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Financials · PFS

Provident Financial Services Inc (PFS) financials

For the twelve months ended Jun 30, 2026, Provident Financial Services Inc reported $907.32M of revenue and $312.71M of net income.

Revenue, TTM
$907.32M
Revenue growth, YoY
+8.1%
Net income, TTM
$312.71M
Net income growth, YoY
+35.4%
Net margin
34.5%
Free cash flow, TTM
$350.36M
EPS, diluted, TTM
$2.40
Cash
$228.29M
P/E
10.35
P/S
3.57
Market cap
$3.24B
Annual revenue$870.40M
FY2016FY2025
Annual net income$291.16M
FY2016FY2025
Annual free cash flow$430.73M
FY2016FY2025

PFS revenue and earnings growth

PFS revenueQ2 2026$234.65M

Quarter YoY
+9.6%
QoQ
+4.2%
FY YoY
+25.3%
5Y CAGR
+17.7%
10Y CAGR
+11.1%

PFS revenue was $234.65M in fiscal Q2 2026 (ended Jun 30, 2026), up 9.6% from a year earlier and up 4.2% from the prior quarter. For the full fiscal 2025 it was $870.40M, up 25.3% from fiscal 2024. Compound annual growth was +17.7% over 5 years and +11.1% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

PFS net incomeQ2 2026$78.15M

Quarter YoY
+8.6%
QoQ
-1.6%
FY YoY
+152.0%
5Y CAGR
+24.6%
10Y CAGR
+13.3%

PFS net income was $78.15M in fiscal Q2 2026 (ended Jun 30, 2026), up 8.6% from a year earlier and down 1.6% from the prior quarter. For the full fiscal 2025 it was $291.16M, up 152.0% from fiscal 2024. Compound annual growth was +24.6% over 5 years and +13.3% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

PFS EPSQ2 2026$0.60

Quarter YoY
+9.1%
QoQ
-1.6%
FY YoY
+112.4%

PFS diluted EPS was $0.60 in fiscal Q2 2026 (ended Jun 30, 2026), up 9.1% from a year earlier and down 1.6% from the prior quarter. For the full fiscal 2025 it was $2.23, up 112.4% from fiscal 2024.

