Provident Financial Services (PFS) Financials

$16.52 -0.17 (-1.02%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$16.50 -0.02 (-0.12%)

As of 05/23/2025 04:33 PM Eastern

Annual Income Statements for Provident Financial Services

This table shows Provident Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	116	128	176	168	97	113	118	94	88	84
Consolidated Net Income / (Loss)	116	128	176	168	97	113	118	94	88	84
Net Income / (Loss) Continuing Operations	116	128	176	168	97	113	118	94	88	84
Total Pre-Tax Income	150	176	240	227	128	147	144	140	125	120
Total Revenue	695	479	505	453	385	362	359	334	314	305
Net Interest Income / (Expense)	601	399	418	366	313	298	301	278	259	250
Total Interest Income	1,046	616	466	402	363	371	360	324	302	292
Loans and Leases Interest Income	944	556	418	365	324	324	315	93	266	255
Investment Securities Interest Income	95	56	47	35	37	44	44	229	36	37
Federal Funds Sold and Securities Borrowed Interest Income	7.06	3.43	2.02	2.73	2.40	2.72	1.73	1.27	0.50	0.06
Total Interest Expense	446	216	49	36	51	73	59	46	44	42
Deposits Interest Expense	350	159	39	27	34	45	31	19	17	15
Long-Term Debt Interest Expense	96	57	9.93	9.80	17	28	28	26	27	27
Total Non-Interest Income	94	80	88	87	72	64	59	56	55	55
Trust Fees by Commissions	31	28	28	31	26	23	18	18	18	17
Other Service Charges	39	32	42	38	37	35	33	31	32	32
Net Realized & Unrealized Capital Gains on Investments	-2.99	0.03	0.18	0.26	0.08	0.07	2.22	0.06	0.06	0.65
Other Non-Interest Income	28	20	17	18	10	6.30	5.51	6.69	5.47	5.35
Provision for Credit Losses	88	28	5.00	-24	30	13	24	5.60	5.40	4.35
Total Non-Interest Expense	458	275	260	250	228	202	192	188	184	181
Salaries and Employee Benefits	218	148	147	143	131	117	111	109	106	100
Net Occupancy & Equipment Expense	81	55	56	53	48	43	40	39	38	39
Marketing Expense	5.15	4.82	5.19	3.95	4.40	4.12	3.84	3.90	3.69	4.23
Property & Liability Insurance Claims	13	8.58	5.20	6.26	3.12	1.32	3.48	3.89	4.89	5.04
Other Operating Expenses	55	47	39	40	38	34	31	29	28	29
Amortization Expense	29	2.95	3.29	3.66	3.43	2.74	2.13	2.67	3.39	4.07
Restructuring Charge	57	7.83	4.13	0.00	-	-	-	-	-	-
Income Tax Expense	34	47	64	59	31	34	26	47	37	36
Basic Earnings per Share	$1.05	$1.72	$2.35	$2.20	$1.39	$1.74	$1.82	$1.46	$1.38	$1.33
Weighted Average Basic Shares Outstanding	109.67M	74.84M	74.70M	76.47M	69.55M	64.60M	64.94M	64.38M	63.64M	62.95M
Diluted Earnings per Share	$1.05	$1.71	$2.35	$2.19	$1.39	$1.74	$1.82	$1.45	$1.38	$1.33
Weighted Average Diluted Shares Outstanding	109.71M	74.87M	74.78M	76.56M	69.63M	64.73M	65.10M	64.58M	63.85M	63.11M
Weighted Average Basic & Diluted Shares Outstanding	130.49M	75.60M	75.33M	77.11M	77.79M	65.96M	65M	64.30M	63.60M	62.90M
Cash Dividends to Common per Share	$0.96	$0.96	-	$0.94	$0.92	$1.12	$0.82	$0.93	-	-

This table shows Provident Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	64	49	46	-11	32	27	29	32	41	49	43
Consolidated Net Income / (Loss)	64	49	46	-11	32	27	29	32	41	49	43
Net Income / (Loss) Continuing Operations	64	49	46	-11	32	27	29	32	41	49	43
Total Pre-Tax Income	92	63	65	-21	43	40	37	44	55	67	60
Total Revenue	209	206	211	164	114	115	116	118	130	132	138
Net Interest Income / (Expense)	182	182	184	142	94	96	96	99	108	114	109
Total Interest Income	305	312	323	248	164	164	158	150	144	137	122
Loans and Leases Interest Income	273	281	292	223	148	149	143	135	129	124	109
Investment Securities Interest Income	32	29	28	23	15	14	14	14	14	13	12
Federal Funds Sold and Securities Borrowed Interest Income	0.68	1.60	2.43	1.86	1.18	0.76	0.89	0.95	0.85	0.31	0.50
Total Interest Expense	124	130	139	106	70	68	62	51	35	23	12
Deposits Interest Expense	97	106	110	81	53	51	45	36	28	18	9.56
Long-Term Debt Interest Expense	26	24	29	25	18	18	17	14	7.72	4.73	2.68
Total Non-Interest Income	27	24	27	22	21	19	19	19	22	18	28
Trust Fees by Commissions	7.33	7.66	7.62	7.77	7.49	6.84	6.99	6.92	6.92	6.60	6.79
Other Service Charges	12	11	11	9.67	6.71	7.73	7.27	7.06	9.66	7.33	18
Net Realized & Unrealized Capital Gains on Investments	0.09	-0.01	0.00	-2.97	-0.00	-0.01	0.01	0.03	-0.01	0.03	-0.00
Other Non-Interest Income	7.74	5.55	7.94	7.81	6.61	4.41	5.04	5.38	5.59	4.31	4.10
Provision for Credit Losses	0.64	8.37	9.30	70	0.19	-0.12	13	9.75	6.00	-	8.41
Total Non-Interest Expense	116	135	136	115	71	75	66	65	69	65	69
Salaries and Employee Benefits	62	60	63	55	40	39	36	35	39	35	38
Net Occupancy & Equipment Expense	24	22	23	20	15	14	13	14	14	13	14
Marketing Expense	1.06	1.49	1.52	1.17	0.97	1.08	1.13	1.38	1.23	1.50	1.37
Property & Liability Insurance Claims	3.39	3.41	4.18	3.10	2.27	2.89	1.63	2.13	1.94	1.24	1.40
Other Operating Expenses	16	18	16	11	9.83	15	11	9.95	12	12	11
Amortization Expense	9.50	9.51	12	6.48	0.71	0.72	0.72	0.75	0.76	0.78	0.78
Restructuring Charge	0.00	20	16	19	2.20	2.48	2.29	1.96	1.10	-	2.89
Income Tax Expense	28	14	19	-9.83	11	12	8.84	12	14	18	17
Basic Earnings per Share	$0.49	$0.37	$0.36	($0.11)	$0.43	$0.37	$0.38	$0.43	$0.54	$0.66	$0.58
Weighted Average Basic Shares Outstanding	130.33M	109.67M	129.94M	102.96M	75.26M	74.84M	74.91M	74.82M	74.65M	74.70M	74.30M
Diluted Earnings per Share	$0.49	$0.37	$0.36	($0.11)	$0.43	$0.36	$0.38	$0.43	$0.54	$0.66	$0.58
Weighted Average Diluted Shares Outstanding	130.38M	109.71M	130.00M	102.96M	75.28M	74.87M	74.91M	74.83M	74.70M	74.78M	74.39M
Weighted Average Basic & Diluted Shares Outstanding	130.66M	130.49M	130.49M	130.49M	75.98M	75.60M	75.61M	75.61M	75.56M	75.33M	75.28M

