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Provident Financial Services (PFS) Financials

Provident Financial Services logo
$23.33 +0.01 (+0.06%)
Closing price 09/11/2026 03:58 PM Eastern
Extended Trading
$23.28 -0.06 (-0.25%)
As of 09/11/2026 08:00 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Provident Financial Services

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 84 88 94 118 113 97 168 176 128 116 291
Consolidated Net Income / (Loss)		 84 88 94 118 113 97 168 176 128 116 291
Net Income / (Loss) Continuing Operations		 84 88 94 118 113 97 168 176 128 116 291
Total Pre-Tax Income 		120 125 140 144 147 128 227 240 176 150 408
Total Revenue		 305 314 334 359 362 385 453 505 479 695 870
Net Interest Income / (Expense)		 250 259 278 301 298 313 366 418 399 601 761
Total Interest Income		 292 302 324 360 371 363 402 466 616 1,046 1,273
Loans and Leases Interest Income		 255 266 93 315 324 324 365 418 556 944 1,133
Investment Securities Interest Income		 37 36 229 44 44 37 35 47 56 95 136
Federal Funds Sold and Securities Borrowed Interest Income		 0.06 0.50 1.27 1.73 2.72 2.40 2.73 2.02 3.43 7.06 3.01
Total Interest Expense		 42 44 46 59 73 51 36 49 216 446 512
Deposits Interest Expense		 15 17 19 31 45 34 27 39 159 350 400
Long-Term Debt Interest Expense		 27 27 26 28 28 17 9.80 9.93 57 96 112
Total Non-Interest Income		 55 55 56 59 64 72 87 88 80 94 110
Trust Fees by Commissions		 17 18 18 18 23 26 31 28 28 31 29
Other Service Charges		 32 32 31 33 35 37 38 42 32 39 51
Net Realized & Unrealized Capital Gains on Investments		 0.65 0.06 0.06 2.22 0.07 0.08 0.26 0.18 0.03 -2.99 0.84
Other Non-Interest Income		 5.35 5.47 6.69 5.51 6.30 10 18 17 20 28 28
Provision for Credit Losses		 4.35 5.40 5.60 24 13 30 -24 5.00 28 88 3.58
Total Non-Interest Expense		 181 184 188 192 202 228 250 260 275 458 459
Salaries and Employee Benefits		 100 106 109 111 117 131 143 147 148 218 253
Net Occupancy & Equipment Expense		 39 38 39 40 43 48 53 56 55 81 90
Marketing Expense		 4.23 3.69 3.90 3.84 4.12 4.40 3.95 5.19 4.82 5.15 5.53
Property & Liability Insurance Claims		 5.04 4.89 3.89 3.48 1.32 3.12 6.26 5.20 8.58 13 13
Other Operating Expenses		 29 28 29 31 34 38 40 39 47 55 60
Amortization Expense		 4.07 3.39 2.67 2.13 2.74 3.43 3.66 3.29 2.95 29 37
Restructuring Charge		 - - - - - - 0.00 4.13 7.83 57 0.00
Income Tax Expense		 36 37 47 26 34 31 59 64 47 34 117
Basic Earnings per Share		 $1.33 $1.38 $1.46 $1.82 $1.74 $1.39 $2.20 $2.35 $1.72 $1.05 $2.23
Weighted Average Basic Shares Outstanding		 62.95M 63.64M 64.38M 64.94M 64.60M 69.55M 76.47M 74.70M 74.84M 109.67M 130.46M
Diluted Earnings per Share		 $1.33 $1.38 $1.45 $1.82 $1.74 $1.39 $2.19 $2.35 $1.71 $1.05 $2.23
Weighted Average Diluted Shares Outstanding		 63.11M 63.85M 64.58M 65.10M 64.73M 69.63M 76.56M 74.78M 74.87M 109.71M 130.51M
Weighted Average Basic & Diluted Shares Outstanding		 62.90M 63.60M 64.30M 65M 65.96M 77.79M 77.11M 75.33M 75.60M 130.49M 130.70M
Cash Dividends to Common per Share		 - - $0.93 $0.82 $1.12 $0.92 $0.94 - $0.96 $0.96 $0.96

Quarterly Income Statements for Provident Financial Services

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 27 32 -11 46 49 64 72 72 83 79 78
Consolidated Net Income / (Loss)		 27 32 -11 46 49 64 72 72 83 79 78
Net Income / (Loss) Continuing Operations		 27 32 -11 46 49 64 72 72 83 79 78
Total Pre-Tax Income 		40 43 -21 65 63 92 102 102 112 110 106
Total Revenue		 115 114 164 211 206 209 214 222 226 225 235
Net Interest Income / (Expense)		 96 94 142 184 182 182 187 194 197 194 203
Total Interest Income		 164 164 248 323 312 305 316 326 325 315 327
Loans and Leases Interest Income		 149 148 223 292 281 273 282 290 288 279 288
Investment Securities Interest Income		 14 15 23 28 29 32 33 35 36 35 38
Federal Funds Sold and Securities Borrowed Interest Income		 0.76 1.18 1.86 2.43 1.60 0.68 0.79 0.76 0.79 0.69 0.75
Total Interest Expense		 68 70 106 139 130 124 129 132 127 121 124
Deposits Interest Expense		 51 53 81 110 106 97 96 102 104 92 92
Long-Term Debt Interest Expense		 18 18 25 29 24 26 33 30 23 29 32
Total Non-Interest Income		 19 21 22 27 24 27 27 27 28 31 32
Trust Fees by Commissions		 6.84 7.49 7.77 7.62 7.66 7.33 6.95 7.35 7.63 7.40 7.52
Other Service Charges		 7.73 6.71 9.67 11 11 12 12 13 13 13 15
Net Realized & Unrealized Capital Gains on Investments		 -0.01 -0.00 -2.97 0.00 -0.01 0.09 0.65 0.07 0.69 0.00 0.64
Other Non-Interest Income		 4.41 6.61 7.81 7.94 5.55 7.74 7.53 6.51 6.65 11 9.24
Provision for Credit Losses		 -0.12 -0.32 70 9.30 8.37 0.64 -2.89 7.04 -1.21 -2.12 9.33
Total Non-Interest Expense		 75 72 115 136 135 116 115 113 115 117 119
Salaries and Employee Benefits		 39 40 55 63 60 62 63 63 64 66 67
Net Occupancy & Equipment Expense		 14 15 20 23 22 24 23 22 22 25 22
Marketing Expense		 1.08 0.97 1.17 1.52 1.49 1.06 1.43 1.64 1.40 0.94 1.51
Property & Liability Insurance Claims		 2.89 2.27 3.10 4.18 3.41 3.39 3.34 3.42 2.76 2.84 3.16
Other Operating Expenses		 15 10 11 16 18 16 14 13 15 14 15
Amortization Expense		 0.72 0.71 6.48 12 9.51 9.50 9.50 9.50 8.58 8.56 8.56
Restructuring Charge		 2.48 2.20 19 16 20 - 0.00 0.00 - - 1.51
Income Tax Expense		 12 11 -9.83 19 14 28 30 30 29 31 28
Basic Earnings per Share		 $0.37 $0.43 ($0.11) $0.36 $0.37 $0.49 $0.55 $0.55 $0.64 $0.61 $0.60
Weighted Average Basic Shares Outstanding		 74.84M 75.26M 102.96M 129.94M 109.67M 130.33M 130.48M 130.51M 130.46M 130.51M 130.33M
Diluted Earnings per Share		 $0.36 $0.43 ($0.11) $0.36 $0.37 $0.49 $0.55 $0.55 $0.64 $0.61 $0.60
Weighted Average Diluted Shares Outstanding		 74.87M 75.28M 102.96M 130.00M 109.71M 130.38M 130.50M 130.55M 130.51M 130.59M 130.39M
Weighted Average Basic & Diluted Shares Outstanding		 75.60M 75.98M 130.49M 130.49M 130.49M 130.66M 130.62M 130.62M 130.70M 130.31M 130.42M

