Provident Financial Services, Inc. Common Stock (PFS) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$0.56	$0.61	+8.9%	—	$234.7M	—
Q1 26	$0.55	$0.61	+10.9%	—	$225.2M	—
Q4 25	$0.56	$0.64	+14.3%	—	$225.7M	—
Q3 25	$0.54	$0.55	+1.9%	—	$221.8M	—
Q2 25	$0.5	$0.55	+10.0%	—	$214.2M	—
Q1 25	$0.47	$0.51	+8.5%	—	$208.8M	—
Q4 24	$0.5	$0.49	-2.0%	—	—	—
Q3 24	$0.47	$0.36	-23.4%	—	—	—
Q2 24	$0.37	-$0.11	-129.7%	—	$163.8M	—
Q1 24	$0.4	$0.43	+7.5%	—	$114.5M	—
Q4 23	$0.4	$0.36	-10.0%	—	$114.8M	—
Q3 23	$0.38	$0.41	+7.9%	—	$115.6M	—
Q2 23	$0.43	$0.43	0.0%	—	$118.5M	—
Q1 23	$0.58	$0.54	-6.9%	—	$130.5M	—
Q4 22	$0.63	$0.66	+4.8%	—	$132.3M	—
Q3 22	$0.58	$0.58	0.0%	—	$137.9M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$2.23	—	—	$870.4M	—
FY24	—	$1.05	—	—	$694.7M	—
FY23	—	$1.72	—	—	$479.3M	—
FY22	—	$2.35	—	—	$505.3M

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$314M	$333.9M	$359.4M	$361.8M	$385M	$452.8M	$505.3M	$479.3M	$694.7M	$870.4M
YoY change	+2.9%	+6.35%	+7.62%	+0.67%	+6.42%	+17.6%	+11.6%	-5.16%	+45%	+25.3%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	314M	333.9M	359.4M	361.8M	385M	452.8M	505.3M	479.3M	694.7M	870.4M
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	114.7M	117.1M	118.8M	122.3M	138.4M	153.6M	157.6M	161.9M	236.5M	271.6M
Operating expenses	114.7M	117.1M	118.8M	122.3M	138.4M	153.6M	157.6M	161.9M	236.5M	271.6M
Operating income	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—
Pretax income	124.8M	140.5M	143.9M	147.1M	127.6M	227.1M	240.1M	175.8M	149.6M	408.2M
Income tax	37M	46.5M	25.5M	34.5M	30.6M	59.2M	64.5M	47.4M	34.1M	117M
Net income	87.8M	93.9M	118.4M	112.6M	97M	167.9M	175.6M	128.4M	115.5M	291.2M
Net margin	28%	28.1%	32.9%	31.1%	25.2%	37.1%	34.8%	26.8%	16.6%	33.5%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	1.38	1.46	1.82	1.74	1.39	2.2	2.35	1.72	1.05	2.23
Diluted EPS	1.38	1.45	1.82	1.74	1.39	2.19	2.35	1.71	1.05	2.23

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	115.6M	114.8M	114.5M	163.8M	—	—	208.8M	214.2M	221.8M	225.7M	225.2M	234.7M
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	38.5M	42.8M	43.3M	59.2M	—	—	66.8M	68M	68.3M	68.5M	70M	72M
Operating expenses	38.5M	42.8M	43.3M	59.2M	—	—	66.8M	68M	68.3M	68.5M	70M	72M
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	37.4M	39.8M	43M	-21.3M	—	—	91.9M	102.4M	101.6M	112.2M	110.2M	106.1M
Income tax	8.8M	12.5M	10.9M	-9.8M	—	—	27.8M	30.5M	29.9M	28.8M	30.8M	27.9M
Net income	28.5M	27.3M	32.1M	-11.5M	—	—	64M	72M	71.7M	83.4M	79.4M	78.1M
Net margin	24.7%	23.8%	28%	-7.01%	—	—	30.7%	33.6%	32.3%	37%	35.3%	33.3%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	0.38	0.36	0.43	-0.11	0.36	0.37	0.49	0.55	0.55	0.64	0.61	0.6
Diluted EPS	0.38	0.36	0.43	-0.11	0.36	0.37	0.49	0.55	0.55	0.64	0.61	0.6

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	1.8B	1.7B	1.6B	1.6B	1.2B	1.9B	1.6B	1.3B	—	—	2.9B
Enterprise value	2.1B	2.1B	1.7B	1.5B	712.4M	-397.9M	855.4M	937.6M	—	—	5.6B
Shares outstanding	63.6M	64.4M	64.9M	64.6M	69.5M	76.5M	74.7M	74.8M	109.7M	130.5M	130.5M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	20.5	18.5	13.2	14.1	12.9	11	9.08	10.5	—	—	9.38
P/S	5.74	5.2	4.36	4.4	3.24	4.09	3.16	2.82	—	—	3.28
P/B	1.44	1.34	1.15	1.13	0.77	1.09	1	0.8	—	—	1.01
EV/Sales	6.6	6.31	4.68	4.13	1.85	-0.88	1.69	1.96	—	—	6.29
Earnings yield	4.87%	5.41%	7.55%	7.07%	7.76%	9.07%	11%	9.51%	—	—	10.7%
FCF yield	6.79%	6.56%	9.74%	8.29%	7.24%	7.72%	12%	12.3%	—	—	9.91%
PEG	—	—	—	—	—	—	—	—	—	—	1.03