This table details how cash moves in and out of Provident Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	26	-6.25	-526	180	346	44	-48	47	42	-1.54
Net Cash From Operating Activities	426	173	200	157	103	137	156	117	127	115
Net Cash From Continuing Operating Activities	426	173	200	157	103	137	156	117	127	115
Net Income / (Loss) Continuing Operations	116	128	176	168	97	113	118	94	88	84
Consolidated Net Income / (Loss)	116	128	176	168	97	113	118	94	88	84
Provision For Loan Losses	88	28	5.00	-23	32	13	24	5.60	5.40	4.35
Depreciation Expense	41	12	13	13	11	10	10	12	13	14
Amortization Expense	21	19	24	27	20	17	9.43	11	12	12
Non-Cash Adjustments to Reconcile Net Income	126	-2.91	-11	5.93	-18	2.21	4.38	44	7.42	1.44
Changes in Operating Assets and Liabilities, net	36	-11	-5.66	-33	-38	-18	-10	-49	1.79	-0.08
Net Cash From Investing Activities	508	-470	-648	-717	-504	43	47	-306	-581	-409
Net Cash From Continuing Investing Activities	508	-470	-648	-717	-504	43	47	-306	-581	-409
Purchase of Property, Leasehold Improvements and Equipment	-1.31	-7.49	-9.41	-14	-13	-4.88	-3.16	-3.23	-5.00	-5.91
Acquisitions	195	0.00	0.00	-	78	-15	0.00	0.00	-	-26
Purchase of Investment Securities	-854	-915	-1,171	-1,446	-405	-378	-415	-734	-910	-729
Sale of Property, Leasehold Improvements and Equipment	0.00	0.11	0.02	0.04	0.95	0.00	0.03	21	0.01	0.02
Sale and/or Maturity of Investments	1,169	453	533	744	-166	441	465	410	334	352
Net Cash From Financing Activities	-908	290	-79	740	747	-136	-251	236	496	292
Net Cash From Continuing Financing Activities	-908	290	-79	740	747	-136	-251	236	496	292
Net Change in Deposits	-292	-269	-670	1,396	985	274	116	162	631	133
Issuance of Debt	857	535	3,982	905	2,430	1,243	695	670	390	748
Repayment of Debt	-1,371	98	-3,272	-1,469	-2,581	-1,560	-995	-540	-485	-550
Repurchase of Common Equity	0.00	0.00	-47	-21	-21	-20	-13	-0.44	-1.56	0.00
Payment of Dividends	-101	-72	-72	-71	-66	-73	-54	-60	-45	-41
Other Financing Activities, Net	-1.32	-0.89	-1.02	-0.07	-0.52	0.38	0.82	4.29	6.63	2.63
Cash Interest Paid	397	210	47	36	49	74	59	46	44	42
Cash Income Taxes Paid	36	46	51	57	37	34	15	41	34	41

This table details how cash moves in and out of Provident Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	28	-38	-46	132	-22	-9.01	-20	-25	47	1.64	-93
Net Cash From Operating Activities	89	239	69	77	41	46	42	27	58	42	56
Net Cash From Continuing Operating Activities	89	239	69	77	41	46	42	27	58	42	56
Net Income / (Loss) Continuing Operations	64	49	46	-11	32	27	29	32	41	49	43
Consolidated Net Income / (Loss)	64	49	46	-11	32	27	29	32	41	49	43
Provision For Loan Losses	0.64	8.88	9.30	70	-0.32	-0.86	13	9.75	6.74	1.79	9.99
Depreciation Expense	13	13	16	9.55	2.80	2.86	2.88	2.91	3.04	3.23	3.27
Amortization Expense	7.88	15	-2.05	2.69	4.50	4.88	10	-0.37	4.50	4.86	5.49
Non-Cash Adjustments to Reconcile Net Income	-3.97	125	5.36	-5.76	1.43	4.78	-6.14	-1.10	-0.45	0.69	-8.31
Changes in Operating Assets and Liabilities, net	6.77	29	-6.14	12	0.92	7.35	-6.16	-16	3.69	-17	2.48
Net Cash From Investing Activities	-176	-293	-17	763	55	-132	-93	-264	20	-171	-0.64
Net Cash From Continuing Investing Activities	-176	-293	-16	762	55	-132	-93	-264	20	-171	-0.64
Purchase of Property, Leasehold Improvements and Equipment	-1.14	1.50	-1.29	-0.98	-0.54	-1.59	-2.94	-2.35	-0.61	-1.53	-1.94
Purchase of Investment Securities	-422	-447	-195	-183	-29	-251	-195	-360	-110	-306	-159
Sale of Property, Leasehold Improvements and Equipment	2.35	-	-	-	0.00	0.04	-	-	0.06	-	-
Sale and/or Maturity of Investments	244	153	179	752	85	120	105	98	130	137	161
Net Cash From Financing Activities	116	15	-99	-707	-118	77	32	212	-30	130	-148
Net Cash From Continuing Financing Activities	116	15	-99	-707	-118	77	32	212	-30	130	-148
Net Change in Deposits	-166	242	20	-367	-187	147	-123	-35	-258	-126	-191
Issuance of Debt	570	636	-0.06	221	0.00	26	62	186	261	1,719	1,299
Repayment of Debt	-255	-830	-88	-542	88	-78	110	79	-14	-1,445	-1,238
Payment of Dividends	-32	-32	-31	-19	-18	-18	-18	-18	-19	-17	-18
Other Financing Activities, Net	-1.85	-	-0.03	-0.05	-1.24	-0.01	-	-0.00	-0.88	-0.01	-0.06
Cash Interest Paid	126	144	116	71	66	67	62	48	34	21	12
Cash Income Taxes Paid	1.03	0.74	17	17	1.32	7.60	12	26	0.96	25	18

