 6.91 | 5.88 | 4.48 | 3.70 | 5.06 | 4.59 | 3.80 | 3.56 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
26.00 | 28.32 | 18.57 | 18.68 | 18.90 | 11.55 | 13.99 | 18.42 | 10.15 | 11.13 |
EV/FCF |
27.06 | 24.63 | 18.96 | 19.37 | 21.35 | 12.66 | 14.67 | 19.24 | 10.18 | 11.37 |
Quick Ratio |
0.02 | 0.03 | 0.02 | 0.03 | 0.05 | 0.06 | 0.02 | 0.02 | 0.01 | 0.01 |
Current Ratio |
1.09 | 1.12 | 1.08 | 1.06 | 1.05 | 0.91 | 0.98 | 1.07 | 1.02 | 1.02 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
17.23% | 17.96% | 15.09% | 11.74% | 9.56% | 4.87% | 10.04% | 14.20% | 10.25% | 10.24% |
Debt/Equity |
1.31 | 1.36 | 1.08 | 0.81 | 0.76 | 0.40 | 0.87 | 1.19 | 0.95 | 0.90 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.45 | 1.25 | 1.32 | 1.22 | 1.07 | 0.93 | 1.14 | 1.35 | 3.69 | 1.52 |
Capex/Depreciation |
(0.23) | 0.98 | (0.23) | (0.36) | (0.94) | (0.64) | (0.56) | (0.64) | (0.03) | (0.15) |
| 7.17% | 7.37% | 8.91% | 8.12% | 6.39% | 10.13% | 10.66% | 7.81% | 5.38% | 10.72% | |
| 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% |
Return on Tangible Assets |
13.65% | 11.25% | 19.82% | 25.27% | 18.01% | (18.70%) | (209.21%) | 16.37% | 27.42% | 61.18% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
51.94% | 50.26% | 50.97% | 48.69% | 58.30% | 45.40% | 46.54% | 42.08% | 40.28% | 30.75% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
2.15% | 2.57% | 2.57% | 2.62% | 1.82% | 2.04% | 2.48% | 1.55% | 1.07% | 0.76% |
Graham Net Nets |
(0.62) | (0.61) | (0.64) | (0.57) | (0.80) | (0.99) | (1.11) | (1.12) | (1.22) | (0.97) |
Graham Number |
24.71 | 25.74 | 29.35 | 29.35 | 26.60 | 33.07 | 33.63 | 29.48 | 23.67 | 33.01 |
Earnings Yield |
4.83% | 5.40% | 7.58% | 7.10% | 7.52% | 9.04% | 10.94% | 9.43% | 5.56% | 11.29% |
Free Cash Flow Yield |
6.73% | 7.74% | 9.74% | 8.29% | 7.32% | 7.72% | 11.90% | 12.23% | 20.54% | 16.81% |
Revenue per Share |
5.62 | 5.89 | 6.44 | 6.74 | 6.27 | 6.40 | 7.42 | 9.29 | 10.40 | 10.60 |
Operating CF per Share |
2.00 | 1.82 | 2.40 | 2.12 | 1.49 | 2.05 | 2.68 | 2.32 | 3.89 | 3.39 |
Capex per Share |
(0.08) | 0.27 | (0.05) | (0.08) | (0.17) | (0.18) | (0.13) | (0.10) | (0.01) | (0.07) |
Free Cash Flow per Share |
1.92 | 2.09 | 2.35 | 2.04 | 1.31 | 1.87 | 2.56 | 2.22 | 3.88 | 3.32 |
Cash per Share |
2.27 | 2.96 | 2.20 | 2.89 | 7.65 | 9.32 | 2.50 | 2.41 | 1.88 | 1.62 |
Shareholders Equity per Share |
19.67 | 20.17 | 20.93 | 21.88 | 23.29 | 22.19 | 21.39 | 22.59 | 23.72 | 21.72 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.67 | 20.17 | 20.93 | 21.88 | 23.29 | 22.19 | 21.39 | 22.59 | 23.72 | 21.72 |
Free Cash Flow |
122.33 | 134.76 | 152.58 | 132.04 | 91.42 | 143.05 | 190.92 | 166.01 | 425.07 | 433.07 |
Working Capital |
559.35 | 771.84 | 539.04 | 390.53 | 462.40 | (978.67) | (163.75) | 713.22 | 301.68 | 362.61 |
Capital Expenditures |
(4.98) | 17.54 | (3.14) | (4.88) | (11.88) | (13.76) | (9.39) | (7.38) | (1.31) | (9.19) |
Net Current Asset Value |
(1,135.70) | (1,060.61) | (997.63) | (901.60) | (999.71) | (1,828.77) | (1,786.46) | (1,514.48) | (2,525.13) | (2,506.21) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | (0.05) | 0.01 | 0.01 | 0.03 | 0.03 | 0.02 | 0.01 | 0.00 | 0.01 |
Price to Operating Income |
14.57 | 12.40 | 10.89 | 10.83 | 9.79 | 8.16 | 6.57 | 7.39 | 10.02 | 6.31 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.26 | 0.28 | 0.24 | 0.24 | 0.17 | 0.26 | 0.21 | 0.16 | 0.35 | 0.54 |
Cash ROIC |
4.03% | 4.14% | 5.14% | 4.80% | 2.70% | 4.64% | 6.03% | 4.27% | 8.06% | 7.73% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.02 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
54,678.49 | 53,690.98 | 42,144.85 | 35,272.90 | 70,770.17 | 112,909.29 | 79,284.01 | 17,363.02 | 15,257.74 | 13,737.98 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
6,238.81 | 6,633.90 | 6,772.14 | 6,966.37 | 8,470.22 | 10,535.92 | 10,898.52 | 10,427.77 | 14,458.16 | 18,951.25 |
Average Assets |
9,206.06 | 9,672.87 | 9,785.52 | 9,767.17 | 11,364.16 | 13,350.47 | 13,782.32 | 13,997.13 | 19,131.32 | 24,516.27 |
Average Common Equity |
1,223.92 | 1,275.22 | 1,328.82 | 1,386.41 | 1,516.82 | 1,658.45 | 1,647.40 | 1,644.15 | 2,145.90 | 2,717.21 |
Columns are period end dates