Provident Financial Services, Inc.

Provident Financial Services, Inc.

PFSยทNYSE

$21.54

-1.4%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$2.81B
EPS2.2300
P/E Ratio9.66
Earnings Date07/23/2026
3Y+121.0%
5Y+328.0%
10Y+247.0%
3Y+63.0%
5Y+109.0%
10Y+81.0%
3Y-882.0%
5Y-18.0%
10Y+24.0%
PFS

Provident Financial Services, Inc. Cash Conversion Engine

PFS ยท NYSE
Net Income291.16M
Depreciation & Amortization65.51M
Stock-Based Compensation10.45M
Change in Working Capital-70.21M
Others120.88M
Capital Expenditures-11.54M
Free Cash Flow430.73M

Cash Flow Quality Analysis

FCF Conversion Rate

147.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

2.6%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+1.3%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$70.21M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Provident Financial Services, Inc. Cash Flow Statement

PFS โ€ข NYSE

Provident Financial Services, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
291.2M
115.5M
128.4M
175.6M
167.9M
97M
112.6M
118.4M
93.9M
87.8M
83.7M
73.6M
70.5M
67.3M
57.3M
49.7M
-121.8M
41.6M
37.4M
53.7M
65.5M
54.6M
22.2M
23.7M
22.7M
20M
18.8M
10.1M
11.6M
12.8M
13.7M
11.1M
8.8M
9.3M
9.7M
10.7M
12.4M
13.9M
14.1M
19.7M
24.5M
-12.3M
2.7M
2.2M
12.4M
-7.9M
1.7M
-18.5M
40.6M
3.2M
326K
3.7M
5.5M
-1.1M
-3.8M
-3.7M
-5.4M
-4.8M
-637K
215K
10.5M
12.2M
10.8M
13.7M
10M
7.9M
11.4M
10.8M
9.8M
7.7M
7.9M
9.3M
7.7M
6.1M
5.8M
5.1M
1.5M
2.2M
0.0
0.0
120.9M
220.8M
20.3M
-9.3M
-22.8M
24.8M
10.9M
26.8M
9.7M
14.1M
9.3M
12.5M
21.9M
32.8M
47.5M
44.7M
183.8M
22.9M
16.2M
5M
(102.7M)
(36.2M)
(46.5M)
(51.1M)
(57.5M)
(36.5M)
(34.5M)
(15.3M)
(40.6M)
(33.9M)
(40.6M)
(25.8M)
(29.1M)
(25.9M)
(25.9M)
(17.6M)
(14.4M)
(16.7M)
(19.4M)
(0.0)
-70.2M
35.6M
-11M
-5.7M
-33.4M
-38.5M
-18.5M
8.3M
-48.5M
1.8M
-77K
-8.6M
5.4M
-6.1M
-22.8M
-14.2M
-45.5M
-13.3M
3.4M
8.9M
442.3M
426.4M
173.4M
200.3M
156.8M
103.3M
136.9M
155.7M
117.2M
127.3M
114.9M
101.7M
119.9M
108.3M
93.8M
92.3M
23.5M
62.5M
70.5M
87.5M
INVESTING ACTIVITIES
-11.5M
-1.3M
-7.5M
-9.4M
-13.8M
-12.8M
-4.9M
-3.2M
-3.2M
-5M
-5.9M
-16.4M
-7.7M
-7.7M
-8.5M
-8.5M
-8.1M
-6.4M
-9.2M
-6.1M
(0.0)
(194.5M)
(0.0)
(0.0)
(0.0)
(78.1M)
-15M
(0.0)
(0.0)
(0.0)
-25.9M
(68.7M)
(0.0)
(0.0)
-7.3M
(0.0)
(0.0)
(0.0)
-1.4M
(0.0)
-802.3M
-422.4M
-57.2M
-317.5M
-1.4B
-298.1M
-137.3M
-281M
-276.3M
-386.5M