This table presents Provident Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	24,052	14,211	13,783	13,781	12,920	9,809	9,726	9,845	9,500	8,912
Cash and Due from Banks	206	180	187	506	532	187	143	140	93	101
Trading Account Securities	3,116	2,054	2,193	-	1,557	1,431	1,543	1,515	1,529	1,438
Loans and Leases, Net of Allowance	18,466	10,765	10,161	0.00	9,721	7,277	7,195	7,266	6,942	6,476
Loans and Leases	18,659	10,872	10,249	-	9,823	7,333	7,251	7,326	7,003	6,538
Allowance for Loan and Lease Losses	193	107	88	-	101	56	56	60	62	61
Loans Held for Sale	162	1.79	-	-	-	-	-	-	-	-
Premises and Equipment, Net	120	71	80	81	76	55	58	63	84	89
Intangible Assets	819	458	461	464	466	-	-	-	-	-
Other Assets	1,163	601	703	519	566	421	369	441	431	381
Total Liabilities & Shareholders' Equity	24,052	14,211	13,783	13,781	12,920	9,809	9,726	9,845	9,500	8,912
Total Liabilities	21,451	12,520	12,186	1,639	11,300	8,395	8,367	8,547	8,249	7,716
Interest Bearing Deposits	18,624	10,293	10,563	1,461	9,838	7,103	6,830	6,714	6,554	5,924
Short-Term Debt	2,020	1,970	1,337	-	1,176	-	1,442	1,743	1,613	1,708
Long-Term Debt	402	11	10	-	25	1,125	-	-	-	-
Other Long-Term Liabilities	405	247	275	179	261	167	94	90	82	84
Total Equity & Noncontrolling Interests	2,601	1,691	1,598	1,697	1,620	1,414	1,359	1,299	1,252	1,196
Total Preferred & Common Equity	2,601	1,691	1,598	1,697	1,620	1,414	1,359	1,299	1,252	1,196
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	2,601	1,691	1,598	1,697	1,620	1,414	1,359	1,299	1,252	1,196
Common Stock	1,836	987	979	971	959	1,004	1,018	1,009	1,001	995
Retained Earnings	989	975	918	815	718	695	651	586	551	508
Treasury Stock	-88	-128	-127	-80	-59	-269	-272	-260	-264	-269
Accumulated Other Comprehensive Income / (Loss)	-135	-141	-165	6.86	18	3.82	-12	-7.47	-3.40	-2.55
Other Equity Adjustments	0.00	-2.20	-6.80	-15	-16	-21	-25	-29	-32	-35

This table presents Provident Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	24,225	24,043	24,070	14,131	14,087	14,030	13,779	13,604
Cash and Due from Banks	234	244	291	158	189	209	234	185
Trading Account Securities	3,212	3,077	2,997	2,022	2,028	2,130	2,204	2,223
Loans and Leases, Net of Allowance	18,600	18,603	18,571	10,736	10,560	10,428	10,131	9,958
Loans and Leases	18,791	18,795	18,759	10,843	10,668	10,531	10,224	10,047
Allowance for Loan and Lease Losses	192	191	188	106	108	102	93	89
Loans Held for Sale	150	5.76	4.45	-	-	-	-	-
Premises and Equipment, Net	115	125	127	69	71	71	72	81
Intangible Assets	810	839	852	457	459	459	460	462
Other Assets	1,104	1,148	1,229	687	779	732	663	695
Total Liabilities & Shareholders' Equity	24,225	24,043	24,070	14,131	14,087	14,030	13,779	13,604
Total Liabilities	21,566	21,421	21,515	12,436	12,464	12,387	1,565	12,053
Interest Bearing Deposits	18,449	18,376	18,353	10,099	10,141	10,261	1,351	10,686
Short-Term Debt	2,336	2,215	2,302	2,058	2,022	1,850	-	1,064
Long-Term Debt	403	414	413	11	11	11	11	10
Other Long-Term Liabilities	378	417	447	268	290	266	203	293
Total Equity & Noncontrolling Interests	2,659	2,621	2,556	1,695	1,623	1,642	1,640	1,551
Total Preferred & Common Equity	2,659	2,621	2,556	1,695	1,623	1,642	1,640	1,551
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	2,659	2,621	2,556	1,695	1,623	1,642	1,637	1,551
Common Stock	1,838	1,870	1,868	989	986	984	982	976
Retained Earnings	1,021	973	958	988	965	954	941	886
Treasury Stock	-90	-129	-129	-129	-128	-128	-128	-127
Accumulated Other Comprehensive Income / (Loss)	-110	-93	-140	-152	-195	-162	-148	-174