Annual Cash Flow Statements for Provident Financial Services

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -1.54 42 47 -48 44 346 180 -526 -6.25 26 5.55
Net Cash From Operating Activities		 115 127 117 156 137 103 157 200 173 426 442
Net Cash From Continuing Operating Activities		 115 127 117 156 137 103 157 200 173 426 442
Net Income / (Loss) Continuing Operations		 84 88 94 118 113 97 168 176 128 116 291
Consolidated Net Income / (Loss)		 84 88 94 118 113 97 168 176 128 116 291
Provision For Loan Losses		 4.35 5.40 5.60 24 13 32 -23 5.00 28 88 3.58
Depreciation Expense		 14 13 12 10 10 11 13 13 12 41 51
Amortization Expense		 12 12 11 9.43 17 20 27 24 19 21 31
Non-Cash Adjustments to Reconcile Net Income		 1.44 7.42 44 4.38 2.21 -18 5.93 -11 -2.91 126 135
Changes in Operating Assets and Liabilities, net		 -0.08 1.79 -49 -10 -18 -38 -33 -5.66 -11 36 -70
Net Cash From Investing Activities		 -409 -581 -306 47 43 -504 -717 -648 -470 508 -1,052
Net Cash From Continuing Investing Activities		 -409 -581 -306 47 43 -504 -717 -648 -470 508 -1,052
Purchase of Property, Leasehold Improvements and Equipment		 -5.91 -5.00 -3.23 -3.16 -4.88 -13 -14 -9.41 -7.49 -1.31 -12
Acquisitions		 -26 - 0.00 0.00 -15 78 - 0.00 0.00 195 0.00
Purchase of Investment Securities		 -729 -910 -734 -415 -378 -405 -1,446 -1,171 -915 -854 -2,003
Sale of Property, Leasehold Improvements and Equipment		 0.02 0.01 21 0.03 0.00 0.95 0.04 0.02 0.11 0.00 2.35
Sale and/or Maturity of Investments		 352 334 410 465 441 -166 744 533 453 1,169 959
Net Cash From Financing Activities		 292 496 236 -251 -136 747 740 -79 290 -908 616
Net Cash From Continuing Financing Activities		 292 496 236 -251 -136 747 740 -79 290 -908 616
Net Change in Deposits		 133 631 162 116 274 985 1,396 -670 -269 -292 653
Issuance of Debt		 748 390 670 695 1,243 2,430 905 3,982 535 876 150
Repayment of Debt		 -550 -485 -540 -995 -1,560 -2,581 -1,469 -3,272 98 -1,390 -58
Repurchase of Common Equity		 0.00 -1.56 -0.44 -13 -20 -21 -21 -47 0.00 0.00 0.00
Payment of Dividends		 -41 -45 -60 -54 -73 -66 -71 -72 -72 -101 -126
Other Financing Activities, Net		 2.63 6.63 4.29 0.82 0.38 -0.52 -0.07 -1.02 -0.89 -1.32 -2.87
Cash Interest Paid		 42 44 46 59 74 49 36 47 210 397 494
Cash Income Taxes Paid		 41 34 41 15 34 37 57 51 46 36 103

Quarterly Cash Flow Statements for Provident Financial Services

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -9.01 -22 132 -46 -38 28 25 43 -90 11 6.21
Net Cash From Operating Activities		 46 41 77 69 239 89 187 98 69 85 119
Net Cash From Continuing Operating Activities		 46 41 77 69 239 89 187 98 69 85 119
Net Income / (Loss) Continuing Operations		 27 32 -11 46 49 64 72 72 83 79 78
Consolidated Net Income / (Loss)		 27 32 -11 46 49 64 72 72 83 79 78
Provision For Loan Losses		 -0.86 -0.32 70 9.30 8.88 0.64 -2.89 7.04 -1.21 -2.12 9.33
Depreciation Expense		 2.86 2.80 9.55 16 13 13 13 13 12 12 12
Amortization Expense		 4.88 4.50 2.69 -2.05 15 7.88 0.70 14 8.17 7.48 8.53
Non-Cash Adjustments to Reconcile Net Income		 4.78 1.43 -5.76 5.36 125 -3.97 147 -14 5.92 3.55 -4.87
Changes in Operating Assets and Liabilities, net		 7.35 0.92 12 -6.14 29 6.77 -44 5.90 -39 -16 16
Net Cash From Investing Activities		 -132 55 763 -17 -293 -176 -427 -242 -207 -232 -451
Net Cash From Continuing Investing Activities		 -132 55 762 -16 -293 -176 -427 -242 -207 -232 -451
Purchase of Property, Leasehold Improvements and Equipment		 -1.59 -0.54 -0.98 -1.29 1.50 -1.14 -4.21 -1.33 -4.87 -3.69 -10
Purchase of Investment Securities		 -251 -29 -183 -195 -447 -422 -639 -453 -489 -450 -747
Sale of Property, Leasehold Improvements and Equipment		 0.04 0.00 - - - 2.35 - - - 2.71 0.06
Sale and/or Maturity of Investments		 120 85 752 179 153 244 216 212 287 218 307
Net Cash From Financing Activities		 77 -118 -707 -99 15 116 265 187 48 158 338
Net Cash From Continuing Financing Activities		 77 -118 -707 -99 15 116 265 187 48 158 338
Net Change in Deposits		 147 -187 -367 20 242 -166 259 384 176 -170 444
Issuance of Debt		 26 88 221 -0.06 636 570 -66 50 -405 50 348
Repayment of Debt		 -78 0.00 -542 -88 -830 -255 104 -215 307 321 -424
Payment of Dividends		 -18 -18 -19 -31 -32 -32 -31 -31 -31 -31 -30
Other Financing Activities, Net		 -0.01 -1.24 -0.05 -0.03 - -1.85 -1.00 -0.03 -0.01 -0.74 -0.44
Cash Interest Paid		 67 66 71 116 144 126 123 121 125 107 120
Cash Income Taxes Paid		 7.60 1.32 17 17 0.74 1.03 56 9.33 37 2.51 23

