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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $73.11M | $68.29M | $57.52M | $54.99M | $57.56M | $45.53M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $51.32M | $41.50M | $11.70M | $13.08M | $12.66M | $11.01M |
| Operating Income | $408.16M | $149.62M | $175.78M | $240.11M | $127.55M | $127.55M |
| Interest Expense | - | - | $216.37M | $48.63M | $36.32M | $50.74M |
| Income Tax | $117.00M | $34.09M | $47.38M | $64.46M | $59.20M | $30.60M |
| Net Income | $291.16M | $115.53M | $128.40M | $175.65M | $167.92M | $96.95M |
| EPS - Basic | $2.23 | $1.05 | $1.72 | $2.35 | $2.20 | $1.39 |
| EPS - Diluted | $2.23 | $1.05 | $1.71 | $2.35 | $2.19 | $1.39 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $209.06M | $205.87M | $180.19M | $186.44M | $685.16M | $532.35M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $24.98B | $24.05B | $14.21B | $13.78B | $13.78B | $12.92B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $22.15B | $21.45B | $12.52B | $12.19B | $12.08B | $11.30B |
| Stockholders' Equity | $2.83B | $2.60B | $1.69B | $1.60B | $1.70B | $1.62B |
| Retained Earnings | $1.15B | $989.11M | $974.54M | $918.16M | $814.53M | $718.09M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $442.26M | $426.38M | $173.40M | $200.31M | $158.18M | $106.91M |
| Investing Cash Flow | ($1.05B) | $507.67M | ($469.60M) | ($647.56M) | ($717.94M) | ($507.98M) |
| Financing Cash Flow | $615.62M | ($908.37M) | $289.95M | ($78.70M) | $739.86M | $746.68M |
| CapEx | $11.54M | $1.31M | $7.49M | $9.41M | $13.80M | $12.82M |
| Free Cash Flow | $430.73M | $425.07M | $165.91M | $190.90M | $144.38M | $94.09M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 558.3% | 219.1% | 305.6% | 436.7% | 221.6% | 280.1% |
| EBITDA margin | 628.5% | 279.9% | 325.9% | 460.4% | 243.6% | 304.3% |
| Net margin | 398.3% | 169.2% | 223.2% | 319.4% | 291.7% | 212.9% |
| Free cash flow margin | 589.2% | 622.5% | 288.4% | 347.2% | 250.8% | 206.6% |
| FCF / Net income | 1.48 | 3.68 | 1.29 | 1.09 | 0.86 | 0.97 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 28.7% | 22.8% | 27.0% | 26.8% | 26.1% | 24.0% |
| Return on assets | 1.2% | 0.5% | 0.9% | 1.3% | 1.2% | 0.8% |
| Return on equity | 10.3% | 4.4% | 7.6% | 11.0% | 9.9% | 6.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.8x | 4.9x | 3.5x | 2.5x |
| Equity multiplier | 8.82 | 9.25 | 8.41 | 8.63 | 8.12 | 7.98 |
| Liabilities / Assets | 0.89 | 0.89 | 0.88 | 0.88 | 0.88 | 0.87 |
| Efficiency | ||||||
| Asset turnover | 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 | 8.9x | 18.0x | 10.5x | 9.1x | 11.1x | 12.9x |
| P / B | 0.9x | 0.8x | 0.8x | 1.0x | 1.1x | 0.8x |
| P / S | 35.3x | 30.3x | 23.5x | 29.0x | 32.2x | 27.5x |
| EV / EBITDA | 5.2x | 9.8x | 6.2x | 5.6x | 8.3x | 5.2x |
| Growth | ||||||
| Revenue growth (YoY) | 7.1% | 18.7% | 4.6% | -4.5% | 26.4% | 10.1% |
| Revenue CAGR (3y) | 10.0% | 5.9% | 8.1% | 10.0% | 17.0% | - |
| Revenue CAGR (5y) | 9.9% | 10.6% | 9.9% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 172.8% | -14.9% | -26.8% | 88.2% | 0.0% | -13.3% |
| Net income growth (YoY) | 152.0% | -10.0% | -26.9% | 4.6% | 73.2% | -13.9% |
| EPS growth (YoY) | 112.4% | -38.6% | -27.2% | 7.3% | 57.6% | -20.1% |
| EPS CAGR (3y) | -1.7% | -21.7% | 7.2% | 10.5% | 6.4% | -1.4% |
| EPS CAGR (5y) | 9.9% | -9.6% | -1.2% | 10.1% | 9.7% | 0.9% |
| FCF growth (YoY) | 1.3% | 156.2% | -13.1% | 32.2% | 53.5% | -28.7% |
| FCF CAGR (5y) | 35.6% | 26.3% | 1.7% | 10.9% | 3.4% | -2.9% |
| Book value growth (YoY) | 8.9% | 53.9% | 5.8% | -5.9% | 4.8% | 14.6% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✓Asset turnover improved
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 |