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

Provident Financial Services, Inc (PFS) Free cash flow margin

Alert me on Free cash flow margin

Provident Financial Services, Inc's free cash flow margin over the twelve months to 30 September 2026 was 0.00%, down 31.3 percentage points from fiscal 2025 (31.3%). Over the past ten years it has ranged from 21.0% (fiscal 2020) to 37.3% (fiscal 2024); the current reading is higher than 45% of that period. That is below the Banks Regional industry median of 18.0% and below the Financial sector median of 11.4%.

Free cash flow margin, annual

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Annual newest first

Period Free cash flow margin Change (points)
FY2025 31.3% (5.96)
FY2024 37.3% 13.42
FY2023 23.9% (10.60)
FY2022 34.5% 5.22
FY2021 29.2% 8.26
FY2020 21.0% (9.36)
FY2019 30.3% (6.12)
FY2018 36.5% 0.96
FY2017 35.5% 1.30
FY2016 34.2% 2.80

Against its own ten years

Low 21.0% High 37.3%
Ten-year median 31.4%
Current reading's percentile 45

Free cash flow margin against peers

Company Free cash flow margin
FHB First Hawaiian, Inc. compare 31.5%
CLBK Columbia Financial compare 13.2%
PFS Provident Financial Services, Inc 0.00%
BANC Banc of California, Inc. compare 0.00%
SBCF Seacoast Banking Corporation of Florida compare 0.00%
PRK Park National Corporation compare 0.00%
BKU BankUnited, Inc. compare 0.00%
NBTB NBT Bancorp Inc. compare 0.00%
CUBI Customers Bancorp, Inc compare 0.00%
Banks Regional industry median 18.0%
Financial sector median 11.4%
Market median 0.00%

What Free cash flow margin is

Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.

(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue

The full definition of Free cash flow margin →

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