Provident Financial Services (PFS) Financials

$21.74 -0.24 (-1.07%)

Closing price 05/13/2026 03:59 PM Eastern

Extended Trading

$21.76 +0.02 (+0.08%)

As of 04:03 AM 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	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

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	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
Net Income / (Loss) Attributable to Common Shareholders	29	27	32	-11	46	49	64	72	72	83	79
Consolidated Net Income / (Loss)	29	27	32	-11	46	49	64	72	72	83	79
Net Income / (Loss) Continuing Operations	29	27	32	-11	46	49	64	72	72	83	79
Total Pre-Tax Income	37	40	43	-21	65	63	92	102	102	112	110
Total Revenue	116	115	114	164	211	206	209	214	222	226	225
Net Interest Income / (Expense)	96	96	94	142	184	182	182	187	194	197	194
Total Interest Income	158	164	164	248	323	312	305	316	326	325	315
Loans and Leases Interest Income	143	149	148	223	292	281	273	282	290	288	279
Investment Securities Interest Income	14	14	15	23	28	29	32	33	35	36	35
Federal Funds Sold and Securities Borrowed Interest Income	0.89	0.76	1.18	1.86	2.43	1.60	0.68	0.79	0.76	0.79	0.69
Total Interest Expense	62	68	70	106	139	130	124	129	132	127	121
Deposits Interest Expense	45	51	53	81	110	106	97	96	102	104	92
Long-Term Debt Interest Expense	17	18	18	25	29	24	26	33	30	23	29
Total Non-Interest Income	19	19	21	22	27	24	27	27	27	28	31
Trust Fees by Commissions	6.99	6.84	7.49	7.77	7.62	7.66	7.33	6.95	7.35	7.63	7.40
Other Service Charges	7.27	7.73	6.71	9.67	11	11	12	13	13	13	13
Net Realized & Unrealized Capital Gains on Investments	0.01	-0.01	-0.00	-2.97	0.00	-0.01	0.09	0.00	0.07	0.69	0.00
Other Non-Interest Income	5.04	4.41	6.61	7.81	7.94	5.55	7.74	7.53	6.51	6.65	11
Provision for Credit Losses	13	-0.12	-0.32	70	9.30	8.37	0.64	-2.89	7.04	-1.21	-2.12
Total Non-Interest Expense	66	75	72	115	136	135	116	115	113	115	117
Salaries and Employee Benefits	36	39	40	55	63	60	62	63	63	64	66
Net Occupancy & Equipment Expense	13	14	15	20	23	22	24	23	22	22	25
Marketing Expense	1.13	1.08	0.97	1.17	1.52	1.49	1.06	1.43	1.64	1.40	0.94
Property & Liability Insurance Claims	1.63	2.89	2.27	3.10	4.18	3.41	3.39	3.34	3.42	2.76	2.84
Other Operating Expenses	11	15	10	11	16	18	16	14	13	15	14
Amortization Expense	0.72	0.72	0.71	6.48	12	9.51	9.50	9.50	9.50	8.58	8.56
Income Tax Expense	8.84	12	11	-9.83	19	14	28	30	30	29	31
Basic Earnings per Share	$0.38	$0.37	$0.43	($0.11)	$0.36	$0.37	$0.49	$0.55	$0.55	$0.64	$0.61
Weighted Average Basic Shares Outstanding	74.91M	74.84M	75.26M	102.96M	129.94M	109.67M	130.33M	130.48M	130.51M	130.46M	130.51M
Diluted Earnings per Share	$0.38	$0.36	$0.43	($0.11)	$0.36	$0.37	$0.49	$0.55	$0.55	$0.64	$0.61
Weighted Average Diluted Shares Outstanding	74.91M	74.87M	75.28M	102.96M	130.00M	109.71M	130.38M	130.50M	130.55M	130.51M	130.59M
Weighted Average Basic & Diluted Shares Outstanding	75.61M	75.60M	75.98M	130.49M	130.49M	130.49M	130.66M	130.62M	130.62M	130.70M	130.31M

