Provident Financial Services Inc (PFS) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Provident Financial Services reported revenue of $870.4M, up 25.3% from $694.7M the year before. Net income was $291.2M (a 33.5% net margin), or $2.23 per diluted share. Net interest income was $760.6M, and the efficiency ratio (noninterest expense / revenue) was 52.7%. Operating activities generated $442.3M of cash, leaving $430.7M of free cash flow. At fiscal year end, Provident Financial Services held $24.98B in total assets against $22.15B in total liabilities, including $209.1M of cash and equivalents.
Open the full interactive Provident Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
Provident Financial Services Key Stats
| Share Price | $22.04 |
|---|---|
| Market Cap | $2.87B |
| P/E Ratio | 9.9 |
| Dividend Yield | 4.33% |
| Revenue YoY Growth | +25.3% |
| 52-Week Range | $17.11 – $25.04 |
| Shares Outstanding | 130.3 million (basic, 2026 Q2) |
Provident Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $312.6M | $366.0M | $417.6M | $399.5M | $600.6M | $760.6M |
| Provision for Credit Losses | $29.7M | -$24.3M | $8.4M | $27.9M | $87.6M | $4.1M |
| Noninterest Income | $72.4M | $86.8M | $87.8M | $79.8M | $94.1M | $109.8M |
| Noninterest Expense | $227.7M | $250.1M | $256.8M | $275.6M | $457.5M | $458.7M |
| Revenue | $385.0M | $452.8M | $505.3M | $479.3M | $694.7M | $870.4M |
| Pre-Tax Income | $127.6M | $227.1M | $240.1M | $175.8M | $149.6M | $408.2M |
| Income Tax | $30.6M | $59.2M | $64.5M | $47.4M | $34.1M | $117.0M |
| Net Income | $97.0M | $167.9M | $175.6M | $128.4M | $115.5M | $291.2M |
| Diluted EPS | $1.39 | $2.19 | $2.35 | $1.71 | $1.05 | $2.23 |
Provident Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $221.8M | $225.7M | $225.2M | $234.7M |
| Net Income | $71.7M | $83.4M | $79.4M | $78.1M |
| Diluted EPS | $0.55 | $0.64 | $0.61 | $0.60 |
Provident Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | — | $685.2M | $186.4M | $180.2M | $205.9M | $209.1M |
| Loans (Net) | $9.72B | $9.50B | $10.16B | $10.77B | $18.63B | $19.33B |
| Total Assets | $12.92B | $13.78B | $13.78B | $14.21B | $24.05B | $24.98B |
| Deposits | $9.84B | $11.23B | $10.56B | $10.29B | $18.62B | $19.28B |
| Total Long-Term Debt | $2.25B | $1.15B | $2.10B | $3.82B | $4.45B | $4.81B |
| Total Liabilities | $11.30B | $12.08B | $12.19B | $12.52B | $21.45B | $22.15B |
| Shareholders' Equity | $1.62B | $1.70B | $1.60B | $1.69B | $2.60B | $2.83B |
Provident Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $106.9M | $158.2M | $200.3M | $173.4M | $426.4M | $442.3M |
| Cash From Investing | -$508.0M | -$717.9M | -$647.6M | -$469.6M | $507.7M | -$1.05B |
| Cash From Financing | $746.7M | $739.9M | -$78.7M | $290.0M | -$908.4M | $615.6M |
| Free Cash Flow | $94.1M | $144.4M | $190.9M | $165.9M | $425.1M | $430.7M |
| Dividends Paid | $65.8M | $71.5M | $72.0M | $72.4M | $101.0M | $125.9M |
Figures from Provident Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Provident Financial Services financials page for every line item.
Provident Financial Services Company Profile
| Ticker | PFS |
|---|---|
| Exchange | NYSE |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Jersey City, New Jersey |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001178970 |
Frequently Asked Questions
What was Provident Financial Services' revenue in fiscal 2025?
Provident Financial Services (PFS) reported revenue of $870.4M for fiscal 2025.
What is Provident Financial Services' annual revenue history?
Provident Financial Services' annual revenue by fiscal year: 2020: $385.0M; 2021: $452.8M; 2022: $505.3M; 2023: $479.3M; 2024: $694.7M; 2025: $870.4M.
What was Provident Financial Services' net income in fiscal 2025?
Provident Financial Services reported net income of $291.2M for fiscal 2025.
What was Provident Financial Services' earnings per share (EPS) in fiscal 2025?
Provident Financial Services' diluted EPS was $2.23 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Provident Financial Services generate in fiscal 2025?
Provident Financial Services generated $430.7M of free cash flow in fiscal 2025.
What was Provident Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Provident Financial Services reported revenue of $234.7M.
How much debt does Provident Financial Services have?
Provident Financial Services reported $4.81B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Provident Financial Services are outstanding?
Provident Financial Services reported a weighted average of 130.3 million basic shares outstanding in 2026 Q2.
What is Provident Financial Services' market cap?
Based on its latest closing price, Provident Financial Services (PFS) has a market capitalization of about $2.87B.
When does Provident Financial Services' fiscal year end?
Provident Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is Provident Financial Services headquartered?
Provident Financial Services lists its business address in Jersey City, New Jersey in its SEC filings.
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