This table displays calculated financial ratios and metrics derived from Provident Financial Services' official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	44.95%	-5.16%	11.60%	17.62%	6.42%	0.67%	7.62%	6.35%	2.90%	8.94%
EBITDA Growth	2.49%	-25.38%	3.92%	67.83%	-9.10%	6.79%	0.23%	8.94%	2.81%	14.01%
EBIT Growth	-14.88%	-26.79%	5.72%	78.06%	-13.28%	2.20%	2.45%	12.58%	3.84%	13.99%
NOPAT Growth	-10.03%	-26.90%	4.60%	73.20%	-13.92%	-4.86%	26.01%	7.00%	4.87%	13.70%
Net Income Growth	-10.03%	-26.90%	4.60%	73.20%	-13.92%	-4.86%	26.01%	7.00%	4.87%	13.70%
EPS Growth	-38.60%	-27.23%	7.31%	57.55%	-20.11%	-4.40%	25.52%	5.07%	3.76%	9.02%
Operating Cash Flow Growth	145.90%	-13.44%	27.74%	51.80%	-24.56%	-12.07%	32.84%	-7.92%	10.83%	12.97%
Free Cash Flow Firm Growth	-106.98%	-106.37%	202.39%	-4,848.58%	-149.34%	4.64%	533.25%	-165.13%	176.48%	54.60%
Invested Capital Growth	36.82%	24.64%	-75.74%	330.43%	11.10%	-9.36%	-7.89%	6.17%	-1.35%	9.41%
Revenue Q/Q Growth	15.10%	-3.54%	3.65%	1.20%	5.07%	-0.64%	2.20%	1.24%	0.48%	1.62%
EBITDA Q/Q Growth	26.15%	-11.88%	4.83%	0.23%	15.28%	-3.03%	3.66%	0.96%	1.37%	-0.29%
EBIT Q/Q Growth	18.11%	-13.53%	6.75%	-0.36%	17.43%	-5.04%	4.78%	1.79%	1.48%	-0.21%
NOPAT Q/Q Growth	22.49%	-14.47%	7.16%	-1.91%	17.75%	-8.01%	15.94%	-3.18%	1.21%	0.35%
Net Income Q/Q Growth	22.49%	-14.47%	7.16%	-1.91%	17.75%	-8.01%	15.94%	-3.18%	1.21%	0.35%
EPS Q/Q Growth	0.96%	-14.93%	7.80%	-3.52%	14.88%	-8.42%	16.67%	-3.97%	1.47%	-0.75%
Operating Cash Flow Q/Q Growth	82.67%	2.29%	4.18%	-13.41%	41.68%	4.05%	-2.34%	-12.10%	12.24%	6.55%
Free Cash Flow Firm Q/Q Growth	17.55%	32.17%	6,839.40%	-1,129.81%	-3.07%	81.95%	440.13%	-317.92%	-52.03%	31.15%
Invested Capital Q/Q Growth	-4.31%	0.42%	12.21%	422.90%	-7.20%	-8.60%	-2.11%	7.62%	3.54%	-1.39%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	30.47%	43.09%	54.76%	58.81%	41.21%	48.25%	45.49%	48.84%	47.68%	47.72%
EBIT Margin	21.54%	36.68%	47.51%	50.16%	33.13%	40.66%	40.05%	42.07%	39.74%	39.38%
Profit (Net Income) Margin	16.63%	26.79%	34.76%	37.08%	25.18%	31.13%	32.94%	28.14%	27.97%	27.44%
Tax Burden Percent	77.21%	73.05%	73.15%	73.94%	76.01%	76.58%	82.26%	66.88%	70.36%	69.67%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	22.79%	26.95%	26.85%	26.06%	23.99%	23.42%	17.74%	33.12%	29.64%	30.33%
Return on Invested Capital (ROIC)	2.66%	3.88%	2.33%	2.24%	3.62%	4.22%	4.05%	3.18%	3.04%	3.01%
ROIC Less NNEP Spread (ROIC-NNEP)	2.66%	3.88%	2.33%	2.24%	3.62%	4.22%	4.05%	3.18%	3.04%	3.01%
Return on Net Nonoperating Assets (RNNOA)	2.73%	3.93%	8.33%	7.88%	2.77%	3.91%	4.86%	4.19%	4.13%	4.14%
Return on Equity (ROE)	5.38%	7.81%	10.66%	10.13%	6.39%	8.12%	8.91%	7.37%	7.17%	7.16%
Cash Return on Invested Capital (CROIC)	-28.44%	-18.06%	124.24%	-122.35%	-6.90%	14.04%	12.27%	-2.80%	4.40%	-5.97%
Operating Return on Assets (OROA)	0.78%	1.26%	1.74%	1.70%	1.12%	1.51%	1.47%	1.45%	1.36%	1.38%
Return on Assets (ROA)	0.60%	0.92%	1.27%	1.26%	0.85%	1.15%	1.21%	0.97%	0.95%	0.96%
Return on Common Equity (ROCE)	5.38%	7.81%	10.66%	10.13%	6.39%	8.12%	8.91%	7.37%	7.17%	7.16%
Return on Equity Simple (ROE_SIMPLE)	4.44%	7.59%	10.99%	9.89%	5.99%	7.97%	8.71%	7.23%	7.01%	7.00%
Net Operating Profit after Tax (NOPAT)	116	128	176	168	97	113	118	94	88	84
NOPAT Margin	16.63%	26.79%	34.76%	37.08%	25.18%	31.13%	32.94%	28.14%	27.97%	27.44%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	43.77%	43.52%	41.30%	44.17%	47.58%	45.25%	43.15%	45.66%	47.11%	46.75%
Operating Expenses to Revenue	65.86%	57.45%	51.50%	55.22%	59.15%	55.72%	53.36%	56.25%	58.54%	59.19%
Earnings before Interest and Taxes (EBIT)	150	176	240	227	128	147	144	140	125	120
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	212	207	277	266	159	175	163	163	150	146
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.93	0.75	0.89	0.96	0.73	0.90	0.89	1.01	1.05	0.75
Price to Tangible Book Value (P/TBV)	1.36	1.03	1.25	1.32	1.02	1.30	1.29	1.49	1.59	1.16
Price to Revenue (P/Rev)	3.50	2.65	2.81	3.59	3.05	3.52	3.38	3.92	4.19	2.94
Price to Earnings (P/E)	21.04	9.91	8.08	9.68	12.12	11.31	10.25	13.92	14.98	10.71
Dividend Yield	5.15%	5.71%	5.09%	4.43%	6.15%	4.77%	5.36%	4.75%	3.58%	4.77%
Earnings Yield	4.75%	10.09%	12.37%	10.33%	8.25%	8.84%	9.75%	7.19%	6.67%	9.34%
Enterprise Value to Invested Capital (EV/IC)	0.93	0.84	0.88	0.09	0.65	0.87	0.90	0.96	0.99	0.86
Enterprise Value to Revenue (EV/Rev)	6.69	6.41	5.11	2.47	4.79	6.12	6.99	8.72	9.03	8.20
Enterprise Value to EBITDA (EV/EBITDA)	21.96	14.88	9.33	4.20	11.62	12.67	15.38	17.85	18.95	17.19
Enterprise Value to EBIT (EV/EBIT)	31.06	17.48	10.75	4.93	14.46	15.04	17.46	20.72	22.73	20.83
Enterprise Value to NOPAT (EV/NOPAT)	40.23	23.93	14.70	6.66	19.02	19.64	21.23	30.98	32.30	29.90