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

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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	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
Net Change in Cash & Equivalents	-20	-9.01	-22	132	-46	-38	28	25	43	-90	11
Net Cash From Operating Activities	42	46	41	77	69	239	89	187	98	69	85
Net Cash From Continuing Operating Activities	42	46	41	77	69	239	89	187	98	69	85
Net Income / (Loss) Continuing Operations	29	27	32	-11	46	49	64	72	72	83	79
Consolidated Net Income / (Loss)	29	27	32	-11	46	49	64	72	72	83	79
Provision For Loan Losses	13	-0.86	-0.32	70	9.30	8.88	0.64	-2.89	7.04	-1.21	-2.12
Depreciation Expense	2.88	2.86	2.80	9.55	16	13	13	13	13	12	12
Amortization Expense	10	4.88	4.50	2.69	-2.05	15	7.88	0.70	14	8.17	7.48
Non-Cash Adjustments to Reconcile Net Income	-6.14	4.78	1.43	-5.76	5.36	125	-3.97	147	-14	5.92	3.55
Changes in Operating Assets and Liabilities, net	-6.16	7.35	0.92	12	-6.14	29	6.77	-44	5.90	-39	-16
Net Cash From Investing Activities	-93	-132	55	763	-17	-293	-176	-427	-242	-207	-232
Net Cash From Continuing Investing Activities	-93	-132	55	762	-16	-293	-176	-427	-242	-207	-232
Purchase of Property, Leasehold Improvements and Equipment	-2.94	-1.59	-0.54	-0.98	-1.29	1.50	-1.14	-4.21	-1.33	-4.87	-3.69
Purchase of Investment Securities	-195	-251	-29	-183	-195	-447	-422	-639	-453	-489	-450
Sale of Property, Leasehold Improvements and Equipment	-	0.04	0.00	-	-	-	2.35	-	-	-	2.71
Sale and/or Maturity of Investments	105	120	85	752	179	153	244	216	212	287	218
Net Cash From Financing Activities	32	77	-118	-707	-99	15	116	265	187	48	158
Net Cash From Continuing Financing Activities	32	77	-118	-707	-99	15	116	265	187	48	158
Net Change in Deposits	-123	147	-187	-367	20	242	-166	259	384	176	-170
Issuance of Debt	62	26	88	221	-0.06	636	570	-66	50	-405	50
Repayment of Debt	110	-78	0.00	-542	-88	-830	-255	104	-215	307	321
Repurchase of Common Equity	-	-	-	-	-	-	0.00	-	-	-	-10
Payment of Dividends	-18	-18	-18	-19	-31	-32	-32	-31	-31	-31	-31
Other Financing Activities, Net	-	-0.01	-1.24	-0.05	-0.03	-	-1.85	-1.00	-0.03	-0.01	-0.74
Cash Interest Paid	62	67	66	71	116	144	126	123	121	125	107
Cash Income Taxes Paid	12	7.60	1.32	17	17	0.74	1.03	56	9.33	37	2.51