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	—	—	—	—	—	—	—	—	—	—	52.3%
Net margin	28%	28.1%	32.9%	31.1%	25.2%	37.1%	34.8%	26.8%	16.6%	33.5%	35%
ROE	7.01%	7.23%	8.71%	7.97%	5.99%	9.89%	11%	7.59%	4.44%	10.3%	11.1%
ROA	—	—	—	—	—	—	—	—	0.48%	1.17%	1.25%
Return on tangible assets	—	—	—	—	—	—	—	—	0.52%	1.24%	1.26%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Debt / equity	1.16	1.23	0.97	0.75	0.68	0.31	0.78	0.86	0.89	0.86	0.01
Debt / assets	—	—	—	—	—	—	—	—	0.1	0.1	0.11
Effective tax rate	29.6%	33.1%	17.7%	23.4%	24%	26.1%	26.8%	27%	22.8%	28.7%	27.3%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	4.93	5.19	5.53	5.6	5.54	5.92	6.76	6.4	6.33	6.67	6.85
EPS (basic)	1.38	1.46	1.82	1.74	1.39	2.2	2.35	1.72	1.05	2.23	2.23
EPS (diluted)	1.38	1.45	1.82	1.74	1.39	2.19	2.35	1.71	1.05	2.23	2.4
Book value per share	19.7	20.2	20.9	21.9	23.3	22.2	21.4	22.6	23.7	21.7	22.3
FCF per share	1.92	1.77	2.35	2.04	1.3	1.87	2.56	2.22	3.88	3.3	2.69
Cash per share	18.6	19.1	18.6	18	23.5	36.2	26.6	25	27.1	2.49	2.64
Capex per share	0.08	0.27	0.05	0.08	0.17	0.18	0.13	0.1	0.01	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	1.59%	5.25%	0.87%	1.35%	3.09%	3.04%	1.86%	1.54%	0.19%	—	—
Capex / operating cash flow	4.32%	16.4%	2.38%	4.01%	16.3%	7.95%	4.86%	5.01%	0.39%	—	—
Payout ratio	51.7%	63.8%	45.3%	64.6%	67.9%	42.6%	41%	56.4%	87.4%	43.2%	40%
Dividend yield	2.52%	3.45%	3.42%	4.57%	5.27%	3.86%	4.51%	5.37%	—	—	4.26%

Yield

4.26%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.24

ex-dividend Aug 14, 2026

Payout ratio

40%

of earnings

Dividend growth

0 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Aug 14, 2026	$0.24
May 15, 2026	$0.24
Feb 13, 2026	$0.24

