Provident Financial Services, Inc. (PFS)
NYSE: PFS · Real-Time Price · USD
22.94
-0.23 (-0.99%)
Oct 30, 2026, 4:00 PM EDT - Market closed
PFS Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Income | 291.16 | 115.53 | 128.4 | 175.65 | 167.92 |
Depreciation & Amortization | 65.51 | 54.59 | 22.19 | 23.69 | 22.73 |
Gain (Loss) on Sale of Assets | -0.67 | -0.21 | -2.7 | -8.56 | -0.5 |
Gain (Loss) on Sale of Investments | 15.85 | 10.12 | 8.3 | 12.49 | 15.59 |
Provision for Credit Losses | 3.58 | 87.57 | 28.17 | 5 | -24.34 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 122.92 | 143.65 | 3.52 | -1.77 | 49.53 |
Accrued Interest Receivable | -4.64 | -4.95 | -7.06 | -9.91 | 4.46 |
Change in Other Net Operating Assets | -65.57 | 40.53 | -3.92 | 4.25 | -85.52 |
Other Operating Activities | 7.53 | -30.87 | -12.28 | -12.76 | -1.16 |
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% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Capital Expenditures | -11.54 | -1.31 | -7.49 | -9.41 | -13.81 |
Sale of Property, Plant and Equipment | 2.35 | - | 0.11 | 0.02 | 0.04 |
Cash Acquisitions | - | 194.55 | - | - | - |
Investment in Securities | -228.91 | 531.62 | 173.17 | 35.15 | -985.33 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -817.99 | -193.99 | -632.94 | -656.19 | 247.99 |
Other Investing Activities | 3.77 | -23.2 | -2.45 | -17.14 | 34.53 |
Investing Cash Flow | -1,052 | 507.67 | -469.6 | -647.56 | -716.57 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Short-Term Debt Issued | 293.88 | 18.6 | 156.3 | - | - |
Long-Term Debt Issued | 150 | 857.08 | 534.81 | 3,982 | 913.69 |
Total Debt Issued | 443.88 | 875.68 | 691.11 | 3,982 | 913.69 |
Short-Term Debt Repaid | - | - | - | -18.95 | -8.44 |
Long-Term Debt Repaid | -352.36 | -1,390 | -58.44 | -3,253 | -1,469 |
Total Debt Repaid | -352.36 | -1,390 | -58.44 | -3,272 | -1,478 |
Net Debt Issued (Repaid) | 91.52 | -514.35 | 632.66 | 710.6 | -564.2 |
Issuance of Common Stock | - | - | 0.79 | - | 0.89 |
Repurchase of Common Stock | -2.87 | -1.32 | -1.68 | -47.55 | -21.67 |
Common Dividends Paid | -125.91 | -100.96 | -72.45 | -72.02 | -71.48 |
Net Increase (Decrease) in Deposit Accounts | 652.88 | -291.75 | -269.38 | -669.72 | 1,396 |
Financing Cash Flow | 615.62 | -908.37 | 289.95 | -78.7 | 739.86 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Cash Flow | 5.55 | 25.68 | -6.25 | -525.96 | 180.11 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
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% |
Free Cash Flow Margin | 49.69% | 70.01% | 36.78% | 38.15% | 30.19% |
Free Cash Flow Per Share | 3.30 | 3.87 | 2.22 | 2.55 | 1.87 |