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

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	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	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
Total Assets	13,604	13,779	14,030	14,087	14,131	24,070	24,043	24,225	24,547	24,833	25,202
Cash and Due from Banks	185	234	209	189	158	291	244	234	259	302	222
Trading Account Securities	2,223	2,204	2,130	2,028	2,022	2,997	3,077	3,212	3,348	3,453	3,260
Loans and Leases, Net of Allowance	9,958	10,131	10,428	10,560	10,736	18,571	18,603	18,600	18,917	19,099	19,471
Loans and Leases	10,047	10,224	10,531	10,668	10,843	18,759	18,795	18,791	19,105	19,286	19,648
Allowance for Loan and Lease Losses	89	93	102	108	106	188	191	192	188	187	177
Loans Held for Sale	-	-	-	-	-	4.45	5.76	150	6.92	14	7.52
Premises and Equipment, Net	81	72	71	71	69	127	125	115	116	113	110
Intangible Assets	462	460	459	459	457	852	839	810	800	791	774
Other Assets	695	663	732	779	687	1,229	1,148	1,104	1,101	1,061	1,357
Total Liabilities & Shareholders' Equity	13,604	13,779	14,030	14,087	14,131	24,070	24,043	24,225	24,547	24,833	25,202
Total Liabilities	12,053	1,565	12,387	12,464	12,436	21,515	21,421	21,566	21,840	22,066	22,339
Interest Bearing Deposits	10,686	1,351	10,261	10,141	10,099	18,353	18,376	18,449	18,709	19,096	19,100
Long-Term Debt	10	11	11	11	11	413	414	403	404	405	2,891
Other Long-Term Liabilities	293	203	266	290	268	447	417	378	352	355	348
Total Equity & Noncontrolling Interests	1,551	1,640	1,642	1,623	1,695	2,556	2,621	2,659	2,708	2,767	2,863
Total Preferred & Common Equity	1,551	1,640	1,642	1,623	1,695	2,556	2,621	2,659	2,708	2,767	2,863
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	1,551	1,637	1,642	1,623	1,695	2,556	2,621	2,659	2,708	2,767	2,863
Common Stock	976	982	984	986	989	1,868	1,870	1,838	1,841	1,843	1,849
Retained Earnings	886	941	954	965	988	958	973	1,021	1,062	1,102	1,202
Treasury Stock	-127	-128	-128	-128	-129	-129	-129	-90	-91	-91	-102
Accumulated Other Comprehensive Income / (Loss)	-174	-148	-162	-195	-152	-140	-93	-110	-104	-87	-86