-174M
-137.2M
-401.3M
-585M
-531M
-626.3M
-817.9M
-255.8M
-172.4M
-89.2M
573.4M
954M
230.4M
352.6M
450.3M
426.3M
266.5M
238.4M
275.9M
277.8M
263.4M
273.6M
464.3M
672.6M
524.2M
574.3M
409M
271.6M
371M
404.2M
-811.9M
-217.2M
-635.3M
-673.3M
282.6M
-697.8M
-66.4M
92.4M
-302.7M
-467.1M
-466.3M
-263.2M
-314.6M
-265M
-256.9M
-28M
50.7M
-294M
-179.5M
-47.3M
-1.1B
(507.7M)
-469.6M
-647.6M
-716.6M
-504.4M
(42.9M)
(46.7M)
-306.3M
-580.8M
-408.7M
-74.6M
-259.3M
-185.1M
-279.4M
-88.5M
-366.4M
-284.6M
(8.6M)
(261.5M)
FINANCING ACTIVITIES
-2.9M
-1.3M
0.0
-46.5M
-20.7M
-20.7M
-17.6M
-11.5M
1.7M
95K
1.4M
-2.2M
-4.7M
-3.3M
-959K
-193K
-119K
-1.4M
-116.8M
-99.5M
91.5M
-514.3M
632.7M
710.6M
-564.2M
-150.8M
-317.1M
-300.2M
129.8M
-94.9M
197.8M
193.1M
400.6M
-116.9M
-49.5M
-29.6M
-248.4M
172.6M
221.3M
-154.9M
-125.9M
-101M
-72.4M
-72M
-71.5M
-65.8M
-72.8M
-53.6M
-60M
-45.4M
-41.3M
-36.1M
-32.3M
-40.7M
-26.8M
-25M
-24.9M
-24.7M
-24.8M
-24.3M
(0.0)
-1.3M
(0.0)
-46.5M
-20.7M
-21.2M
-19.9M
-13.2M
-443K
-1.6M
(0.0)
-3.5M
-5.9M
-9.4M
-4.1M
-193K
-119K
-1.4M
-116.8M
(0.0)
652.9M
-291.7M
-270.3M
-670.7M
1.4B
984M
271.9M
114.7M
164.2M
638.6M
134.3M
-179.4M
-226.8M
272M
280.3M
-20.5M
671.5M
3.5M
-110.2M
-95.5M
615.6M
-908.4M
290M
-78.7M
739.9M
746.7M
-135.7M
-250.6M
235.7M
495.6M
292.3M
-24.6M
136.8M
111M
203M
-75.3M
398M
149.9M
-30.5M
-374.2M
CASH FLOW SUMMARY
5.5M
25.7M
-6.3M
-526M
180.1M
272.3M
44.1M
-48.2M
46.5M
42.1M
-1.5M
2.5M
-2.6M
34.2M
17.4M
-71.5M
55.2M
-72.1M
48.6M
-25.2M
205.9M
180.2M
186.4M
712.5M
532.4M
145.7M
142.7M
190.8M
144.3M
102.2M
103.8M
101.2M
103.8M
69.6M
52.2M
123.7M
68.5M
140.6M
92.1M
117.3M
211.5M
205.9M
180.2M
186.5M
712.5M
418.1M
186.7M
142.7M
190.8M
144.3M
102.2M
103.8M
101.2M
103.8M
69.6M
52.2M
123.7M
68.5M
140.6M
92.1M
430.7M
425.1M
165.9M
190.9M
143M
90.5M
132M
152.6M
114M
122.3M
109M
85.2M
112.2M
100.6M
85.3M
83.8M
15.4M
56.2M
61.7M
81.3M

SEC Filings

PFS - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 26, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

May 22, 2026
May 21, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 29, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
May 21, 2026
2026
8-K

8-K 2026

N/A

March 05, 2026
February 27, 2026
2026
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 28, 2026
January 27, 2026
2026
Showing 1 to 10 of 435 filings