Enterprise Value to Operating Cash Flow (EV/OCF)	10.90	17.72	12.89	7.14	17.85	16.16	16.14	24.83	22.28	21.79
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.28	0.00	0.00	5.90	7.01	0.00	22.33	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.93	1.17	0.84	0.00	0.74	0.80	1.06	1.34	1.29	1.43
Long-Term Debt to Equity	0.15	0.01	0.01	0.00	0.02	0.80	0.00	0.00	0.00	0.00
Financial Leverage	1.03	1.01	3.58	3.51	0.77	0.93	1.20	1.32	1.36	1.37
Leverage Ratio	8.92	8.51	8.37	8.05	7.49	7.04	7.36	7.59	7.52	7.45
Compound Leverage Factor	8.92	8.51	8.37	8.05	7.49	7.04	7.36	7.59	7.52	7.45
Debt to Total Capital	48.22%	53.95%	45.76%	0.00%	42.58%	44.31%	51.49%	57.30%	56.30%	58.81%
Short-Term Debt to Total Capital	40.22%	53.66%	45.40%	0.00%	41.69%	0.00%	51.49%	57.30%	56.30%	58.81%
Long-Term Debt to Total Capital	8.00%	0.29%	0.36%	0.00%	0.89%	44.31%	0.00%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	51.78%	46.05%	54.24%	100.00%	57.42%	55.69%	48.51%	42.70%	43.70%	41.19%
Debt to EBITDA	11.44	9.59	4.87	0.00	7.57	6.45	8.82	10.69	10.77	11.73
Net Debt to EBITDA	10.47	8.72	4.20	0.00	4.21	5.38	7.95	9.83	10.16	11.04
Long-Term Debt to EBITDA	1.90	0.05	0.04	0.00	0.16	6.45	0.00	0.00	0.00	0.00
Debt to NOPAT	20.97	15.43	7.67	0.00	12.39	9.99	12.18	18.55	18.37	20.40
Net Debt to NOPAT	19.18	14.02	6.61	0.00	6.90	8.33	10.98	17.06	17.31	19.19
Long-Term Debt to NOPAT	3.48	0.08	0.06	0.00	0.26	9.99	0.00	0.00	0.00	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,236	-597	9,372	-9,153	-185	375	358	-83	127	-166
Operating Cash Flow to CapEx	32,622.88%	2,348.58%	2,133.45%	1,139.39%	869.68%	2,804.69%	4,963.95%	0.00%	2,555.89%	1,950.19%
Free Cash Flow to Firm to Interest Expense	-2.78	-2.76	192.73	-252.04	-3.65	5.10	6.06	-1.81	2.90	-3.96
Operating Cash Flow to Interest Expense	0.96	0.80	4.12	4.32	2.04	1.86	2.63	2.57	2.91	2.74
Operating Cash Flow Less CapEx to Interest Expense	0.95	0.77	3.93	3.94	1.80	1.80	2.58	2.95	2.80	2.60
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.03	0.04	0.03	0.03	0.04	0.04	0.03	0.03	0.04
Fixed Asset Turnover	7.29	6.36	6.30	5.79	5.87	6.38	5.92	4.53	3.63	3.35
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	5,023	3,671	2,946	12,142	2,821	2,539	2,801	3,041	2,865	2,904
Invested Capital Turnover	0.16	0.14	0.07	0.06	0.14	0.14	0.12	0.11	0.11	0.11
Increase / (Decrease) in Invested Capital	1,352	726	-9,196	9,321	282	-262	-240	177	-39	250
Enterprise Value (EV)	4,647	3,073	2,581	1,119	1,844	2,212	2,513	2,910	2,836	2,503
Market Capitalization	2,431	1,272	1,420	1,625	1,175	1,274	1,214	1,307	1,316	896
Book Value per Share	$19.93	$22.36	$21.22	$21.93	$20.62	$21.43	$20.26	$19.45	$18.86	$18.19
Tangible Book Value per Share	$13.66	$16.30	$15.10	$15.93	$14.68	$14.80	$14.02	$13.15	$12.49	$11.71
Total Capital	5,023	3,671	2,946	1,697	2,821	2,539	2,801	3,041	2,865	2,904
Total Debt	2,422	1,981	1,348	0.00	1,201	1,125	1,442	1,743	1,613	1,708
Total Long-Term Debt	402	11	10	0.00	25	1,125	0.00	0.00	0.00	0.00
Net Debt	2,216	1,800	1,161	-506	669	938	1,300	1,603	1,520	1,607
Capital Expenditures (CapEx)	1.31	7.38	9.39	14	12	4.88	3.14	-18	4.98	5.89
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	2,422	1,981	1,348	10,445	1,201	1,125	1,442	1,743	1,613	1,708
Total Depreciation and Amortization (D&A)	62	31	37	39	31	27	20	23	25	25
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.05	$1.72	$2.35	$2.20	$1.39	$1.74	$1.82	$1.46	$1.38	$1.33
Adjusted Weighted Average Basic Shares Outstanding	109.67M	74.84M	74.70M	76.47M	69.55M	64.60M	64.94M	64.38M	63.64M	62.95M
Adjusted Diluted Earnings per Share	$1.05	$1.71	$2.35	$2.19	$1.39	$1.74	$1.82	$1.45	$1.38	$1.33
Adjusted Weighted Average Diluted Shares Outstanding	109.71M	74.87M	74.78M	76.56M	69.63M	64.73M	65.10M	64.58M	63.85M	63.11M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$1.74	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	130.49M	75.60M	75.33M	77.11M	77.79M	65.96M	66.57M	66.84M	66.45M	65.79M
Normalized Net Operating Profit after Tax (NOPAT)	159	134	179	168	97	113	118	94	88	84
Normalized NOPAT Margin	22.95%	27.98%	35.36%	37.08%	25.18%	31.13%	32.94%	28.14%	27.97%	27.44%
Pre Tax Income Margin	21.54%	36.68%	47.51%	50.16%	33.13%	40.66%	40.05%	42.07%	39.74%	39.38%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.34	0.81	4.94	6.25	2.51	2.00	2.43	3.08	2.85	2.87
NOPAT to Interest Expense	0.26	0.59	3.61	4.62	1.91	1.53	2.00	2.06	2.01	2.00
EBIT Less CapEx to Interest Expense	0.33	0.78	4.74	5.88	2.28	1.93	2.38	3.46	2.74	2.73
NOPAT Less CapEx to Interest Expense	0.26	0.56	3.42	4.24	1.68	1.47	1.95	2.44	1.89	1.86
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	87.39%	56.42%	41.00%	42.57%	67.89%	64.64%	45.28%	63.84%	51.67%	49.31%
Augmented Payout Ratio	87.39%	56.42%	67.49%	54.90%	89.72%	82.28%	56.40%	64.31%	53.45%	49.31%

