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+150.0%
5Y+217.0%
10Y+287.0%
3Y+66.0%
5Y+200.0%
10Y+232.0%
3Y+121.0%
5Y+328.0%
10Y+247.0%
Provident Financial Services, Inc.

Provident Financial Services, Inc. Profit Bridge

PFS ยท NYSE
Revenue1.38B
Cost of Goods Sold (515.79M)
Gross Profit866.82M
Operating Expenses (458.66M)
Operating Income408.16M
Interest Expense (512.21M)
Other Income/Expense0.00
Pretax Income408.16M
Income Tax (117.00M)
Net Income291.16M
Net Income
291.16M

Profitability Analysis

Gross Margin

62.7%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

29.5%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

21.1%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

28.7%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Provident Financial Services, Inc. Income Statement

PFS โ€ข NYSE

Provident Financial Services, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
1.4B
1.1B
695.6M
554M
489.1M
435.7M
435.3M
418.5M
379.5M
357.4M
347M
320.5M
296.9M
305.9M
308.3M
318.1M
326M
335.9M
339.1M
314.1M
GROSS PROFIT
(515.8M)
(533.1M)
(244.5M)
(53.6M)
(13.5M)
(82.3M)
(86.6M)
(82.9M)
(51.2M)
(49.1M)
(46.3M)
(45.1M)
(42.3M)
(60.9M)
(88.6M)
(113.1M)
(141.8M)
(147.4M)
(154.2M)
(118.9M)
866.8M
607.2M
451.1M
500.3M
475.7M
353.5M
348.7M
335.7M
328.3M
308.6M
300.8M
275.4M
254.7M
245M
219.6M
205M
184.3M
188.6M
184.9M
195.2M
OPERATING INCOME
(458.7M)
(457.5M)
(275.3M)
(260.2M)
(248.5M)
(225.9M)
(201.6M)
(191.7M)
(187.8M)
(183.8M)
(180.6M)
(170M)
(148.8M)
(148.8M)
(142.4M)
(138.7M)
(299.1M)
(132M)
(134M)
(118.3M)
(305.9M)
(236.5M)
(161.9M)
(157.6M)
(153.6M)
(138.4M)
(122.3M)
(118.8M)
(117.1M)
(114.7M)
(109M)
(101.9M)
(91.6M)
(89M)
(84.7M)
(81.5M)
(94.1M)
(81.7M)
(86.2M)
(67.1M)
408.2M
149.6M
175.8M
240.1M
227.1M
127.6M
147.1M
143.9M
140.5M
124.8M
120.2M
105.4M
105.9M
96.1M
77.2M
66.3M
-114.8M
56.6M
50.9M
76.9M
PRE-TAX INCOME
(512.2M)
(445.5M)
(216.4M)
(48.6M)
(36.3M)
(50.7M)
(73.5M)
(59.2M)
(45.6M)
(43.7M)
(41.9M)
(40.5M)
(36.8M)
(44.9M)
(59.7M)
(77.6M)
(111.5M)
(132.3M)
(147.7M)
(117.6M)
760.6M
600.6M
399.5M
417.6M
366M
312.6M
298M
300.7M
278.2M
258.6M
249.9M
238.9M
216M
217.3M
216M
209M
181M
172.1M
154.9M
164.5M
(152.7M)
(221.1M)
(113.4M)
(102.6M)
(95M)
(87.5M)
(79.3M)
(72.9M)
(70.7M)
(69.1M)
(71.6M)
(68.1M)
(57.2M)
(59.8M)
(57.7M)
(57.2M)
(204.9M)
(50.3M)
(47.8M)
(51.2M)
408.2M
149.6M
175.8M
240.1M
227.1M
127.6M
147.1M
143.9M
140.5M
124.8M
120.2M
105.4M
105.9M
96.1M
77.2M
66.3M
-114.8M
56.6M
50.9M
76.9M
NET INCOME
(117M)
(34.1M)
(47.4M)
(64.5M)
(59.2M)
(30.6M)
(34.5M)
(25.5M)
(46.5M)
(37M)
(36.4M)
(31.8M)
(35.4M)
(28.9M)
(19.8M)
(16.6M)
(7M)
(14.9M)
(13.5M)
(23.2M)
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

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