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%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	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
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	130,622,384.00	130,696,286.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	130,622,384.00	130,696,286.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.64	0.61
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-16.22%	-13.28%	-12.26%	38.22%	82.21%	79.43%	82.36%	30.77%	5.32%	9.62%	7.87%
EBITDA Growth	-26.95%	-36.96%	-19.61%	-119.67%	57.26%	92.35%	124.57%	1,380.44%	45.66%	61.73%	14.69%
EBIT Growth	-37.76%	-40.89%	-21.86%	-148.86%	74.53%	57.69%	113.76%	580.55%	55.72%	79.00%	19.94%
NOPAT Growth	-34.26%	-44.30%	-20.86%	-146.63%	62.56%	77.66%	99.58%	582.36%	54.55%	71.94%	24.03%
Net Income Growth	-34.26%	-44.30%	-20.86%	-135.89%	62.56%	77.66%	99.58%	726.74%	54.55%	71.94%	24.03%
EPS Growth	-34.48%	-45.45%	-20.37%	-125.58%	-5.26%	2.78%	13.95%	600.00%	52.78%	72.97%	24.49%
Operating Cash Flow Growth	-26.01%	9.14%	-28.69%	179.90%	65.98%	416.63%	113.76%	144.13%	41.70%	-71.19%	-4.36%
Free Cash Flow Firm Growth	-286.15%	-107.55%	183.65%	-104.28%	-54.40%	-86.61%	-118.48%	91.93%	96.11%	81.20%	82.39%
Invested Capital Growth	39.27%	24.64%	-69.21%	50.47%	43.60%	36.82%	43.41%	4.10%	2.51%	6.54%	6.59%
Revenue Q/Q Growth	-2.48%	-0.69%	-0.24%	43.07%	28.56%	-2.21%	1.38%	2.59%	3.54%	1.79%	-0.23%
EBITDA Q/Q Growth	8.91%	-5.53%	-9.25%	-118.07%	970.79%	15.54%	23.55%	3.01%	11.01%	2.53%	-2.18%
EBIT Q/Q Growth	-14.31%	6.35%	8.06%	-149.61%	406.10%	-3.90%	46.48%	11.53%	-0.81%	10.46%	-1.85%
NOPAT Q/Q Growth	-10.80%	-4.33%	17.46%	-146.51%	410.97%	4.56%	31.95%	12.42%	-0.36%	16.33%	-4.81%
Net Income Q/Q Growth	-10.80%	-4.33%	17.46%	-135.80%	504.05%	4.56%	31.95%	12.42%	-0.36%	16.33%	-4.81%
EPS Q/Q Growth	-11.63%	-5.26%	19.44%	-125.58%	427.27%	2.78%	32.43%	12.24%	0.00%	16.36%	-4.69%
Operating Cash Flow Q/Q Growth	52.50%	11.12%	-10.60%	84.75%	-9.57%	245.88%	-63.01%	111.00%	-47.51%	-29.67%	22.78%
Free Cash Flow Firm Q/Q Growth	-14.86%	30.31%	1,315.96%	-120.99%	13.19%	15.77%	-20.44%	90.84%	58.15%	-307.02%	-12.79%
Invested Capital Q/Q Growth	4.37%	0.42%	2.52%	40.02%	-0.39%	-4.31%	7.46%	1.64%	-1.91%	-0.56%	7.51%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	43.52%	41.40%	43.91%	-5.55%	37.56%	44.38%	54.08%	54.30%	58.22%	58.64%	57.49%
EBIT Margin	32.36%	34.65%	37.54%	-13.02%	30.99%	30.45%	44.00%	47.83%	45.82%	49.73%	48.92%
Profit (Net Income) Margin	24.70%	23.80%	28.02%	-7.01%	22.04%	23.56%	30.67%	33.61%	32.34%	36.96%	35.27%
Tax Burden Percent	76.35%	68.68%	74.66%	53.87%	71.11%	77.38%	69.71%	70.26%	70.58%	74.33%	72.09%
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	23.65%	31.32%	25.34%	0.00%	28.89%	22.62%	30.29%	29.74%	29.42%	25.67%	27.91%
Return on Invested Capital (ROIC)	3.91%	3.45%	1.62%	-1.06%	2.99%	3.77%	5.28%	5.25%	5.18%	6.20%	5.61%
ROIC Less NNEP Spread (ROIC-NNEP)	3.91%	3.45%	1.62%	-0.91%	2.99%	3.77%	5.28%	5.25%	5.18%	6.20%	5.61%
Return on Net Nonoperating Assets (RNNOA)	3.83%	3.49%	6.16%	-0.99%	3.28%	3.86%	5.83%	5.48%	5.04%	5.64%	5.72%
Return on Equity (ROE)	7.73%	6.94%	7.79%	-2.04%	6.27%	7.63%	11.12%	10.72%	10.21%	11.84%	11.33%
Cash Return on Invested Capital (CROIC)	-28.04%	-18.06%	107.33%	-38.55%	-33.68%	-28.44%	-32.45%	0.28%	2.34%	-0.72%	-0.88%
Operating Return on Assets (OROA)	1.16%	1.19%	1.25%	-0.35%	0.98%	1.11%	1.81%	1.65%	1.60%	1.77%	1.76%
Return on Assets (ROA)	0.89%	0.81%	0.93%	-0.19%	0.70%	0.86%	1.26%	1.16%	1.13%	1.31%	1.27%