This table displays calculated financial ratios and metrics derived from Provident Financial Services' official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	82.36%	79.43%	82.21%	38.22%	-12.26%	-13.28%	-16.22%	-1.59%	13.78%	15.52%	20.37%
EBITDA Growth	124.57%	92.35%	57.26%	-119.67%	-19.61%	-36.96%	-26.95%	-27.16%	-9.58%	20.37%	5.28%
EBIT Growth	113.76%	57.69%	74.53%	-148.86%	-21.86%	-40.89%	-37.76%	-18.54%	-7.10%	29.15%	19.72%
NOPAT Growth	99.58%	77.66%	62.56%	-146.63%	-20.86%	-44.30%	-34.26%	-18.42%	-7.79%	31.45%	16.51%
Net Income Growth	99.58%	77.66%	62.56%	-135.89%	-20.86%	-44.30%	-34.26%	-18.42%	-7.79%	31.45%	16.51%
EPS Growth	13.95%	2.78%	-5.26%	-125.58%	-20.37%	-45.45%	-34.48%	-18.87%	-6.90%	34.69%	18.37%
Operating Cash Flow Growth	113.76%	416.63%	65.98%	179.90%	-28.69%	9.14%	-26.01%	-45.98%	14.00%	23.39%	65.43%
Free Cash Flow Firm Growth	-118.48%	-86.61%	-54.40%	-104.28%	183.65%	-107.55%	-286.15%	-436.19%	-1,722.16%	199.59%	-134.38%
Invested Capital Growth	43.41%	36.82%	43.60%	50.47%	-69.21%	24.64%	39.27%	34.82%	501.89%	-75.74%	13.05%
Revenue Q/Q Growth	1.38%	-2.21%	28.56%	43.07%	-0.24%	-0.69%	-2.48%	-9.18%	-1.40%	-4.07%	14.56%
EBITDA Q/Q Growth	23.55%	15.54%	970.79%	-118.07%	-9.25%	-5.53%	8.91%	-26.16%	-17.02%	9.47%	8.60%
EBIT Q/Q Growth	46.48%	-3.90%	406.10%	-149.61%	8.06%	6.35%	-14.31%	-20.65%	-18.25%	11.97%	12.16%
NOPAT Q/Q Growth	31.95%	4.56%	410.97%	-146.51%	17.46%	-4.33%	-10.80%	-21.05%	-17.34%	12.93%	10.69%
Net Income Q/Q Growth	31.95%	4.56%	504.05%	-135.80%	17.46%	-4.33%	-10.80%	-21.05%	-17.34%	12.93%	10.69%
EPS Q/Q Growth	32.43%	2.78%	427.27%	-125.58%	19.44%	-5.26%	-11.63%	-20.37%	-18.18%	13.79%	9.43%
Operating Cash Flow Q/Q Growth	-63.01%	245.88%	-9.57%	84.75%	-10.60%	11.12%	52.50%	-52.93%	36.82%	-24.67%	11.34%
Free Cash Flow Firm Q/Q Growth	-20.44%	15.77%	13.19%	-120.99%	1,315.96%	30.31%	-14.86%	91.41%	-209.82%	3,662.00%	-59.49%
Invested Capital Q/Q Growth	7.46%	-4.31%	-0.39%	40.02%	2.52%	0.42%	4.37%	-71.35%	315.02%	12.21%	1.03%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	54.08%	44.38%	37.56%	-5.55%	43.91%	41.40%	43.52%	38.97%	47.93%	56.95%	49.91%
EBIT Margin	44.00%	30.45%	30.99%	-13.02%	37.54%	34.65%	32.36%	36.82%	42.15%	50.84%	43.56%
Profit (Net Income) Margin	30.67%	23.56%	22.04%	-7.01%	28.02%	23.80%	24.70%	27.01%	31.07%	37.06%	31.48%
Tax Burden Percent	69.71%	77.38%	71.11%	53.87%	74.66%	68.68%	76.35%	73.35%	73.72%	72.90%	72.27%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	30.29%	22.62%	28.89%	0.00%	25.34%	31.32%	23.65%	26.65%	26.28%	27.10%	27.73%
Return on Invested Capital (ROIC)	5.28%	3.77%	2.99%	-1.06%	1.62%	3.45%	3.91%	4.60%	2.27%	2.48%	6.20%
ROIC Less NNEP Spread (ROIC-NNEP)	5.28%	3.77%	2.99%	-0.91%	1.62%	3.45%	3.91%	4.60%	2.27%	2.48%	6.20%
Return on Net Nonoperating Assets (RNNOA)	5.83%	3.86%	3.28%	-0.99%	6.16%	3.49%	3.83%	4.09%	7.66%	8.89%	3.30%
Return on Equity (ROE)	11.12%	7.63%	6.27%	-2.04%	7.79%	6.94%	7.73%	8.69%	9.93%	11.37%	9.50%
Cash Return on Invested Capital (CROIC)	-32.45%	-28.44%	-33.68%	-38.55%	107.33%	-18.06%	-28.04%	-24.25%	-140.59%	124.24%	-5.62%
Operating Return on Assets (OROA)	1.81%	1.11%	0.98%	-0.35%	1.25%	1.19%	1.16%	1.38%	1.60%	1.86%	1.57%
Return on Assets (ROA)	1.26%	0.86%	0.70%	-0.19%	0.93%	0.81%	0.89%	1.01%	1.18%	1.36%	1.14%
Return on Common Equity (ROCE)	11.12%	7.63%	6.27%	-2.04%	7.78%	6.94%	7.73%	8.69%	9.92%	11.37%	9.50%
Return on Equity Simple (ROE_SIMPLE)	5.55%	0.00%	3.60%	2.99%	7.08%	0.00%	9.25%	10.05%	10.50%	0.00%	10.57%
Net Operating Profit after Tax (NOPAT)	64	49	46	-15	32	27	29	32	41	49	43
NOPAT Margin	30.67%	23.56%	22.04%	-9.11%	28.02%	23.80%	24.70%	27.01%	31.07%	37.06%	31.48%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	-0.15%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	41.65%	40.73%	41.92%	46.18%	49.20%	47.15%	43.49%	42.47%	41.30%	37.48%	38.77%
Operating Expenses to Revenue	55.69%	65.48%	64.59%	70.46%	62.30%	65.46%	56.79%	54.95%	53.26%	49.16%	50.35%
Earnings before Interest and Taxes (EBIT)	92	63	65	-21	43	40	37	44	55	67	60
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	113	91	79	-9.08	50	48	50	46	63	75	69
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.84	0.93	0.92	0.42	0.63	0.75	0.67	0.70	0.81	0.89	0.85
Price to Tangible Book Value (P/TBV)	1.21	1.36	1.36	0.63	0.86	1.03	0.93	0.97	1.12	1.25	1.21
Price to Revenue (P/Rev)	2.84	3.50	4.01	2.12	2.31	2.65	2.19	2.21	2.53	2.81	2.69
Price to Earnings (P/E)	15.19	21.04	25.68	14.07	8.92	9.91	7.24	6.95	7.66	8.08	8.01
Dividend Yield	5.59%	5.15%	5.17%	8.47%	6.78%	5.71%	6.68%	6.33%	5.48%	5.09%	5.50%
Earnings Yield	6.58%	4.75%	3.89%	7.11%	11.21%	10.09%	13.81%	14.40%	13.05%	12.37%	12.48%
Enterprise Value to Invested Capital (EV/IC)	0.88	0.93	0.92	0.66	0.79	0.84	0.80	0.80	0.09	0.88	0.84
Enterprise Value to Revenue (EV/Rev)	6.01	6.69	7.96	6.88	6.43	6.41	5.90	5.39	2.10	5.11	4.52
Enterprise Value to EBITDA (EV/EBITDA)	17.30	21.96	28.65	25.18	15.34	14.88	12.51	11.06	4.06	9.33	8.34
Enterprise Value to EBIT (EV/EBIT)	23.91	31.06	37.94	35.42	18.20	17.48	14.42	12.38	4.65	10.75	9.79
Enterprise Value to NOPAT (EV/NOPAT)	32.18	40.23	50.96	45.78	24.85	23.93	19.52	16.95	6.37	14.70	13.44
