Provident Financial Services Inc
PFS NYSE· Savings Institution, Federally Chartered
Last close · Oct 27, 2026
$23.23
KIRA · Stoqly’s AI analyst, in plain words
- Provident Financial Services Inc had $73.1M of revenue in fiscal 2025, up 7.1% on the year before. Over five years, revenue changed +9.9% a year on average.
- Provident Financial Services Inc made $291M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.5% a year.
- Provident Financial Services Inc returned $126M to shareholders in fiscal 2025, 29% of free cash flow. The diluted share count rose 19.0%.
- It earned 10.7% on shareholders’ money. Running costs took 627.4% of revenue (the efficiency ratio; lower is better).
Market cap
$3.0B
P/E
9.7x
Revenue
$73.1M
Net income
$291M
Return on equity
10.7%
Efficiency ratio
627.4%
Provident Financial Services Inc in 30 seconds · fiscal 2025
Are sales growing?
+7.1%
Yes. Sales grew 7.1% last year.
Does it make a profit?
398.3%
Yes. It keeps 398.3% of every sale as profit.
How lean are its costs?
627.4%
Costly. Running costs take 627.4% of revenue.
How much does it earn on its capital?
10.7%
Fair. It earns 10.7% a year on shareholders’ money.
How is the share priced?
9.7x
One share costs 9.7 times its yearly profit per share.
What Provident Financial Services Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- PROVIDENT FINANCIAL SERVICES INC
- CIK
- 0001178970
Provident Financial Services Inc · PFS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $57.6M | $55.0M | $57.5M | $68.3M | $73.1M |
| Revenue growth | 26.4% | −4.5% | 4.6% | 18.7% | 7.1% |
| Net interest income | $366M | $418M | $399M | $601M | $761M |
| Net income | $168M | $176M | $128M | $116M | $291M |
| Net margin | 291.7% | 319.4% | 223.2% | 169.2% | 398.3% |
| Diluted EPS | $2.19 | $2.35 | $1.71 | $1.05 | $2.23 |
| Cash | |||||
| Cash from operations | $157M | $200M | $173M | $426M | $442M |
| Capital expenditure | $13.8M | $9.4M | $7.5M | $1.3M | $11.5M |
| Free cash flow | $143M | $191M | $166M | $425M | $431M |
| FCF margin | 248.5% | 347.2% | 288.4% | 622.5% | 589.2% |
| Dividends paid | $71.5M | $72.0M | $72.4M | $101M | $126M |
| Share buybacks | $20.7M | $46.5M | $0.0M | $0.0M | $0.0M |
| Share count change | 10.0% | −2.3% | 0.1% | 46.5% | 19.0% |
| Debt and strength | |||||
| Cash and short-term investments | $685M | $186M | $180M | $206M | $209M |
| Loans, net | $9.5B | $10.2B | $10.8B | $18.6B | $19.3B |
| Deposits | $11.2B | $10.6B | $10.3B | $18.6B | $19.3B |
| Shareholders' equity | $1.7B | $1.6B | $1.7B | $2.6B | $2.8B |
| Returns and quality | |||||
| Return on equity | 10.1% | 10.7% | 7.8% | 5.4% | 10.7% |
| Return on tangible equity | 13.4% | 15.2% | 10.3% | 5.8% | 13.2% |
| Efficiency ratio | 434.4% | 473.3% | 478.6% | 670.0% | 627.4% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$2.3M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Provident Financial Services Inc · PFS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $23.23 a share, the company is worth $3.0B: 9.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001178970). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.