PFS · Provident Financial Services Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $20.61M | - | $17.73M | $18.28M | $18.87M | - | $17.85M | $17.64M | $16.29M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $11.83M | - | - | - | $13.16M | - | - | - | $2.80M | - |
| Operating Income | $110.17M | - | $101.61M | $102.44M | $91.85M | - | $65.25M | ($21.32M) | $42.97M | - |
| Interest Expense | - | - | - | - | - | - | - | $106.31M | $70.19M | - |
| Income Tax | $30.75M | - | $29.89M | $30.46M | $27.82M | - | $18.85M | ($9.83M) | $10.89M | - |
| Net Income | $79.42M | - | $71.72M | $71.98M | $64.03M | - | $46.41M | ($11.48M) | $32.08M | - |
| EPS - Basic | $0.61 | - | $0.55 | $0.55 | $0.49 | - | $0.36 | ($0.11) | $0.43 | - |
| EPS - Diluted | $0.61 | - | $0.55 | $0.55 | $0.49 | - | $0.36 | ($0.11) | $0.43 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $222.08M | $209.06M | $299.19M | $257.95M | $234.08M | $205.87M | $244.02M | $290.49M | $158.28M | $180.19M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $25.20B | $24.98B | $24.83B | $24.55B | $24.22B | $24.05B | $24.04B | $24.07B | $14.13B | $14.21B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $22.34B | $22.15B | $22.07B | $21.84B | $21.57B | $21.45B | $21.42B | $21.51B | $12.44B | $12.52B |
| Stockholders' Equity | $2.86B | $2.83B | $2.77B | $2.71B | $2.66B | $2.60B | $2.62B | $2.56B | $1.70B | $1.69B |
| Retained Earnings | $1.20B | $1.15B | $1.10B | $1.06B | $1.02B | $989.11M | $973.00M | $957.98M | $988.48M | $974.54M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $84.65M | - | - | - | $88.52M | - | - | - | $41.41M | - |
| Investing Cash Flow | ($232.39M) | - | - | - | ($176.48M) | - | - | - | $54.58M | - |
| Financing Cash Flow | $158.34M | - | - | - | $116.10M | - | - | - | ($117.89M) | - |
| CapEx | $3.69M | - | - | - | $1.14M | - | - | - | $536.0K | - |
| Free Cash Flow | $80.96M | - | - | - | $87.37M | - | - | - | $40.87M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 534.6% | - | 573.3% | 560.5% | 486.8% | - | 365.6% | -120.9% | 263.9% | - |
| EBITDA margin | 592.0% | - | - | - | 556.5% | - | - | - | 281.1% | - |
| Net margin | 385.4% | - | 404.6% | 393.8% | 339.3% | - | 260.0% | -65.1% | 197.0% | - |
| Free cash flow margin | 392.8% | - | - | - | 463.0% | - | - | - | 251.0% | - |
| FCF / Net income | 1.02 | - | - | - | 1.36 | - | - | - | 1.27 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 27.9% | - | 29.4% | 29.7% | 30.3% | - | 28.9% | - | 25.3% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | 0.2% | -0.0% | 0.2% | - |
| Return on equity | 2.8% | - | 2.6% | 2.7% | 2.4% | - | 1.8% | -0.4% | 1.9% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | -0.2x | 0.6x | - |
| Equity multiplier | 8.80 | 8.82 | 8.97 | 9.07 | 9.11 | 9.25 | 9.17 | 9.42 | 8.34 | 8.41 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.88 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 34.7x | - | 35.1x | 31.9x | 35.0x | - | 51.6x | - | 33.9x | - |
| P / B | 1.0x | - | 0.9x | 0.8x | 0.8x | - | 0.9x | 0.6x | 0.6x | - |
| P / S | 134.1x | - | 142.0x | 125.2x | 118.6x | - | 135.2x | 83.8x | 67.3x | - |
| EV / EBITDA | 20.8x | - | - | - | 19.1x | - | - | - | 20.5x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 9.2% | - | -0.7% | 3.6% | 15.9% | - | 25.7% | 21.0% | 8.0% | - |
| Revenue CAGR (3y) | 11.0% | - | 9.0% | 9.9% | 8.9% | - | 8.0% | 4.7% | 4.8% | - |
| Revenue CAGR (5y) | 7.8% | - | 6.9% | 14.4% | 12.6% | - | 10.3% | 9.9% | 13.7% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 19.9% | - | 55.7% | - | 113.8% | - | 74.5% | - | -21.9% | - |
| Net income growth (YoY) | 24.0% | - | 54.6% | - | 99.6% | - | 62.6% | - | -20.9% | - |
| EPS growth (YoY) | 24.5% | - | 52.8% | - | 14.0% | - | -5.3% | - | -20.4% | - |
| EPS CAGR (3y) | 4.1% | - | -1.8% | 1.2% | -5.5% | - | -9.8% | - | -12.0% | - |
| EPS CAGR (5y) | -0.6% | - | 8.3% | 20.1% | 16.3% | - | -6.0% | - | -2.2% | - |
| FCF growth (YoY) | -7.3% | - | - | - | 113.8% | - | - | - | -28.9% | - |
| FCF CAGR (5y) | 18.6% | - | - | - | 22.5% | - | - | - | 5.8% | - |
| Book value growth (YoY) | 7.7% | 8.9% | 5.6% | 5.9% | 56.8% | 53.9% | 61.5% | 55.6% | 3.4% | 5.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$98.67M totalWealth Management Fees$29.25M · 29.6%
Banking$25.56M · 25.9%
Deposit Account$20.55M · 20.8%
Insurance Commissions And Fees$18.30M · 18.5%
Debit Card$5.01M · 5.1%
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing PROVIDENT FINANCIAL SERVICES INC against the 5 most active filers in the same SIC group.
Dividends
$0.96/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.2400 |
| Feb 13, 2026 | $0.2400 |
| Nov 14, 2025 | $0.2400 |
| Aug 15, 2025 | $0.2400 |
| May 16, 2025 | $0.2400 |
| Feb 14, 2025 | $0.2400 |
| Nov 15, 2024 | $0.2400 |
| Aug 16, 2024 | $0.2400 |
| Apr 26, 2024 | $0.2400 |
| Feb 8, 2024 | $0.2400 |
| Nov 9, 2023 | $0.2400 |
| Aug 10, 2023 | $0.2400 |
| May 11, 2023 | $0.2400 |
| Feb 9, 2023 | $0.2400 |
| Nov 9, 2022 | $0.2400 |
| Aug 11, 2022 | $0.2400 |
| May 12, 2022 | $0.2400 |
| Feb 10, 2022 | $0.2400 |
| Nov 10, 2021 | $0.2400 |
| Aug 12, 2021 | $0.2300 |
| May 13, 2021 | $0.2300 |
| Feb 11, 2021 | $0.2300 |
| Nov 12, 2020 | $0.2300 |
| Aug 13, 2020 | $0.2300 |