Annual Balance Sheets for Provident Financial Services

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 8,912 9,500 9,845 9,726 9,809 12,920 13,781 13,783 14,211 24,052 24,981
Trading Account Securities		 1,438 1,529 1,515 1,543 1,431 1,557 - 2,193 2,054 3,116 3,467
Loans and Leases, Net of Allowance		 6,476 6,942 7,266 7,195 7,277 9,721 0.00 10,161 10,765 18,466 19,319
Loans and Leases		 6,538 7,003 7,326 7,251 7,333 9,823 - 10,249 10,872 18,659 19,504
Allowance for Loan and Lease Losses		 61 62 60 56 56 101 - 88 107 193 185
Loans Held for Sale		 - - - - - - - - 1.79 162 15
Premises and Equipment, Net		 89 84 63 58 55 76 81 80 71 120 113
Intangible Assets		 - - - - - 466 464 461 458 819 782
Other Assets		 381 431 441 369 421 566 519 703 601 1,050 1,073
Total Liabilities & Shareholders' Equity		 8,912 9,500 9,845 9,726 9,809 12,920 13,781 13,783 14,211 24,052 24,981
Total Liabilities		 7,716 8,249 8,547 8,367 8,395 11,300 1,639 12,186 12,520 21,451 22,147
Interest Bearing Deposits		 5,924 6,554 6,714 6,830 7,103 9,838 1,461 10,563 10,293 18,624 19,279
Short-Term Debt		 1,708 1,613 1,743 1,442 - 1,176 - 1,337 1,970 2,020 2,112
Long-Term Debt		 - - - - 1,125 25 - 10 11 402 407
Other Long-Term Liabilities		 84 82 90 94 167 261 179 275 247 405 350
Total Equity & Noncontrolling Interests		 1,196 1,252 1,299 1,359 1,414 1,620 1,697 1,598 1,691 2,601 2,833
Total Preferred & Common Equity		 1,196 1,252 1,299 1,359 1,414 1,620 1,697 1,598 1,691 2,601 2,833
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,196 1,252 1,299 1,359 1,414 1,620 1,697 1,598 1,691 2,601 2,833
Common Stock		 995 1,001 1,009 1,018 1,004 959 971 979 987 1,836 1,846
Retained Earnings		 508 551 586 651 695 718 815 918 975 989 1,154
Treasury Stock		 -269 -264 -260 -272 -269 -59 -80 -127 -128 -88 -91
Accumulated Other Comprehensive Income / (Loss)		 -2.55 -3.40 -7.47 -12 3.82 18 6.86 -165 -141 -135 -76

Quarterly Balance Sheets for Provident Financial Services

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 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 13,779 14,030 14,087 14,131 24,070 24,043 24,225 24,547 24,833 25,202 25,663
Cash and Due from Banks		 234 209 189 158 291 244 234 259 302 222 228
Trading Account Securities		 2,204 2,130 2,028 2,022 2,997 3,077 3,212 3,348 3,453 3,260 3,307
Loans and Leases, Net of Allowance		 10,131 10,428 10,560 10,736 18,571 18,603 18,600 18,917 19,099 19,471 19,861
Loans and Leases		 10,224 10,531 10,668 10,843 18,759 18,795 18,791 19,105 19,286 19,648 20,046
Allowance for Loan and Lease Losses		 93 102 108 106 188 191 192 188 187 177 185
Loans Held for Sale		 - - - - 4.45 5.76 150 6.92 14 7.52 5.48
Premises and Equipment, Net		 72 71 71 69 127 125 115 116 113 110 112
Intangible Assets		 460 459 459 457 852 839 810 800 791 774 765
Other Assets		 663 732 779 687 1,229 1,148 1,104 1,101 1,061 1,357 1,385
Total Liabilities & Shareholders' Equity		 13,779 14,030 14,087 14,131 24,070 24,043 24,225 24,547 24,833 25,202 25,663
Total Liabilities		 1,565 12,387 12,464 12,436 21,515 21,421 21,566 21,840 22,066 22,339 22,756
Interest Bearing Deposits		 1,351 10,261 10,141 10,099 18,353 18,376 18,449 18,709 19,096 19,100 19,545
Long-Term Debt		 11 11 11 11 413 414 403 404 405 2,891 2,817
Other Long-Term Liabilities		 203 266 290 268 447 417 378 352 355 348 395
Total Equity & Noncontrolling Interests		 1,640 1,642 1,623 1,695 2,556 2,621 2,659 2,708 2,767 2,863 2,907
Total Preferred & Common Equity		 1,640 1,642 1,623 1,695 2,556 2,621 2,659 2,708 2,767 2,863 2,907
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,637 1,642 1,623 1,695 2,556 2,621 2,659 2,708 2,767 2,863 2,907
Common Stock		 982 984 986 989 1,868 1,870 1,838 1,841 1,843 1,849 1,851
Retained Earnings		 941 954 965 988 958 973 1,021 1,062 1,102 1,202 1,250
Treasury Stock		 -128 -128 -128 -129 -129 -129 -90 -91 -91 -102 -103
Accumulated Other Comprehensive Income / (Loss)		 -148 -162 -195 -152 -140 -93 -110 -104 -87 -86 -92

