Friday 6 November 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.

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

Quarter to September 2026, against a year earlier

22.92 0.02 −0.09%

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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

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	20.70	18.53	13.19	14.09	13.30	11.06	9.14	10.60	17.97	8.86
Piotroski F-Score Full definition →	4	7	6	6	5	5	7	5	5	7
P/S ratio Full definition →	5.08	4.59	3.74	3.66	2.87	3.79	2.90	1.95	1.81	1.86
P/FCF ratio Full definition →	14.86	12.92	10.27	12.06	13.66	12.95	8.40	8.17	4.87	5.95
P/Operating CF Full definition →	42.44	65.23	68.25	56.29	21.29	53.85	37.81	29.30	8.65	37.37
P/B ratio Full definition →	1.45	1.34	1.15	1.13	0.77	1.09	1.00	0.80	0.80	0.91
Price to Tangible BV Full definition →	2.19	1.98	1.67	1.63	1.08	1.50	1.41	1.10	1.16	1.26
EV/Sales Full definition →	9.26	8.75	6.91	5.88	4.48	3.70	5.06	4.59	3.80	3.56
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	26.00	28.32	18.57	18.68	18.90	11.55	13.99	18.42	10.15	11.13
EV/FCF Full definition →	27.06	24.63	18.96	19.37	21.35	12.66	14.67	19.24	10.18	11.37
Quick Ratio Full definition →	0.02	0.03	0.02	0.03	0.05	0.06	0.02	0.02	0.01	0.01
Current Ratio Full definition →	1.09	1.12	1.08	1.06	1.05	0.91	0.98	1.07	1.02	1.02
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	17.23%	17.96%	15.09%	11.74%	9.56%	4.87%	10.04%	14.20%	10.25%	10.24%
Debt/Equity Full definition →	1.31	1.36	1.08	0.81	0.76	0.40	0.87	1.19	0.95	0.90
Asset Turnover Full definition →	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.06
Operating CF/Net income Full definition →	1.45	1.25	1.32	1.22	1.07	0.93	1.14	1.35	3.69	1.52
Capex/Depreciation Full definition →	(0.23)	0.98	(0.23)	(0.36)	(0.94)	(0.64)	(0.56)	(0.64)	(0.03)	(0.15)
ROE Full definition →	7.17%	7.37%	8.91%	8.12%	6.39%	10.13%	10.66%	7.81%	5.38%	10.72%
ROA Full definition →	0.95%	0.97%	1.21%	1.15%	0.85%	1.26%	1.27%	0.92%	0.60%	1.19%
ROIC Full definition →	2.84%	3.05%	3.35%	3.86%	3.43%	8.57%	5.46%	3.25%	2.66%	4.92%
Return on Tangible Assets Full definition →	13.65%	11.25%	19.82%	25.27%	18.01%	(18.70%)	(209.21%)	16.37%	27.42%	61.18%
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	2.15%	2.57%	2.57%	2.62%	1.82%	2.04%	2.48%	1.55%	1.07%	0.76%
Graham Net Nets Full definition →	(0.62)	(0.61)	(0.64)	(0.57)	(0.80)	(0.99)	(1.11)	(1.12)	(1.22)	(0.97)
Graham Number Full definition →	24.71	25.74	29.35	29.35	26.60	33.07	33.63	29.48	23.67	33.01
Earnings Yield Full definition →	4.83%	5.40%	7.58%	7.10%	7.52%	9.04%	10.94%	9.43%	5.56%	11.29%
Free Cash Flow Yield Full definition →	6.73%	7.74%	9.74%	8.29%	7.32%	7.72%	11.90%	12.23%	20.54%	16.81%
Revenue per Share Full definition →	5.62	5.89	6.44	6.74	6.27	6.40	7.42	9.29	10.40	10.60
Operating CF per Share Full definition →	2.00	1.82	2.40	2.12	1.49	2.05	2.68	2.32	3.89	3.39
Capex per Share Full definition →	(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 Full definition →	1.92	2.09	2.35	2.04	1.31	1.87	2.56	2.22	3.88	3.32
Cash per Share Full definition →	2.27	2.96	2.20	2.89	7.65	9.32	2.50	2.41	1.88	1.62
Shareholders Equity per Share Full definition →	19.67	20.17	20.93	21.88	23.29	22.19	21.39	22.59	23.72	21.72
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	19.67	20.17	20.93	21.88	23.29	22.19	21.39	22.59	23.72	21.72
Free Cash Flow Full definition →	122.33	134.76	152.58	132.04	91.42	143.05	190.92	166.01	425.07	433.07
Working Capital Full definition →	559.35	771.84	539.04	390.53	462.40	(978.67)	(163.75)	713.22	301.68	362.61
Capital Expenditures Full definition →	(4.98)	17.54	(3.14)	(4.88)	(11.88)	(13.76)	(9.39)	(7.38)	(1.31)	(9.19)
Net Current Asset Value Full definition →	(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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.01	(0.05)	0.01	0.01	0.03	0.03	0.02	0.01	0.00	0.01
Price to Operating Income Full definition →	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 Full definition →	0.26	0.28	0.24	0.24	0.17	0.26	0.21	0.16	0.35	0.54
Cash ROIC Full definition →	4.03%	4.14%	5.14%	4.80%	2.70%	4.64%	6.03%	4.27%	8.06%	7.73%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.02	0.03	0.03
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	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 Full definition →	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 Full definition →	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

Show all line items

Columns are period end dates · fundamentals updated 2 Nov 2026

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