Return on Common Equity (ROCE)	7.73%	6.94%	7.78%	-2.04%	6.27%	7.63%	11.12%	10.72%	10.21%	11.84%	11.33%
Return on Equity Simple (ROE_SIMPLE)	9.25%	0.00%	7.08%	2.99%	3.60%	0.00%	5.55%	8.53%	9.26%	0.00%	10.71%
Net Operating Profit after Tax (NOPAT)	29	27	32	-15	46	49	64	72	72	83	79
NOPAT Margin	24.70%	23.80%	28.02%	-9.11%	22.04%	23.56%	30.67%	33.61%	32.34%	36.96%	35.27%
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	43.49%	47.15%	49.20%	46.18%	41.92%	40.73%	41.65%	40.76%	39.11%	38.94%	40.75%
Operating Expenses to Revenue	56.79%	65.46%	62.30%	70.46%	64.59%	65.48%	55.69%	53.52%	51.00%	50.81%	52.02%
Earnings before Interest and Taxes (EBIT)	37	40	43	-21	65	63	92	102	102	112	110
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	50	48	50	-9.08	79	91	113	116	129	132	129
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.67	0.75	0.63	0.42	0.92	0.93	0.84	0.85	0.91	0.90	0.97
Price to Tangible Book Value (P/TBV)	0.93	1.03	0.86	0.63	1.36	1.36	1.21	1.20	1.27	1.24	1.32
Price to Revenue (P/Rev)	2.19	2.65	2.31	2.12	4.01	3.50	2.84	2.73	2.96	2.93	3.12
Price to Earnings (P/E)	7.24	9.91	8.92	14.07	25.68	21.04	15.19	9.92	9.83	8.77	9.02
Dividend Yield	6.68%	5.71%	6.78%	8.47%	5.17%	5.15%	5.59%	5.48%	4.98%	4.91%	4.54%
Earnings Yield	13.81%	10.09%	11.21%	7.11%	3.89%	4.75%	6.58%	10.08%	10.18%	11.41%	11.08%
Enterprise Value to Invested Capital (EV/IC)	0.80	0.84	0.79	0.66	0.92	0.93	0.88	0.88	0.90	0.91	0.94
Enterprise Value to Revenue (EV/Rev)	5.90	6.41	6.43	6.88	7.96	6.69	6.01	5.73	5.68	5.58	6.13
Enterprise Value to EBITDA (EV/EBITDA)	12.51	14.88	15.34	25.18	28.65	21.96	17.30	12.04	10.98	9.91	10.71
Enterprise Value to EBIT (EV/EBIT)	14.42	17.48	18.20	35.42	37.94	31.06	23.91	14.93	13.47	11.91	12.74
Enterprise Value to NOPAT (EV/NOPAT)	19.52	23.93	24.85	45.78	50.96	40.23	32.18	20.83	18.85	16.69	17.73
Enterprise Value to Operating Cash Flow (EV/OCF)	17.29	17.72	19.01	17.00	20.59	10.90	10.02	8.24	7.89	10.99	12.40
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.35	0.00	0.00	0.00	0.00	318.69	38.86	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.25	1.17	1.22	1.06	1.00	0.93	1.03	1.03	0.94	0.89	1.01
Long-Term Debt to Equity	0.01	0.01	0.01	0.16	0.16	0.15	0.15	0.15	0.15	0.14	1.01
Financial Leverage	0.98	1.01	3.79	1.09	1.10	1.03	1.10	1.04	0.97	0.91	1.02
Leverage Ratio	8.72	8.51	8.37	9.08	8.98	8.92	8.81	9.24	9.07	9.02	8.95
Compound Leverage Factor	8.72	8.51	8.37	9.08	8.98	8.92	8.81	9.24	9.07	9.02	8.95
Debt to Total Capital	55.61%	53.95%	54.96%	51.51%	50.07%	48.22%	50.74%	50.65%	48.58%	47.06%	50.24%
Short-Term Debt to Total Capital	55.32%	53.66%	54.68%	43.68%	42.18%	40.22%	43.28%	43.28%	41.05%	39.46%	0.00%
Long-Term Debt to Total Capital	0.29%	0.29%	0.29%	7.83%	7.89%	8.00%	7.46%	7.37%	7.53%	7.60%	50.24%
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	44.39%	46.05%	45.04%	48.49%	49.93%	51.78%	49.26%	49.35%	51.42%	52.94%	49.76%
Debt to EBITDA	8.67	9.59	10.65	19.53	15.67	11.44	9.99	6.95	5.94	5.13	5.70
Net Debt to EBITDA	7.87	8.72	9.84	17.44	14.21	10.47	9.13	6.31	5.26	4.70	5.26
Long-Term Debt to EBITDA	0.05	0.05	0.06	2.97	2.47	1.90	1.47	1.01	0.92	0.83	5.70
Debt to NOPAT	13.54	15.43	17.25	35.51	27.87	20.97	18.57	12.03	10.20	8.65	9.43
Net Debt to NOPAT	12.28	14.02	15.93	31.71	25.28	19.18	16.99	10.91	9.03	7.92	8.71
Long-Term Debt to NOPAT	0.07	0.08	0.09	5.40	4.39	3.48	2.73	1.75	1.58	1.40	9.43
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.10%	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)	-1,002	-698	8,493	-1,783	-1,547	-1,303	-1,570	-144	-60	-245	-276