Enterprise Value to Operating Cash Flow (EV/OCF)	10.02	10.90	20.59	17.00	19.01	17.72	17.29	15.19	5.29	12.89	11.46
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.35	0.00	0.00	0.00	0.00	0.28	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.03	0.93	1.00	1.06	1.22	1.17	1.25	1.13	0.01	0.84	0.69
Long-Term Debt to Equity	0.15	0.15	0.16	0.16	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Financial Leverage	1.10	1.03	1.10	1.09	3.79	1.01	0.98	0.89	3.37	3.58	0.53
Leverage Ratio	8.81	8.92	8.98	9.08	8.37	8.51	8.72	8.60	8.40	8.37	8.36
Compound Leverage Factor	8.81	8.92	8.98	9.08	8.37	8.51	8.72	8.60	8.40	8.37	8.36
Debt to Total Capital	50.74%	48.22%	50.07%	51.51%	54.96%	53.95%	55.61%	53.11%	0.64%	45.76%	40.92%
Short-Term Debt to Total Capital	43.28%	40.22%	42.18%	43.68%	54.68%	53.66%	55.32%	52.81%	0.00%	45.40%	40.52%
Long-Term Debt to Total Capital	7.46%	8.00%	7.89%	7.83%	0.29%	0.29%	0.29%	0.30%	0.64%	0.36%	0.40%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	49.26%	51.78%	49.93%	48.49%	45.04%	46.05%	44.39%	46.89%	99.16%	54.24%	59.08%
Debt to EBITDA	9.99	11.44	15.67	19.53	10.65	9.59	8.67	7.36	0.04	4.87	4.07
Net Debt to EBITDA	9.13	10.47	14.21	17.44	9.84	8.72	7.87	6.53	-0.83	4.20	3.37
Long-Term Debt to EBITDA	1.47	1.90	2.47	2.97	0.06	0.05	0.05	0.04	0.04	0.04	0.04
Debt to NOPAT	18.57	20.97	27.87	35.51	17.25	15.43	13.54	11.27	0.06	7.67	6.55
Net Debt to NOPAT	16.99	19.18	25.28	31.71	15.93	14.02	12.28	10.01	-1.30	6.61	5.42
Long-Term Debt to NOPAT	2.73	3.48	4.39	5.40	0.09	0.08	0.07	0.06	0.06	0.06	0.06
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.10%	0.00%	0.00%	0.00%	0.10%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,570	-1,303	-1,547	-1,783	8,493	-698	-1,002	-873	-10,153	9,246	-260
Operating Cash Flow to CapEx	0.00%	0.00%	5,362.95%	7,830.30%	7,725.56%	2,988.19%	1,419.65%	1,165.05%	10,538.29%	2,770.24%	2,911.42%
Free Cash Flow to Firm to Interest Expense	-12.70	-10.01	-11.15	-16.77	121.00	-10.21	-16.18	-17.18	-288.18	400.00	-21.20
Operating Cash Flow to Interest Expense	0.72	1.84	0.50	0.72	0.59	0.68	0.67	0.54	1.65	1.84	4.60
Operating Cash Flow Less CapEx to Interest Expense	0.73	1.85	0.49	0.71	0.58	0.65	0.63	0.49	1.63	1.77	4.44
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	8.53	7.29	6.15	5.14	6.53	6.36	6.53	6.82	6.70	6.30	6.13
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	5,398	5,023	5,250	5,270	3,764	3,671	3,656	3,503	12,225	2,946	2,625
Invested Capital Turnover	0.17	0.16	0.14	0.12	0.06	0.14	0.16	0.17	0.07	0.07	0.20
Increase / (Decrease) in Invested Capital	1,634	1,352	1,594	1,768	-8,461	726	1,031	905	10,194	-9,196	303
Enterprise Value (EV)	4,745	4,647	4,806	3,500	2,980	3,073	2,931	2,797	1,097	2,581	2,202
Market Capitalization	2,241	2,431	2,422	1,076	1,070	1,272	1,087	1,146	1,320	1,420	1,313
Book Value per Share	$20.38	$19.93	$20.09	$33.63	$22.52	$22.36	$21.46	$21.74	$21.73	$21.22	$20.60
Tangible Book Value per Share	$14.17	$13.66	$13.66	$22.43	$16.45	$16.30	$15.40	$15.66	$15.62	$15.10	$14.47
Total Capital	5,398	5,023	5,250	5,270	3,764	3,671	3,656	3,503	1,651	2,946	2,625
Total Debt	2,739	2,422	2,629	2,715	2,069	1,981	2,033	1,860	11	1,348	1,074
Total Long-Term Debt	403	402	414	413	11	11	11	11	11	10	10
Net Debt	2,505	2,216	2,385	2,424	1,910	1,800	1,844	1,651	-223	1,161	889
Capital Expenditures (CapEx)	-1.21	-1.50	1.29	0.98	0.54	1.55	2.94	2.35	0.55	1.53	1.94
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	-3.44	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	2,739	2,422	2,629	2,715	2,069	1,981	2,033	1,860	10,585	1,348	1,074
Total Depreciation and Amortization (D&A)	21	29	14	12	7.30	7.74	13	2.54	7.54	8.09	8.76
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.49	$0.37	$0.36	($0.11)	$0.43	$0.37	$0.38	$0.43	$0.54	$0.66	$0.58
Adjusted Weighted Average Basic Shares Outstanding	130.33M	109.67M	129.94M	102.96M	75.26M	74.84M	74.91M	74.82M	74.65M	74.70M	74.30M
Adjusted Diluted Earnings per Share	$0.49	$0.37	$0.36	($0.11)	$0.43	$0.36	$0.38	$0.43	$0.54	$0.66	$0.58
Adjusted Weighted Average Diluted Shares Outstanding	130.38M	109.71M	130.00M	102.96M	75.28M	74.87M	74.91M	74.83M	74.70M	74.78M	74.39M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	130.66M	130.49M	130.49M	130.49M	75.98M	75.60M	75.61M	75.61M	75.56M	75.33M	75.28M
Normalized Net Operating Profit after Tax (NOPAT)	64	64	57	-1.68	34	29	30	33	41	49	46
Normalized NOPAT Margin	30.67%	31.15%	27.30%	-1.03%	29.46%	25.28%	26.22%	28.22%	31.69%	37.06%	32.99%
Pre Tax Income Margin	44.00%	30.45%	30.99%	-13.02%	37.54%	34.65%	32.36%	36.82%	42.15%	50.84%	43.56%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.74	0.48	0.47	-0.20	0.61	0.58	0.60	0.86	1.56	2.91	4.91
NOPAT to Interest Expense	0.52	0.37	0.33	-0.14	0.46	0.40	0.46	0.63	1.15	2.12	3.55
EBIT Less CapEx to Interest Expense	0.75	0.49	0.46	-0.21	0.60	0.56	0.56	0.81	1.55	2.84	4.75
NOPAT Less CapEx to Interest Expense	0.53	0.38	0.33	-0.15	0.45	0.38	0.41	0.58	1.13	2.06	3.39
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	77.77%	87.39%	91.31%	95.32%	60.03%	56.42%	48.02%	43.64%	41.77%	41.00%	44.11%
Augmented Payout Ratio	77.77%	87.39%	91.31%	95.32%	60.03%	56.42%	48.02%	43.64%	41.77%	67.49%	76.64%

