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Provident financial services, inc.PFS.US Overview

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PFS Recent Performance

1.02%

Provident financial services, inc.

1.79%

Avg of Sector

-0.31%

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PFS Key Information

PFS Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

PFS Profile

Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. The company's deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. Its loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. The company also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, it provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, the company sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. As of December 31, 2021, it operated 96 full-service branch offices in northern and central New Jersey, as well as in Pennsylvania and New York counties. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

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PFS FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

PFS Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.23
PE Ratio (TTM)
9.44
Forward PE
9.38
PS Ratio (TTM)
3.17
PB Ratio
1.02
Price-to-FCF
7.61
METRIC
VALUE
vs. INDUSTRY
Gross Margin
87.29%
Net Margin
29.32%
Revenue Growth (YoY)
63.69%
Profit Growth (YoY)
42.88%
3-Year Revenue Growth
39.91%
3-Year Profit Growth
20.74%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.23
PE Ratio (TTM)
9.44
Forward PE
9.38
PS Ratio (TTM)
3.17
PB Ratio
1.02
Price-to-FCF
7.61
Gross Margin
87.29%
Net Margin
29.32%
Revenue Growth (YoY)
63.69%
Profit Growth (YoY)
42.88%
3-Year Revenue Growth
39.91%
3-Year Profit Growth
20.74%

  • When is PFS's latest earnings report released?

    The most recent financial report for Provident financial services, inc. (PFS) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating PFS's short-term business performance and financial health. For the latest updates on PFS's earnings releases, visit this page regularly.

  • Where does PFS fall in the P/E River chart?

    According to historical valuation range analysis, Provident financial services, inc. (PFS)'s current price-to-earnings (P/E) ratio is 7.72, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of PFS?

    According to the latest financial report, Provident financial services, inc. (PFS) reported an Operating Profit of 112.25M with an Operating Margin of 31.78% this period, representing a growth of 78.99% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is PFS's revenue growth?

    In the latest financial report, Provident financial services, inc. (PFS) announced revenue of 353.15M, with a Year-Over-Year growth rate of 79.23%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does PFS have?

    At the end of the period, Provident financial services, inc. (PFS) held Total Cash and Cash Equivalents of 211.48M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does PFS go with three margins increasing?

    In the latest report, Provident financial services, inc. (PFS) achieved the “three margins increasing” benchmark, with a gross margin of 64.26%%, operating margin of 31.78%%, and net margin of 23.62%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess PFS's profit trajectory and future growth potential.

  • Is PFS's EPS continuing to grow?

    According to the past four quarterly reports, Provident financial services, inc. (PFS)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.64. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of PFS?

    Provident financial services, inc. (PFS)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of PFS?

    The latest valuation data shows Provident financial services, inc. (PFS) has a Price-To-Earnings (PE) ratio of 7.72 and a Price/Earnings-To-Growth (PEG) ratio of 0.47. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.