Provident Financial Services, Inc. (PFS)

PFS Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	291.16	115.53	128.4	175.65	167.92
Depreciation & Amortization	51.32	41.5	11.7	13.08	12.66
Provision for Credit Losses	3.58	87.57	28.17	5	-22.82
Stock-Based Compensation	10.45	12.2	10.8	13.75	9.97
Net Change in Loans Held-for-Sale	122.92	143.65	3.52	-1.77	1.86
Other Adjustments	33.04	-9.63	1.8	0.27	20.63
Changes in Accrued Interest and Accounts Receivable	-4.64	-4.95	-7.06	-9.91	4.46
Changes in Other Operating Activities	-65.57	40.53	-3.92	4.25	-37.85
Operating Cash Flow	442.26	426.38	173.4	200.31	156.81
Operating Cash Flow Growth	3.72%	145.90%	-13.44%	27.74%	51.80%
Net Change in Loans Held-for-Investment	-817.99	-193.99	-632.94	-656.19	247.99
Net Change in Securities and Investments	-231.83	498.72	162.51	0.89	-960.13
Proceeds from Business Divestments	-	194.55	-	-	-
Capital Expenditures	-11.54	-1.31	-7.49	-9.41	-13.81
Sale of Property, Plant & Equipment	2.35	-	0.11	0.02	0.04
Other Investing Activities	6.69	9.7	8.21	17.13	9.33
Investing Cash Flow	-1,052	507.67	-469.6	-647.56	-716.57
Net Change in Deposits	654.87	-291.63	-270.51	-670.99	1,396
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	293.88	18.6	156.3	-18.95	-8.44
Long-Term Debt Issued	150	857.08	534.81	3,982	913.69
Long-Term Debt Repaid	-352.36	-1,390	-58.44	-3,253	-1,469
Net Long-Term Debt Issued (Repaid)	-202.36	-532.95	476.36	729.54	-555.76
Issuance of Common Stock	-	-	0.79	-	0.89
Repurchase of Common Stock	-2.87	-1.32	-1.68	-47.55	-21.67
Net Common Stock Issued (Repurchased)	-2.87	-1.32	-0.89	-47.55	-20.79
Common Dividends Paid	-125.91	-100.96	-72.45	-72.02	-71.48
Other Financing Activities	-1.99	-0.12	1.13	1.27	0.14
Financing Cash Flow	615.62	-908.37	289.95	-78.7	739.86
Net Cash Flow	5.55	25.68	-6.25	-525.96	180.11
Free Cash Flow	430.73	425.07	165.91	190.9	143.01
Free Cash Flow Growth	1.33%	156.21%	-13.09%	33.49%	58.06%
FCF Margin	49.69%	70.01%	36.78%	38.15%	30.07%
Free Cash Flow Per Share	3.30	3.87	2.22	2.55	1.87
Levered Free Cash Flow	58.37	-341.66	597.98	903.2	-422.37
Unlevered Free Cash Flow	-30.43	75.77	-6.78	-2	-34.54

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q