Provident Financial Services, Inc.

Provident Financial Services, Inc.

PFS
Provident Financial Services, Inc.US flagNew York Stock Exchange
23.72
USD
+0.16
- -
3.09BMarket Cap
Provident Financial Services, Inc.
PFS
(New York Stock Exchange)

Recent

price

23.72

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.25
4.37
4.57
4.55
4.64
4.85
4.93
5.19
5.53
5.6
5.54
5.92
6.76
6.4
6.33
6.67
6.95
Revenue per Share
0.88
1.01
1.18
1.23
1.22
1.33
1.38
1.46
1.82
1.74
1.39
2.2
2.35
1.72
1.05
2.23
2.4
Basic EPS, GAAP
1.48
1.5
1.76
1.96
1.41
1.73
1.92
1.77
2.35
2.04
1.3
1.87
2.56
2.22
3.88
3.3
2.69
Free Cash Flow per Basic Share
0.44
0.47
0.71
0.56
0.6
0.66
0.71
0.93
0.83
1.13
0.95
0.93
0.96
0.97
0.92
0.97
0.95
Dividend per Share
15.38
15.88
16.37
16.87
17.63
18.26
18.94
19.52
20.49
21.49
20.87
22.05
21.25
22.38
19.93
21.69
22.29
Book Value per Share
9.47
9.87
10.4
10.92
11.4
11.75
12.54
13.2
14.18
14.85
14.86
16.02
15.12
16.32
13.66
15.7
16.42
Tangible Book Value per Share
57
57
57
57
60
63
64
64
65
65
70
76
75
75
110
130
130
Basic Weighted Avg Shares
241
249
261
260
280
305
314
334
359
362
385
453
505
479
695
870
907
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
11
10
9
9
11
14
13
12
10
19
20
23
24
22
55
66
63
Depreciation Expense
50
57
67
71
74
84
88
94
118
113
97
168
176
128
116
291
313
Net Income, GAAP
25
25.71
30.02
33.4
30.15
30.33
29.64
33.12
17.74
23.42
23.99
26.06
26.85
26.95
22.79
28.66
27.29
Effective Tax Rate (%)
20.67
23.07
25.78
27.11
26.29
27.44
27.97
28.14
32.94
31.13
25.18
37.08
34.76
26.79
16.63
33.45
34.47
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
970
548
508
958
1,263
1,446
1,456
1,599
1,321
1,064
1,101
520
1,250
1,459
2,309
2,424
2,732
LT Debt
922
952
981
1,011
1,144
1,196
1,252
1,299
1,359
1,414
1,620
1,697
1,598
1,691
2,601
2,833
2,907
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.5
6.12
6.96
7.08
6.83
7.16
7.17
7.37
8.91
8.12
6.39
10.13
10.66
7.81
5.38
10.72
11.14
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
2,424
2,796
2,732
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
131
130
130
Market Capitalization
2,580
2,757
3,083

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
325
362
3,202
Accounts Receivable, Net
96
98
98
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.92%
13.5%
8.92%
Free Cash Flow
23.04%
47.2%
1.33%
Net Income, GAAP
21.2%
38.58%
152.03%
Sales/Revenue/Turnover
11.83%
18.86%
25.29%
Total Cash Common Dividend
13.17%
14.8%
24.71%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
114
164
- -
- -
695
2025
209
214
222
226
870
2026
225
235
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
-0.11
- -
- -
1.05
2025
0.49
0.55
0.55
0.64
2.23
2026
0.61
0.6
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.24
0.18
- -
- -
0.92
2025
0.24
0.24
0.24
0.24
0.97
2026
0.24
0.23
- -
- -
- -
Business
Provident Financial Services, Inc. (NYSE:PFS) operates as the holding company for Provident Bank, a community-oriented financial institution that provides a comprehensive array of banking products and services to individuals, families, and businesses throughout northern and central New Jersey, eastern Pennsylvania, Bucks, Lehigh, and Northampton counties in Pennsylvania, and Orange, Queens, and Nassau counties in New York. Established in 1839 and headquartered in Iselin, New Jersey, the Bank offers deposit products including savings accounts, checking accounts, interest-bearing checking accounts, money market deposit accounts, certificates of deposit, and IRA products; loan products encompassing commercial real estate loans secured by multi-family apartment buildings, retail and industrial properties, and office buildings, commercial business loans, fixed-rate and adjustable-rate residential mortgage loans collateralized by one- to four-family properties, commercial construction loans, home equity loans and lines of credit, personal loans, unsecured lines of credit, auto loans, and recreational vehicle loans; wealth management, trust, and fiduciary services through its wholly owned subsidiary Beacon Trust Company; and insurance services through its wholly owned subsidiary Provident Protection Plus, Inc., including property and casualty insurance, employee benefits, and risk management solutions. The company maintains strong positions in commercial real estate lending, residential mortgage origination, asset-based lending, equipment lease financing, and treasury management services, with additional offerings in online and mobile banking, cash management, and small business administration loans. In May 2024, Provident Financial Services completed its merger with Lakeland Bancorp, Inc., creating a super community banking franchise with approximately $24.5 billion in assets, $18.8 billion in loans, $18.6 billion in deposits, and 140 branches across its operating footprint; the transaction enhanced scale, diversified revenue streams with added capabilities in asset-based lending, equipment financing, and mortgage warehouse lending, and resulted in board and executive leadership expansions including the appointment of Thomas J. Shara as Executive Vice Chairman. Prior to the merger close, the company successfully completed a $225 million public offering of 9.00% fixed-to-floating rate subordinated notes due 2034 in May 2024 to support regulatory requirements and general corporate purposes including debt repayment.

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