Annual Metrics And Ratios for Provident Financial Services

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 130,622,384.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 130,622,384.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 2.23
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.94% 2.90% 6.35% 7.62% 0.67% 6.42% 17.62% 11.60% -5.16% 44.95% 25.29%
EBITDA Growth		 14.01% 2.81% 8.94% 0.23% 6.79% -9.10% 67.83% 3.92% -25.38% 2.49% 131.81%
EBIT Growth		 13.99% 3.84% 12.58% 2.45% 2.20% -13.28% 78.06% 5.72% -26.79% -14.88% 172.80%
NOPAT Growth		 13.70% 4.87% 7.00% 26.01% -4.86% -13.92% 73.20% 4.60% -26.90% -10.03% 152.03%
Net Income Growth		 13.70% 4.87% 7.00% 26.01% -4.86% -13.92% 73.20% 4.60% -26.90% -10.03% 152.03%
EPS Growth		 9.02% 3.76% 5.07% 25.52% -4.40% -20.11% 57.55% 7.31% -27.23% -38.60% 112.38%
Operating Cash Flow Growth		 12.97% 10.83% -7.92% 32.84% -12.07% -24.56% 51.80% 27.74% -13.44% 145.90% 3.73%
Free Cash Flow Firm Growth		 54.60% 176.48% -165.13% 533.25% 4.64% -149.34% -4,848.58% 202.39% -106.37% -106.98% 96.98%
Invested Capital Growth		 9.41% -1.35% 6.17% -7.89% -9.36% 11.10% 330.43% -75.74% 24.64% 36.82% 6.54%
Revenue Q/Q Growth		 1.62% 0.48% 1.24% 2.20% -0.64% 5.07% 1.20% 3.65% -3.54% 15.10% 2.33%
EBITDA Q/Q Growth		 -0.29% 1.37% 0.96% 3.66% -3.03% 15.28% 0.23% 4.83% -11.88% 26.15% 11.48%
EBIT Q/Q Growth		 -0.21% 1.48% 1.79% 4.78% -5.04% 17.43% -0.36% 6.75% -13.53% 18.11% 13.81%
NOPAT Q/Q Growth		 0.35% 1.21% -3.18% 15.94% -8.01% 17.75% -1.91% 7.16% -14.47% 22.49% 13.62%
Net Income Q/Q Growth		 0.35% 1.21% -3.18% 15.94% -8.01% 17.75% -1.91% 7.16% -14.47% 22.49% 13.62%
EPS Q/Q Growth		 -0.75% 1.47% -3.97% 16.67% -8.42% 14.88% -3.52% 7.80% -14.93% 0.96% 13.78%
Operating Cash Flow Q/Q Growth		 6.55% 12.24% -12.10% -2.34% 4.05% 41.68% -13.41% 4.18% 2.29% 82.67% -27.81%
Free Cash Flow Firm Q/Q Growth		 31.15% -52.03% -317.92% 440.13% 81.95% -3.07% -1,129.81% 6,839.40% 32.17% 17.55% -130.03%
Invested Capital Q/Q Growth		 -1.39% 3.54% 7.62% -2.11% -8.60% -7.20% 422.90% 12.21% 0.42% -4.31% -0.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.72% 47.68% 48.84% 45.49% 48.25% 41.21% 58.81% 54.76% 43.09% 30.47% 56.37%
EBIT Margin		 39.38% 39.74% 42.07% 40.05% 40.66% 33.13% 50.16% 47.51% 36.68% 21.54% 46.89%
Profit (Net Income) Margin		 27.44% 27.97% 28.14% 32.94% 31.13% 25.18% 37.08% 34.76% 26.79% 16.63% 33.45%
Tax Burden Percent		 69.67% 70.36% 66.88% 82.26% 76.58% 76.01% 73.94% 73.15% 73.05% 77.21% 71.34%
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		 30.33% 29.64% 33.12% 17.74% 23.42% 23.99% 26.06% 26.85% 26.95% 22.79% 28.66%
Return on Invested Capital (ROIC)		 3.01% 3.04% 3.18% 4.05% 4.22% 3.62% 2.24% 2.33% 3.88% 2.66% 5.61%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.01% 3.04% 3.18% 4.05% 4.22% 3.62% 2.24% 2.33% 3.88% 2.66% 5.61%
Return on Net Nonoperating Assets (RNNOA)		 4.14% 4.13% 4.19% 4.86% 3.91% 2.77% 7.88% 8.33% 3.93% 2.73% 5.10%
Return on Equity (ROE)		 7.16% 7.17% 7.37% 8.91% 8.12% 6.39% 10.13% 10.66% 7.81% 5.38% 10.72%
Cash Return on Invested Capital (CROIC)		 -5.97% 4.40% -2.80% 12.27% 14.04% -6.90% -122.35% 124.24% -18.06% -28.44% -0.72%
Operating Return on Assets (OROA)		 1.38% 1.36% 1.45% 1.47% 1.51% 1.12% 1.70% 1.74% 1.26% 0.78% 1.66%
Return on Assets (ROA)		 0.96% 0.95% 0.97% 1.21% 1.15% 0.85% 1.26% 1.27% 0.92% 0.60% 1.19%
Return on Common Equity (ROCE)		 7.16% 7.17% 7.37% 8.91% 8.12% 6.39% 10.13% 10.66% 7.81% 5.38% 10.72%
Return on Equity Simple (ROE_SIMPLE)		 7.00% 7.01% 7.23% 8.71% 7.97% 5.99% 9.89% 10.99% 7.59% 4.44% 10.28%
Net Operating Profit after Tax (NOPAT)		 84 88 94 118 113 97 168 176 128 116 291
NOPAT Margin		 27.44% 27.97% 28.14% 32.94% 31.13% 25.18% 37.08% 34.76% 26.79% 16.63% 33.45%
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% 0.00%
SG&A Expenses to Revenue		 46.75% 47.11% 45.66% 43.15% 45.25% 47.58% 44.17% 41.30% 43.52% 43.77% 40.08%
Operating Expenses to Revenue		 59.19% 58.54% 56.25% 53.36% 55.72% 59.15% 55.22% 51.50% 57.45% 65.86% 52.70%
Earnings before Interest and Taxes (EBIT)		 120 125 140 144 147 128 227 240 176 150 408
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 146 150 163 163 175 159 266 277 207 212 491
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.75 1.05 1.01 0.89 0.90 0.73 0.96 0.89 0.75 0.93 0.90
Price to Tangible Book Value (P/TBV)		 1.16 1.59 1.49 1.29 1.30 1.02 1.32 1.25 1.03 1.36 1.24
Price to Revenue (P/Rev)		 2.94 4.19 3.92 3.38 3.52 3.05 3.59 2.81 2.65 3.50 2.93
Price to Earnings (P/E)		 10.71 14.98 13.92 10.25 11.31 12.12 9.68 8.08 9.91 21.04 8.77
Dividend Yield		 4.77% 3.58% 4.75% 5.36% 4.77% 6.15% 4.43% 5.09% 5.71% 5.15% 4.91%
Earnings Yield		 9.34% 6.67% 7.19% 9.75% 8.84% 8.25% 10.33% 12.37% 10.09% 4.75% 11.41%
Enterprise Value to Invested Capital (EV/IC)		 0.86 0.99 0.96 0.90 0.87 0.65 0.09 0.88 0.84 0.93 0.91
Enterprise Value to Revenue (EV/Rev)		 8.20 9.03 8.72 6.99 6.12 4.79 2.47 5.11 6.41 6.69 5.58
Enterprise Value to EBITDA (EV/EBITDA)		 17.19 18.95 17.85 15.38 12.67 11.62 4.20 9.33 14.88 21.96 9.91
Enterprise Value to EBIT (EV/EBIT)		 20.83 22.73 20.72 17.46 15.04 14.46 4.93 10.75 17.48 31.06 11.91