Operating Cash Flow to CapEx	1,419.65%	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%
Free Cash Flow to Firm to Interest Expense	-16.18	-10.21	121.00	-16.77	-11.15	-10.01	-12.70	-1.11	-0.46	-1.92	-2.28
Operating Cash Flow to Interest Expense	0.67	0.68	0.59	0.72	0.50	1.84	0.72	1.45	0.74	0.54	0.70
Operating Cash Flow Less CapEx to Interest Expense	0.63	0.65	0.58	0.71	0.49	1.85	0.73	1.41	0.73	0.50	0.69
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.03	0.03	0.03	0.03	0.04	0.04	0.03	0.03	0.04	0.04
Fixed Asset Turnover	6.53	6.36	6.53	5.14	6.15	7.29	8.53	6.91	7.15	7.47	7.86
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,656	3,671	3,764	5,270	5,250	5,023	5,398	5,486	5,382	5,352	5,754
Invested Capital Turnover	0.16	0.14	0.06	0.12	0.14	0.16	0.17	0.16	0.16	0.17	0.16
Increase / (Decrease) in Invested Capital	1,031	726	-8,461	1,768	1,594	1,352	1,634	216	132	328	356
Enterprise Value (EV)	2,931	3,073	2,980	3,500	4,806	4,647	4,745	4,810	4,831	4,860	5,434
Market Capitalization	1,087	1,272	1,070	1,076	2,422	2,431	2,241	2,290	2,518	2,553	2,766
Book Value per Share	$21.46	$22.36	$22.52	$33.63	$20.09	$19.93	$20.38	$20.72	$21.18	$21.69	$21.90
Tangible Book Value per Share	$15.40	$16.30	$16.45	$22.43	$13.66	$13.66	$14.17	$14.60	$15.13	$15.70	$15.99
Total Capital	3,656	3,671	3,764	5,270	5,250	5,023	5,398	5,486	5,382	5,352	5,754
Total Debt	2,033	1,981	2,069	2,715	2,629	2,422	2,739	2,779	2,615	2,519	2,891
Total Long-Term Debt	11	11	11	413	414	402	403	404	405	407	2,891
Net Debt	1,844	1,800	1,910	2,424	2,385	2,216	2,505	2,520	2,313	2,307	2,669
Capital Expenditures (CapEx)	2.94	1.55	0.54	0.98	1.29	-1.50	-1.21	4.21	1.33	4.87	0.99
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)	2,033	1,981	2,069	2,715	2,629	2,422	2,739	2,779	2,615	2,519	2,891
Total Depreciation and Amortization (D&A)	13	7.74	7.30	12	14	29	21	14	27	20	19
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.38	$0.37	$0.43	($0.11)	$0.36	$0.37	$0.49	$0.55	$0.55	$0.64	$0.61
Adjusted Weighted Average Basic Shares Outstanding	74.91M	74.84M	75.26M	102.96M	129.94M	109.67M	130.33M	130.48M	130.51M	130.46M	130.51M
Adjusted Diluted Earnings per Share	$0.38	$0.36	$0.43	($0.11)	$0.36	$0.37	$0.49	$0.55	$0.55	$0.64	$0.61
Adjusted Weighted Average Diluted Shares Outstanding	74.91M	74.87M	75.28M	102.96M	130.00M	109.71M	130.38M	130.50M	130.55M	130.51M	130.59M
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	75.61M	75.60M	75.98M	130.49M	130.49M	130.49M	130.66M	130.62M	130.62M	130.70M	130.31M
Normalized Net Operating Profit after Tax (NOPAT)	30	29	34	-1.68	57	64	64	72	72	83	79
Normalized NOPAT Margin	26.22%	25.28%	29.46%	-1.03%	27.30%	31.15%	30.67%	33.61%	32.34%	36.96%	35.27%
Pre Tax Income Margin	32.36%	34.65%	37.54%	-13.02%	30.99%	30.45%	44.00%	47.83%	45.82%	49.73%	48.92%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.60	0.58	0.61	-0.20	0.47	0.48	0.74	0.79	0.77	0.88	0.91
NOPAT to Interest Expense	0.46	0.40	0.46	-0.14	0.33	0.37	0.52	0.56	0.54	0.65	0.65
EBIT Less CapEx to Interest Expense	0.56	0.56	0.60	-0.21	0.46	0.49	0.75	0.76	0.76	0.84	0.90
NOPAT Less CapEx to Interest Expense	0.41	0.38	0.45	-0.15	0.33	0.38	0.53	0.52	0.53	0.62	0.65
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	48.02%	56.42%	60.03%	95.32%	91.31%	87.39%	77.77%	55.00%	49.55%	43.24%	40.91%
Augmented Payout Ratio	48.02%	56.42%	60.03%	95.32%	91.31%	87.39%	77.77%	55.00%	49.55%	43.24%	44.25%

Financials Breakdown Chart

Key Financial Trends

Provident Financial Services (NYSE: PFS) has several data points across 2023–2025 that suggest improving profitability in 2025, a steady net interest income (NII) trend, and continued, albeit cautious, balance-sheet stability. Here are the most relevant trends a retail investor should note, based on quarterly statements over the last four years.

Net interest income up meaningfully in 2025. Net Interest Income rose from about 181.7 million in Q1 2025 to 197.4 million in Q4 2025, illustrating the company’s ability to generate more income from its loan and earning asset mix as rates changed.
Total revenue trend improving through 2025. Total Revenue progressed from roughly 208.8 million in Q1 2025 to about 225.7 million in Q4 2025, driven largely by higher net interest income and stable non-interest income.
Net income attributable to common shareholders improved in Q4 2025. Quarterly net income rose to about 83.4 million in Q4 2025, versus around 64.0 million in Q1 2025 and 71.7 million in the middle of the year, signaling stronger quarterly profitability in the latest period.
Deposits show quarterly growth in 2025, supporting funding stability. Net changes in deposits were positive in multiple 2025 quarters (example: +176.4 million in Q4, +383.7 million in Q3, +258.7 million in Q2), indicating ongoing access to inexpensive funding.
Provision for credit losses turns negative in Q4 2025. Provision for Credit Losses was -1.21 million in Q4 2025, hinting at reserve releases or improving credit quality, though a single-quarter signal should be watched in context of broader quarterly trends.
Balance sheet capitalization remains solid. Total equity (and related measures) stayed in the low-to-mid billions with a healthy capital base, suggesting a cushion for asset quality concerns and future growth.
Non-interest income remains steady. Total Non-Interest Income hovered in the mid-20s to upper 20s millions across 2025, providing diversification to earnings without large swings tied to capital markets.
Operating leverage and efficiency appear broadly stable. Total Non-Interest Expense in 2025 quarters has been fairly flat-to-slightly variable (roughly in the 113–117 million range), indicating ongoing expense discipline without dramatic swings.
Cash flow near-term variability remains a consideration. Net change in cash and equivalents fluctuated quarter-to-quarter (for example, a notable negative change in some periods), which can reflect timing of debt activity, investing, and financing activities rather than underlying earnings alone.
Net working capital and loan portfolio risk factors. The loan portfolio (Loans and Leases, Net of Allowance) remains sizable (roughly 19.1 billion in mid-2025), which, against a backdrop of macroeconomic pressures, means any adverse credit cycle could impact future loan losses if conditions worsen; reserve levels should be monitored alongside asset quality metrics not fully shown here.

05/14/26 06:27 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%.

Related Companies

Financial statements for NYSE:PFS last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Provident Financial Services (PFS) Financials

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Provident Financial Services (PFS) Financials

Annual Income Statements for Provident Financial Services

Quarterly Income Statements for Provident Financial Services

Annual Cash Flow Statements for Provident Financial Services

Quarterly Cash Flow Statements for Provident Financial Services

Annual Balance Sheets for Provident Financial Services

Quarterly Balance Sheets for Provident Financial Services

Annual Metrics And Ratios for Provident Financial Services

Quarterly Metrics And Ratios for Provident Financial Services

Financials Breakdown Chart

Key Financial Trends

Provident Financial Services Financials - Frequently Asked Questions

When does Provident Financial Services' fiscal year end?

How has Provident Financial Services' net income changed over the last 10 years?

How has Provident Financial Services' revenue changed over the last 10 years?

How much debt does Provident Financial Services have?

How has Provident Financial Services' book value per share changed over the last 10 years?

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