Frequently Asked Questions About Provident Financial Services' Financials

When does Provident Financial Services's financial year end?

According to the most recent income statement we have on file, Provident Financial Services' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Provident Financial Services' net income changed over the last 9 years?

Provident Financial Services' net income appears to be on an upward trend, with a most recent value of $115.53 million in 2024, rising from $83.72 million in 2015. The previous period was $128.40 million in 2023. Check out Provident Financial Services' forecast to explore projected trends and price targets.

How has Provident Financial Services revenue changed over the last 9 years?

Over the last 9 years, Provident Financial Services' total revenue changed from $305.10 million in 2015 to $694.73 million in 2024, a change of 127.7%.

How much debt does Provident Financial Services have?

Provident Financial Services' total liabilities were at $21.45 billion at the end of 2024, a 71.3% increase from 2023, and a 178.0% increase since 2015.

How much cash does Provident Financial Services have?

In the past 9 years, Provident Financial Services' cash and equivalents has ranged from $92.51 million in 2016 to $532.35 million in 2020, and is currently $205.94 million as of their latest financial filing in 2024.

How has Provident Financial Services' book value per share changed over the last 9 years?

Over the last 9 years, Provident Financial Services' book value per share changed from 18.19 in 2015 to 19.93 in 2024, a change of 9.6%.

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This page (NYSE:PFS) was last updated on 5/25/2025 by MarketBeat.com Staff

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Provident Financial Services (PFS) Financials

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