PFS free cash flowQ2 2026$108.61M

Quarter YoY
-40.5%
QoQ
+34.2%
FY YoY
+1.3%
5Y CAGR
+36.6%
10Y CAGR
+14.7%

PFS free cash flow was $108.61M in fiscal Q2 2026 (ended Jun 30, 2026), down 40.5% from a year earlier and up 34.2% from the prior quarter. For the full fiscal 2025 it was $430.73M, up 1.3% from fiscal 2024. Compound annual growth was +36.6% over 5 years and +14.7% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$870.40M$694.73M$479.28M$505.34M$452.83M$385.00M$361.77M$359.35M$333.90M$313.96M
Interest expense--$216.37M$48.63M$36.32M$50.74M$73.50M$59.15M$45.64M$43.75M
Pre-tax income$408.16M$149.62M$175.78M$240.11M$227.12M$127.55M$147.09M$143.92M$140.48M$124.78M
Income tax$117.00M$34.09M$47.38M$64.46M$59.20M$30.60M$34.45M$25.53M$46.53M$36.98M
Net income$291.16M$115.53M$128.40M$175.65M$167.92M$96.95M$112.63M$118.39M$93.95M$87.80M
EPS, basic$2.23$1.05$1.72$2.35$2.20$1.39$1.74$1.82$1.46$1.38
EPS, diluted$2.23$1.05$1.71$2.35$2.19$1.39$1.74$1.82$1.45$1.38
Diluted shares130.5M109.7M74.9M74.8M76.6M69.6M64.7M65.1M64.6M63.9M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$209.06M$205.87M$180.19M$186.44M$685.16M$418.05M$145.75M$104.68M$190.83M$144.30M
Goodwill$624.07M$624.07M$443.62M$443.62M$443.62M$443.00M$420.56M$411.60M$411.60M$411.60M
Total assets$24.98B$24.05B$14.21B$13.78B$13.78B$12.92B$9.81B$9.73B$9.85B$9.50B
Total liabilities$22.15B$21.45B$12.52B$12.19B$12.08B$11.30B$8.39B$8.37B$8.55B$8.25B
Shareholders' equity$2.83B$2.60B$1.69B$1.60B$1.70B$1.62B$1.41B$1.36B$1.30B$1.25B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$442.26M$426.38M$173.40M$200.31M$156.81M$103.30M$136.93M$155.72M$117.22M$127.31M
Capital expenditures$11.54M$1.31M$7.49M$9.41M$13.80M$12.82M$4.88M$3.16M$3.23M$5.00M
Free cash flow$430.73M$425.07M$165.91M$190.90M$143.01M$90.48M$132.04M$152.56M$113.99M$122.31M
Investing cash flow-$1.05B$507.67M-$469.60M-$647.56M-$716.57M-$504.37M$42.87M$46.70M-$306.34M-$580.80M
Financing cash flow$615.62M-$908.37M$289.95M-$78.70M$739.86M$746.68M-$135.71M-$250.60M$235.65M$495.56M
Dividends paid$125.91M$100.96M$72.45M$72.02M$71.48M$65.82M$72.81M$53.60M$59.98M$45.37M
Share repurchases$0$0$0$46.53M$20.71M$21.16M$19.87M$13.17M$443.0K$1.56M
Depreciation and amortization$51.32M$41.50M$11.70M$13.08M$12.66M$11.01M$10.39M$10.10M$11.62M$12.76M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY25.3%45.0%-5.2%11.6%17.6%6.4%0.7%7.6%6.4%2.9%
Net income growth, YoY152.0%-10.0%-26.9%4.6%73.2%-13.9%-4.9%26.0%7.0%4.9%
EPS growth, YoY112.4%--27.2%7.3%57.6%-20.1%-4.4%25.5%5.1%3.8%
Net margin33.5%16.6%26.8%34.8%37.1%25.2%31.1%32.9%28.1%28.0%
Free cash flow margin49.5%61.2%34.6%37.8%31.6%23.5%36.5%42.5%34.1%39.0%
Return on equity10.3%4.4%7.6%11.0%9.9%6.0%8.0%8.7%7.2%7.0%
Return on assets1.2%0.5%0.9%1.3%1.2%0.8%1.1%1.2%1.0%0.9%

Source: XBRL data Provident Financial Services Inc files with the SEC, latest filing dated Aug 7, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PFS peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PFS$907.32M+8.1%$312.71M34.5%$3.24B
HSBC$68.27B+3.7%$23.13B33.9%$306.84B
AX$1.55B+23.0%$507.67M32.7%$5.36B
EBC$1.12B+61.3%$376.13M33.5%$5.33B
TFSL$343.73M+10.5%$102.06M29.7%$4.69B
BKU$1.12B+6.8%$273.65M24.4%$3.20B
CFFN$229.25M+19.4%$82.83M36.1%$1.10B
HTB$216.63M+4.4%$65.02M30.0%$756.6M

PFS FAQ

8 questions
  • What is PFS revenue?
    Provident Financial Services Inc (PFS) reported $907.32M of revenue for the twelve months ended Jun 30, 2026. That is up 8.1% from the year before. Revenue for fiscal 2025 was $870.40M.
  • Is PFS profitable?
    Yes. Provident Financial Services Inc earned $312.71M in net income for the twelve months ended Jun 30, 2026, a net margin of 34.5%.
  • How much cash and debt does PFS have?
    Provident Financial Services Inc reported $228.29M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is PFS revenue growing?
    Provident Financial Services Inc's revenue changed +25.3% in fiscal 2025, to $870.40M. Its compound annual growth rate was +17.7% over 5 years and +11.1% over 10 years.
  • What is PFS free cash flow?
    Provident Financial Services Inc generated $350.36M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $370.48M less capital expenditures.
  • What is PFS earnings per share?
    Diluted earnings per share were $2.40 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PFS last report financial results?
    The latest statements here come from Provident Financial Services Inc's 10-Q filed on Aug 7, 2026, covering the period ended Jun 30, 2026.
  • Where does this PFS financial data come from?
    Quantisnow builds these statements from the structured XBRL data Provident Financial Services Inc files with the SEC. It is provided for information only and is not investment advice.