Enterprise Value to NOPAT (EV/NOPAT)		 29.90 32.30 30.98 21.23 19.64 19.02 6.66 14.70 23.93 40.23 16.69
Enterprise Value to Operating Cash Flow (EV/OCF)		 21.79 22.28 24.83 16.14 16.16 17.85 7.14 12.89 17.72 10.90 10.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 22.33 0.00 7.01 5.90 0.00 0.00 0.28 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.43 1.29 1.34 1.06 0.80 0.74 0.00 0.84 1.17 0.93 0.89
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.80 0.02 0.00 0.01 0.01 0.15 0.14
Financial Leverage		 1.37 1.36 1.32 1.20 0.93 0.77 3.51 3.58 1.01 1.03 0.91
Leverage Ratio		 7.45 7.52 7.59 7.36 7.04 7.49 8.05 8.37 8.51 8.92 9.02
Compound Leverage Factor		 7.45 7.52 7.59 7.36 7.04 7.49 8.05 8.37 8.51 8.92 9.02
Debt to Total Capital		 58.81% 56.30% 57.30% 51.49% 44.31% 42.58% 0.00% 45.76% 53.95% 48.22% 47.06%
Short-Term Debt to Total Capital		 58.81% 56.30% 57.30% 51.49% 0.00% 41.69% 0.00% 45.40% 53.66% 40.22% 39.46%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 44.31% 0.89% 0.00% 0.36% 0.29% 8.00% 7.60%
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		 41.19% 43.70% 42.70% 48.51% 55.69% 57.42% 100.00% 54.24% 46.05% 51.78% 52.94%
Debt to EBITDA		 11.73 10.77 10.69 8.82 6.45 7.57 0.00 4.87 9.59 11.44 5.13
Net Debt to EBITDA		 11.04 10.16 9.83 7.95 5.38 4.21 0.00 4.20 8.72 10.47 4.70
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 6.45 0.16 0.00 0.04 0.05 1.90 0.83
Debt to NOPAT		 20.40 18.37 18.55 12.18 9.99 12.39 0.00 7.67 15.43 20.97 8.65
Net Debt to NOPAT		 19.19 17.31 17.06 10.98 8.33 6.90 0.00 6.61 14.02 19.18 7.92
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 9.99 0.26 0.00 0.06 0.08 3.48 1.40
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -166 127 -83 358 375 -185 -9,153 9,372 -597 -1,236 -37
Operating Cash Flow to CapEx		 1,950.19% 2,555.89% 0.00% 4,963.95% 2,804.69% 869.68% 1,139.39% 2,133.45% 2,348.58% 32,622.88% 4,811.92%
Free Cash Flow to Firm to Interest Expense		 -3.96 2.90 -1.81 6.06 5.10 -3.65 -252.04 192.73 -2.76 -2.78 -0.07
Operating Cash Flow to Interest Expense		 2.74 2.91 2.57 2.63 1.86 2.04 4.32 4.12 0.80 0.96 0.86
Operating Cash Flow Less CapEx to Interest Expense		 2.60 2.80 2.95 2.58 1.80 1.80 3.94 3.93 0.77 0.95 0.85
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.04 0.04 0.03 0.03 0.04 0.03 0.04 0.04
Fixed Asset Turnover		 3.35 3.63 4.53 5.92 6.38 5.87 5.79 6.30 6.36 7.29 7.47
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,904 2,865 3,041 2,801 2,539 2,821 12,142 2,946 3,671 5,023 5,352
Invested Capital Turnover		 0.11 0.11 0.11 0.12 0.14 0.14 0.06 0.07 0.14 0.16 0.17
Increase / (Decrease) in Invested Capital		 250 -39 177 -240 -262 282 9,321 -9,196 726 1,352 328
Enterprise Value (EV)		 2,503 2,836 2,910 2,513 2,212 1,844 1,119 2,581 3,073 4,647 4,860
Market Capitalization		 896 1,316 1,307 1,214 1,274 1,175 1,625 1,420 1,272 2,431 2,553
Book Value per Share		 $18.19 $18.86 $19.45 $20.26 $21.43 $20.62 $21.93 $21.22 $22.36 $19.93 $21.69
Tangible Book Value per Share		 $11.71 $12.49 $13.15 $14.02 $14.80 $14.68 $15.93 $15.10 $16.30 $13.66 $15.70
Total Capital		 2,904 2,865 3,041 2,801 2,539 2,821 1,697 2,946 3,671 5,023 5,352
Total Debt		 1,708 1,613 1,743 1,442 1,125 1,201 0.00 1,348 1,981 2,422 2,519
Total Long-Term Debt		 0.00 0.00 0.00 0.00 1,125 25 0.00 10 11 402 407
Net Debt		 1,607 1,520 1,603 1,300 938 669 -506 1,161 1,800 2,216 2,307
Capital Expenditures (CapEx)		 5.89 4.98 -18 3.14 4.88 12 14 9.39 7.38 1.31 9.19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,708 1,613 1,743 1,442 1,125 1,201 10,445 1,348 1,981 2,422 2,519
Total Depreciation and Amortization (D&A)		 25 25 23 20 27 31 39 37 31 62 82
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.33 $1.38 $1.46 $1.82 $1.74 $1.39 $2.20 $2.35 $1.72 $1.05 $2.23
Adjusted Weighted Average Basic Shares Outstanding		 62.95M 63.64M 64.38M 64.94M 64.60M 69.55M 76.47M 74.70M 74.84M 109.67M 130.46M
Adjusted Diluted Earnings per Share		 $1.33 $1.38 $1.45 $1.82 $1.74 $1.39 $2.19 $2.35 $1.71 $1.05 $2.23
Adjusted Weighted Average Diluted Shares Outstanding		 63.11M 63.85M 64.58M 65.10M 64.73M 69.63M 76.56M 74.78M 74.87M 109.71M 130.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.74 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 65.79M 66.45M 66.84M 66.57M 65.96M 77.79M 77.11M 75.33M 75.60M 130.49M 130.70M
Normalized Net Operating Profit after Tax (NOPAT)		 84 88 94 118 113 97 168 179 134 159 291
Normalized NOPAT Margin		 27.44% 27.97% 28.14% 32.94% 31.13% 25.18% 37.08% 35.36% 27.98% 22.95% 33.45%
Pre Tax Income Margin		 39.38% 39.74% 42.07% 40.05% 40.66% 33.13% 50.16% 47.51% 36.68% 21.54% 46.89%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.87 2.85 3.08 2.43 2.00 2.51 6.25 4.94 0.81 0.34 0.80
NOPAT to Interest Expense		 2.00 2.01 2.06 2.00 1.53 1.91 4.62 3.61 0.59 0.26 0.57
EBIT Less CapEx to Interest Expense		 2.73 2.74 3.46 2.38 1.93 2.28 5.88 4.74 0.78 0.33 0.78
NOPAT Less CapEx to Interest Expense		 1.86 1.89 2.44 1.95 1.47 1.68 4.24 3.42 0.56 0.26 0.55
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 49.31% 51.67% 63.84% 45.28% 64.64% 67.89% 42.57% 41.00% 56.42% 87.39% 43.24%
Augmented Payout Ratio		 49.31% 53.45% 64.31% 56.40% 82.28% 89.72% 54.90% 67.49% 56.42% 87.39% 43.24%

Quarterly Metrics And Ratios for Provident Financial Services

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 130,622,384.00 130,696,286.00 130,313,687.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 130,622,384.00 130,696,286.00 130,313,687.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.64 0.61 0.60
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -13.28% -12.26% 38.22% 82.21% 79.43% 82.36% 30.77% 5.32% 9.62% 7.87% 9.56%
EBITDA Growth		 -36.96% -19.61% -119.67% 57.26% 92.35% 124.57% 1,380.44% 45.66% 61.73% 14.69% 2.47%
EBIT Growth		 -40.89% -21.86% -148.86% 74.53% 57.69% 113.76% 580.55% 55.72% 79.00% 19.94% 3.53%
NOPAT Growth		 -44.30% -20.86% -146.63% 62.56% 77.66% 99.58% 582.36% 54.55% 71.94% 24.03% 8.57%
Net Income Growth		 -44.30% -20.86% -135.89% 62.56% 77.66% 99.58% 726.74% 54.55% 71.94% 24.03% 8.57%
EPS Growth		 -45.45% -20.37% -125.58% -5.26% 2.78% 13.95% 600.00% 52.78% 72.97% 24.49% 9.09%
Operating Cash Flow Growth		 9.14% -28.69% 179.90% 65.98% 416.63% 113.76% 144.13% 41.70% -71.19% -4.36% -36.37%
Free Cash Flow Firm Growth		 -107.55% 183.65% -104.28% -54.40% -86.61% -118.48% 91.93% 96.11% 81.20% 82.39% -10.61%
Invested Capital Growth		 24.64% -69.21% 50.47% 43.60% 36.82% 43.41% 4.10% 2.51% 6.54% 6.59% 4.32%
Revenue Q/Q Growth		 -0.69% -0.24% 43.07% 28.56% -2.21% 1.38% 2.59% 3.54% 1.79% -0.23% 4.20%
EBITDA Q/Q Growth		 -5.53% -9.25% -118.07% 970.79% 15.54% 23.55% 3.01% 11.01% 2.53% -2.18% -2.41%
EBIT Q/Q Growth		 6.35% 8.06% -149.61% 406.10% -3.90% 46.48% 11.53% -0.81% 10.46% -1.85% -3.73%
NOPAT Q/Q Growth		 -4.33% 17.46% -146.51% 410.97% 4.56% 31.95% 12.42% -0.36% 16.33% -4.81% -1.60%
Net Income Q/Q Growth		 -4.33% 17.46% -135.80% 504.05% 4.56% 31.95% 12.42% -0.36% 16.33% -4.81% -1.60%
EPS Q/Q Growth		 -5.26% 19.44% -125.58% 427.27% 2.78% 32.43% 12.24% 0.00% 16.36% -4.69% -1.64%
Operating Cash Flow Q/Q Growth		 11.12% -10.60% 84.75% -9.57% 245.88% -63.01% 111.00% -47.51% -29.67% 22.78% 40.39%
Free Cash Flow Firm Q/Q Growth		 30.31% 1,315.96% -120.99% 13.19% 15.77% -20.44% 90.84% 58.15% -307.02% -12.79% 42.43%
Invested Capital Q/Q Growth		 0.42% 2.52% 40.02% -0.39% -4.31% 7.46% 1.64% -1.91% -0.56% 7.51% -0.52%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.40% 43.91% -5.55% 37.56% 44.38% 54.08% 54.30% 58.22% 58.64% 57.49% 53.85%
EBIT Margin		 34.65% 37.54% -13.02% 30.99% 30.45% 44.00% 47.83% 45.82% 49.73% 48.92% 45.20%
Profit (Net Income) Margin		 23.80% 28.02% -7.01% 22.04% 23.56% 30.67% 33.61% 32.34% 36.96% 35.27% 33.30%
Tax Burden Percent		 68.68% 74.66% 53.87% 71.11% 77.38% 69.71% 70.26% 70.58% 74.33% 72.09% 73.68%
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		 31.32% 25.34% 0.00% 28.89% 22.62% 30.29% 29.74% 29.42% 25.67% 27.91% 26.32%
Return on Invested Capital (ROIC)		 3.45% 1.62% -1.06% 2.99% 3.77% 5.28% 5.25% 5.18% 6.20% 5.61% 5.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.45% 1.62% -0.91% 2.99% 3.77% 5.28% 5.25% 5.18% 6.20% 5.61% 5.39%
Return on Net Nonoperating Assets (RNNOA)		 3.49% 6.16% -0.99% 3.28% 3.86% 5.83% 5.48% 5.04% 5.64% 5.72% 5.37%
Return on Equity (ROE)		 6.94% 7.79% -2.04% 6.27% 7.63% 11.12% 10.72% 10.21% 11.84% 11.33% 10.76%
Cash Return on Invested Capital (CROIC)		 -18.06% 107.33% -38.55% -33.68% -28.44% -32.45% 0.28% 2.34% -0.72% -0.88% 1.35%
Operating Return on Assets (OROA)		 1.19% 1.25% -0.35% 0.98% 1.11% 1.81% 1.65% 1.60% 1.77% 1.76% 1.63%
Return on Assets (ROA)		 0.81% 0.93% -0.19% 0.70% 0.86% 1.26% 1.16% 1.13% 1.31% 1.27% 1.20%
Return on Common Equity (ROCE)		 6.94% 7.78% -2.04% 6.27% 7.63% 11.12% 10.72% 10.21% 11.84% 11.33% 10.76%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.08% 2.99% 3.60% 0.00% 5.55% 8.53% 9.26% 0.00% 10.71% 10.76%
Net Operating Profit after Tax (NOPAT)		 27 32 -15 46 49 64 72 72 83 79 78
NOPAT Margin		 23.80% 28.02% -9.11% 22.04% 23.56% 30.67% 33.61% 32.34% 36.96% 35.27% 33.30%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -0.15% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.15% 49.20% 46.18% 41.92% 40.73% 41.65% 40.76% 39.11% 38.94% 40.75% 38.63%
Operating Expenses to Revenue		 65.46% 62.30% 70.46% 64.59% 65.48% 55.69% 53.52% 51.00% 50.81% 52.02% 50.82%
Earnings before Interest and Taxes (EBIT)		 40 43 -21 65 63 92 102 102 112 110 106
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 48 50 -9.08 79 91 113 116 129 132 129 126
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.75 0.63 0.42 0.92 0.93 0.84 0.85 0.91 0.90 0.97 1.06
Price to Tangible Book Value (P/TBV)		 1.03 0.86 0.63 1.36 1.36 1.21 1.20 1.27 1.24 1.32 1.44
Price to Revenue (P/Rev)		 2.65 2.31 2.12 4.01 3.50 2.84 2.73 2.96 2.93 3.12 3.40
Price to Earnings (P/E)		 9.91 8.92 14.07 25.68 21.04 15.19 9.92 9.83 8.77 9.02 9.85
Dividend Yield		 5.71% 6.78% 8.47% 5.17% 5.15% 5.59% 5.48% 4.98% 4.91% 4.54% 4.06%
Earnings Yield		 10.09% 11.21% 7.11% 3.89% 4.75% 6.58% 10.08% 10.18% 11.41% 11.08% 10.15%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.79 0.66 0.92 0.93 0.88 0.88 0.90 0.91 0.94 0.99
Enterprise Value to Revenue (EV/Rev)		 6.41 6.43 6.88 7.96 6.69 6.01 5.73 5.68 5.58 6.13 6.25
Enterprise Value to EBITDA (EV/EBITDA)		 14.88 15.34 25.18 28.65 21.96 17.30 12.04 10.98 9.91 10.71 11.11
Enterprise Value to EBIT (EV/EBIT)		 17.48 18.20 35.42 37.94 31.06 23.91 14.93 13.47 11.91 12.74 13.18
Enterprise Value to NOPAT (EV/NOPAT)		 23.93 24.85 45.78 50.96 40.23 32.18 20.83 18.85 16.69 17.73 18.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 17.72 19.01 17.00 20.59 10.90 10.02 8.24 7.89 10.99 12.40 15.30
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.35 0.00 0.00 0.00 0.00 318.69 38.86 0.00 0.00 75.14
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.17 1.22 1.06 1.00 0.93 1.03 1.03 0.94 0.89 1.01 0.97
Long-Term Debt to Equity		 0.01 0.01 0.16 0.16 0.15 0.15 0.15 0.15 0.14 1.01 0.97
Financial Leverage		 1.01 3.79 1.09 1.10 1.03 1.10 1.04 0.97 0.91 1.02 1.00
Leverage Ratio		 8.51 8.37 9.08 8.98 8.92 8.81 9.24 9.07 9.02 8.95 8.94
Compound Leverage Factor		 8.51 8.37 9.08 8.98 8.92 8.81 9.24 9.07 9.02 8.95 8.94
Debt to Total Capital		 53.95% 54.96% 51.51% 50.07% 48.22% 50.74% 50.65% 48.58% 47.06% 50.24% 49.21%
Short-Term Debt to Total Capital		 53.66% 54.68% 43.68% 42.18% 40.22% 43.28% 43.28% 41.05% 39.46% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.29% 0.29% 7.83% 7.89% 8.00% 7.46% 7.37% 7.53% 7.60% 50.24% 49.21%
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		 46.05% 45.04% 48.49% 49.93% 51.78% 49.26% 49.35% 51.42% 52.94% 49.76% 50.79%
Debt to EBITDA		 9.59 10.65 19.53 15.67 11.44 9.99 6.95 5.94 5.13 5.70 5.52
Net Debt to EBITDA		 8.72 9.84 17.44 14.21 10.47 9.13 6.31 5.26 4.70 5.26 5.07
Long-Term Debt to EBITDA		 0.05 0.06 2.97 2.47 1.90 1.47 1.01 0.92 0.83 5.70 5.52
Debt to NOPAT		 15.43 17.25 35.51 27.87 20.97 18.57 12.03 10.20 8.65 9.43 9.01
Net Debt to NOPAT		 14.02 15.93 31.71 25.28 19.18 16.99 10.91 9.03 7.92 8.71 8.28
Long-Term Debt to NOPAT		 0.08 0.09 5.40 4.39 3.48 2.73 1.75 1.58 1.40 9.43 9.01
Noncontrolling Interest Sharing Ratio		 0.00% 0.10% 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)		 -698 8,493 -1,783 -1,547 -1,303 -1,570 -144 -60 -245 -276 -159
Operating Cash Flow to CapEx		 2,988.19% 7,725.56% 7,830.30% 5,362.95% 0.00% 0.00% 4,440.49% 7,393.21% 1,417.23% 8,594.11% 1,167.77%
Free Cash Flow to Firm to Interest Expense		 -10.21 121.00 -16.77 -11.15 -10.01 -12.70 -1.11 -0.46 -1.92 -2.28 -1.28
Operating Cash Flow to Interest Expense		 0.68 0.59 0.72 0.50 1.84 0.72 1.45 0.74 0.54 0.70 0.96
Operating Cash Flow Less CapEx to Interest Expense		 0.65 0.58 0.71 0.49 1.85 0.73 1.41 0.73 0.50 0.69 0.88
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.04 0.04 0.03 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 6.36 6.53 5.14 6.15 7.29 8.53 6.91 7.15 7.47 7.86 7.96
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,671 3,764 5,270 5,250 5,023 5,398 5,486 5,382 5,352 5,754 5,724
Invested Capital Turnover		 0.14 0.06 0.12 0.14 0.16 0.17 0.16 0.16 0.17 0.16 0.16
Increase / (Decrease) in Invested Capital		 726 -8,461 1,768 1,594 1,352 1,634 216 132 328 356 237
Enterprise Value (EV)		 3,073 2,980 3,500 4,806 4,647 4,745 4,810 4,831 4,860 5,434 5,669
Market Capitalization		 1,272 1,070 1,076 2,422 2,431 2,241 2,290 2,518 2,553 2,766 3,081
Book Value per Share		 $22.36 $22.52 $33.63 $20.09 $19.93 $20.38 $20.72 $21.18 $21.69 $21.90 $22.31
Tangible Book Value per Share		 $16.30 $16.45 $22.43 $13.66 $13.66 $14.17 $14.60 $15.13 $15.70 $15.99 $16.44
Total Capital		 3,671 3,764 5,270 5,250 5,023 5,398 5,486 5,382 5,352 5,754 5,724
Total Debt		 1,981 2,069 2,715 2,629 2,422 2,739 2,779 2,615 2,519 2,891 2,817
Total Long-Term Debt		 11 11 413 414 402 403 404 405 407 2,891 2,817
Net Debt		 1,800 1,910 2,424 2,385 2,216 2,505 2,520 2,313 2,307 2,669 2,588
Capital Expenditures (CapEx)		 1.55 0.54 0.98 1.29 -1.50 -1.21 4.21 1.33 4.87 0.99 10
Net Nonoperating Expense (NNE)		 0.00 0.00 -3.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,981 2,069 2,715 2,629 2,422 2,739 2,779 2,615 2,519 2,891 2,817
Total Depreciation and Amortization (D&A)		 7.74 7.30 12 14 29 21 14 27 20 19 20
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.37 $0.43 ($0.11) $0.36 $0.37 $0.49 $0.55 $0.55 $0.64 $0.61 $0.60
Adjusted Weighted Average Basic Shares Outstanding		 74.84M 75.26M 102.96M 129.94M 109.67M 130.33M 130.48M 130.51M 130.46M 130.51M 130.33M
Adjusted Diluted Earnings per Share		 $0.36 $0.43 ($0.11) $0.36 $0.37 $0.49 $0.55 $0.55 $0.64 $0.61 $0.60
Adjusted Weighted Average Diluted Shares Outstanding		 74.87M 75.28M 102.96M 130.00M 109.71M 130.38M 130.50M 130.55M 130.51M 130.59M 130.39M
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		 75.60M 75.98M 130.49M 130.49M 130.49M 130.66M 130.62M 130.62M 130.70M 130.31M 130.42M
Normalized Net Operating Profit after Tax (NOPAT)		 29 34 -1.68 57 64 64 72 72 83 79 79
Normalized NOPAT Margin		 25.28% 29.46% -1.03% 27.30% 31.15% 30.67% 33.61% 32.34% 36.96% 35.27% 33.78%
Pre Tax Income Margin		 34.65% 37.54% -13.02% 30.99% 30.45% 44.00% 47.83% 45.82% 49.73% 48.92% 45.20%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.58 0.61 -0.20 0.47 0.48 0.74 0.79 0.77 0.88 0.91 0.86
NOPAT to Interest Expense		 0.40 0.46 -0.14 0.33 0.37 0.52 0.56 0.54 0.65 0.65 0.63
EBIT Less CapEx to Interest Expense		 0.56 0.60 -0.21 0.46 0.49 0.75 0.76 0.76 0.84 0.90 0.77
NOPAT Less CapEx to Interest Expense		 0.38 0.45 -0.15 0.33 0.38 0.53 0.52 0.53 0.62 0.65 0.55
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 56.42% 60.03% 95.32% 91.31% 87.39% 77.77% 55.00% 49.55% 43.24% 40.91% 39.78%
Augmented Payout Ratio		 56.42% 60.03% 95.32% 91.31% 87.39% 77.77% 55.00% 49.55% 43.24% 44.25% 43.06%

Financials Breakdown Chart

Key Financial Trends

Provident Financial Services (NYSE:PFS) has shown a meaningful recovery in profitability since 2024, although the latest quarter reflects higher credit costs and heavy investment-security purchases. Q2 2026 net income was $78.1 million, or $0.60 per diluted share, compared with a $11.5 million loss in Q2 2024 and $72.0 million in Q2 2025. Net interest income reached $202.7 million, up from $187.1 million a year earlier and $193.7 million in Q1 2026. Total revenue increased 9.6% year over year to $234.7 million, supported by both stronger interest income and higher non-interest income.

The balance sheet has expanded substantially over the period, with total assets reaching $25.7 billion in Q2 2026 versus $24.5 billion a year earlier and $14.1 billion in Q3 2023. Net loans increased 5.0% year over year to $19.9 billion, while interest-bearing deposits rose 4.5% to $19.5 billion. Common equity also improved to $2.9 billion. However, operating cash flow declined sequentially from $186.8 million in Q2 2025 and was only modestly above Q1 2026, while investing activity consumed $450.7 million as the company purchased investment securities.

  • Improving earnings trend: Net income has risen from $32.1 million in Q1 2023 and a $11.5 million loss in Q2 2024 to $78.1 million in Q2 2026. Diluted EPS has similarly recovered from a loss of $0.11 in Q2 2024 to $0.60.
  • Net interest income continues to grow: Q2 2026 net interest income of $202.7 million was 8.3% above Q2 2025 and 2.5% above Q1 2026, indicating improved earning-asset yields and/or funding-cost trends.
  • Loan growth is supporting revenue: Net loans reached $19.9 billion, up from $18.9 billion in Q2 2025 and $10.6 billion in Q3 2023. Loans and leases interest income increased to $288.1 million from $282.1 million a year earlier.
  • Deposits are expanding alongside loans: Interest-bearing deposits increased to $19.5 billion from $18.7 billion in Q2 2025. Deposit growth provides additional funding for the larger loan portfolio.
  • Capital has strengthened: Common equity rose to $2.9 billion in Q2 2026 from $2.7 billion a year earlier and $1.6 billion in Q3 2023. Retained earnings have also increased steadily, supporting balance-sheet growth.
  • Operating cash flow remains positive: PFS generated $118.8 million of operating cash flow in Q2 2026, compared with $84.7 million in Q1 2026 and $76.5 million in Q2 2024.
  • Non-interest income is growing but remains a smaller contributor: Q2 2026 non-interest income was $32.0 million, up from $27.1 million in Q2 2025. The improvement adds diversification, although net interest income remains the primary earnings driver.
  • Balance-sheet scale has changed significantly: Assets, loans, deposits and equity have all roughly doubled from 2023 levels. This creates greater earnings potential but makes comparisons across periods less directly comparable.
  • Credit-loss expense has increased sharply: PFS recorded a $9.3 million provision for credit losses in Q2 2026, compared with a $2.9 million provision release in Q2 2025 and a $2.1 million release in Q1 2026. The allowance for loan losses also rose to $184.7 million from $176.997 million in Q1.
  • Investing activity is consuming substantial cash: The company purchased $747.3 million of investment securities in Q2 2026 while selling or receiving maturities of $306.7 million, resulting in $450.7 million of net investing cash outflow. Net cash increased only $6.2 million despite positive operating and financing cash flow.
09/12/26 06:05 AM ETAI Generated. May Contain Errors.

Provident Financial Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Provident Financial Services' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Provident Financial Services' net income appears to be on an upward trend, with a most recent value of $291.16 million in 2025, rising from $83.72 million in 2015. The previous period was $115.53 million in 2024. View Provident Financial Services' forecast to see where analysts expect Provident Financial Services to go next.

Over the last 10 years, Provident Financial Services' total revenue changed from $305.10 million in 2015 to $870.40 million in 2025, a change of 185.3%.

Provident Financial Services' total liabilities were at $22.15 billion at the end of 2025, a 3.2% increase from 2024, and a 187.0% increase since 2015.

Over the last 10 years, Provident Financial Services' book value per share changed from 18.19 in 2015 to 21.69 in 2025, a change of 19.3%.


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Financial statements for NYSE:PFS last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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