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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. 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%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Provident Financial Services, Inc (PFS) Latest News

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stockrow.com/PFS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com