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$115.6M	$114.8M	$114.5M	$163.8M	—	—	$208.8M	$214.2M	$221.8M	$225.7M	$225.2M	$234.7M
YoY change	-16.2%	-13.3%	-12.3%	+38.2%	—	—	+82.4%	+30.8%	—	—	+7.87%	+9.56%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	1.2B	1.2B	1.2B	1.2B	1.6B	2.8B	2B	1.9B	3B	324.9M
Receivables	27.1M	29.6M	31.5M	29M	46.5M	42M	51.9M	59M	91.2M	95.8M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	3M	4.7M	-227K	-4.5M	3.6M	5.4M	4.8M	-1.9M	-9.3M	-14M
Goodwill & intangibles	845.9M	840.6M	836.4M	874M	932.4M	928.4M	921.8M	915.9M	1.6B	1.6B
Total assets	—	—	—	—	—	—	—	—	24.1B	25B
Accounts payable	—	—	—	—	—	—	—	—	—	—
Short-term debt	—	—	—	—	—	—	—	—	—	—
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	1.5B	1.6B	1.3B	1.1B	1.1B	520.3M	1.2B	1.5B	2.3B	2.4B
Total liabilities	—	—	—	—	—	—	—	—	21.5B	22.1B
Shareholders' equity	1.3B	1.3B	1.4B	1.4B	1.6B	1.7B	1.6B	1.7B	2.6B	2.8B
Total debt	1.5B	1.6B	1.3B	1.1B	1.1B	520.3M	1.2B	1.5B	2.3B	2.4B
Net debt	1.3B	1.4B	1.2B	877.7M	568.8M	-192.2M	1.1B	1.3B	2.1B	2.2B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	2.1B	2B	1.8B	1.9B	1.8B	2.9B	3.1B	3.3B	3.4B	324.9M	361.8M	3.2B
Receivables	52M	53.8M	55.7M	59M	58.7M	93.8M	91.8M	92.7M	94.6M	95.8M	97.7M	98.1M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	—	-1.9M	—	—	—	—	—	-14M	—	—
Goodwill & intangibles	460.1M	459.4M	458.7M	915.9M	457.2M	851.5M	809.7M	800.2M	790.7M	1.6B	773.6M	765M
Total assets	—	—	—	—	14.1B	24.1B	24.2B	24.5B	24.8B	25B	25.2B	25.7B
Accounts payable	—	—	—	—	—	—	—	—	—	—	—	—
Short-term debt	—	—	—	—	—	—	—	—	—	—	—	—
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	1.5B	1.8B	2B	1.5B	1.4B	2.1B	2.6B	2.7B	2.5B	2.4B	2.8B	2.7B
Total liabilities	—	—	—	—	12.4B	21.5B	21.6B	21.8B	22.1B	22.1B	22.3B	22.8B
Shareholders' equity	1.6B	1.6B	1.6B	1.7B	1.7B	2.6B	2.7B	2.7B	2.8B	2.8B	2.9B	2.9B
Total debt	1.5B	1.8B	2B	1.5B	1.4B	2.1B	2.6B	2.7B	2.5B	2.4B	2.8B	2.7B
Net debt	1.3B	1.6B	1.8B	1.3B	1.3B	1.8B	2.4B	2.4B	2.2B	2.2B	2.6B	2.5B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	87.8M	93.9M	118.4M	112.6M	97M	167.9M	175.6M	128.4M	115.5M	291.2M
Depreciation & amortization	12.8M	11.6M	10.1M	18.8M	20M	22.7M	23.7M	22.2M	54.6M	65.5M
Stock-based compensation	7.7M	9.8M	10.8M	11.4M	7.9M	10M	13.7M	10.8M	12.2M	10.5M
Change in working capital	1.8M	-48.5M	8.3M	-18.5M	-38.5M	-33.4M	-5.7M	-11M	35.6M	-70.2M
Operating cash flow	115.3M	106.8M	131.9M	121.9M	72.9M	173.1M	193.3M	147.3M	337.3M	442.3M
Capital expenditure	-5M	17.5M	-3.1M	-4.9M	-11.9M	-13.8M	-9.4M	-7.4M	-1.3M	—
Investing cash flow	-111.2M	16.1M	-31.3M	122.7M	213.6M	-964.6M	8.6M	163.3M	701.7M	-225.1M
Dividends paid	-45.4M	-60M	-53.6M	-72.8M	-65.8M	-71.5M	-72M	-72.4M	-101M	-125.9M
Share repurchases	-1.6M	-443K	-13.2M	-19.9M	-21.2M	-20.7M	-46.5M	0	0	0
Financing cash flow	-141.4M	70.7M	-558.1M	-420.2M	-238.3M	-656.4M	592M	560.2M	-615.3M	-34.4M
Net change in cash	-137.3M	193.6M	-457.4M	-175.6M	48.2M	-1.4B	794M	870.9M	423.7M	182.7M
Free cash flow	122.3M	114M	152.6M	132M	90.5M	143M	190.9M	165.9M	425.1M	430.7M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	40.5M	32M	—	—	—	—	—	—	71.7M	83.4M	79.4M	78.1M
Depreciation & amortization	5.7M	5.5M	—	—	—	—	—	—	16.4M	15.8M	15.5M	15.4M
Stock-based compensation	3.9M	2.8M	—	—	—	—	—	—	2.6M	3M	2.7M	2.4M
Change in working capital	3.7M	-15.9M	—	—	—	—	—	—	5.9M	-39.3M	-15.5M	15.9M
Operating cash flow	55.3M	15.4M	—	—	—	—	—	—	98M	68.9M	84.7M	118.8M
Capital expenditure	-551K	-2.3M	—	—	—	—	—	—	—	—	—	—
Investing cash flow	6.3M	38.2M	65.3M	54.8M	54.9M	658.8M	166.6M	107.3M	-59.4M	14.6M	-91.6M	-45.1M
Dividends paid	-18.6M	-18.1M	—	—	—	—	—	—	-31.3M	-31.3M	-31.4M	-30.4M
Share repurchases	-1.7M	1.7M	—	—	—	—	—	—	—	—	-10.3M	0
Financing cash flow	227.2M	248.4M	—	—	—	—	—	—	-209.9M	-115.5M	329.4M	-105.8M
Net change in cash	288.8M	302M	65.3M	54.8M	54.9M	658.8M	166.6M	107.3M	-171.3M	-31.9M	322.5M	-32M
Free cash flow	57.5M	25M	—	—	—	—	—	—	96.7M	64.1M	81M	108.6M

Provident Financial Services, Inc. Common Stock Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement