Provident Financial Services, Inc. (PFS)

NYSE: PFS · Real-Time Price · USD

23.10

-0.02 (-0.09%)

Oct 23, 2026, 1:04 PM EDT - Market open

PFS Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	894.28	866.82	607.16	451.12	500.34	473.77
Revenue Growth	8.60%	42.77%	34.59%	-9.84%	5.61%	33.35%
Net Income	312.72	291.16	115.53	128.4	175.65	167.92
Earnings Per Share	2.40	2.23	1.05	1.71	2.35	2.19
EPS Growth	35.65%	112.38%	-38.60%	-27.23%	7.31%	57.55%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	344.01	314.34	385.2	285.35	337.63	751.66
Total Debt	2,991	2,688	2,662	2,132	1,534	749.77
Net Cash (Debt)	-2,647	-2,373	-2,277	-1,846	-1,196	1.9
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-20.28	-18.19	-20.75	-24.66	-15.99	0.02

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	370.48	442.26	426.38	173.4	200.31	156.81
Capital Expenditures	-20.12	-11.54	-1.31	-7.49	-9.41	-13.81
Free Cash Flow	350.36	430.73	425.07	165.91	190.9	143.01
Free Cash Flow Growth	-39.45%	1.33%	156.21%	-13.09%	33.49%	58.06%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	34.97%	33.59%	19.03%	28.46%	35.11%	35.44%
FCF Margin	39.18%	49.69%	70.01%	36.78%	38.15%	30.19%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 23, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.960	0.960	0.960	0.960	0.960	0.930
Dividend Per Share Growth	0%	0%	0%	0%	3.23%	1.09%
Dividend Yield	4.16%	4.86%	5.09%	5.34%	4.51%	3.78%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 23, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.64	8.86	21.31	10.53	9.05	11.14
Forward PE	9.28	8.60	9.13	10.58	8.52	13.31
P/FCF Ratio	8.57	5.99	5.79	8.15	8.32	13.08
PS Ratio	3.36	2.98	4.06	3.00	3.18	3.95