PFS
Provident Financial Services, Inc.
Price Chart
Latest Quote
$23.01
+0.29 (+1.28%)
Current Price
| Previous Close | $22.72 |
| Open | $22.72 |
| Day High | $23.12 |
| Day Low | $22.64 |
| Volume | 460,014 |
Stock Information
| Quarterly Dividend / Yield | $0.96 / 4.23% |
| Shares Outstanding | 130.31M |
| Quarterly Dividend Yield | 4.23% |
| Quarterly Dividend | $0.96 |
| Total Debt | $3.06B |
| Cash Equivalents | $327.34M |
| Revenue | $886.01M |
| Net Income | $306.55M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $3.00B |
| P/E Ratio | 9.79 |
| EPS (TTM) | $2.35 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $5.69B |
| Sales | $886.01M |
| Income | $306.55M |
| Book/sh | $21.97 |
| Cash/sh | $2.51 |
| Employees | 2K |
Financial Ratios
| EPS Growth TTM | 24.00% |
Returns & Margins
| ROA | 1.24% |
| ROE | 11.10% |
| Operating Margin | 53.48% |
| Profit Margin | 34.60% |
Ownership
| Insider Ownership | 2.84% |
| Institutional Ownership | 76.11% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.11 |
| PEG | 1.61 |
| P/S | 3.38 |
| P/B | 1.05 |
Analyst Data
| Recommendation | buy |
| Target Price | $25.00 |
Technical Indicators
| SMA20 | $22.58 |
| SMA50 | $22.30 |
| SMA200 | $20.46 |
| RSI | 62.91 |
| ATR | 0.5604 |
| Shares Float | 126.19M |
| Short Float | 6.73% |
| Short Ratio | 6.20 |
| Volatility | 0.79 |
| Rel Volume | 0.47 |
Performance History
| Week | -2.17% |
| Month | +3.88% |
| Quarter | +14.66% |
| 6 Months | +12.32% |
| YTD | +19.03% |
| Year | +49.41% |
| 3 Years | +49.95% |
| 5 Years | +19.75% |
| 10 Years | +85.50% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $23.01 | 460,014 |
| 2026-06-18 | $22.72 | 2,218,400 |
| 2026-06-17 | $22.61 | 1,589,700 |
| 2026-06-16 | $23.15 | 1,440,700 |
| 2026-06-15 | $23.09 | 792,900 |
| 2026-06-12 | $23.52 | 760,400 |
| 2026-06-11 | $23.25 | 760,600 |
| 2026-06-10 | $23.12 | 781,800 |
| 2026-06-09 | $22.96 | 878,900 |
| 2026-06-08 | $22.66 | 827,000 |
| 2026-06-05 | $22.50 | 613,200 |
| 2026-06-04 | $22.34 | 764,400 |
| 2026-06-03 | $21.54 | 1,290,500 |
| 2026-06-02 | $22.25 | 849,700 |
| 2026-06-01 | $21.84 | 867,000 |
| 2026-05-29 | $22.19 | 1,199,200 |
| 2026-05-28 | $22.16 | 890,900 |
| 2026-05-27 | $22.17 | 857,700 |
| 2026-05-26 | $22.43 | 942,600 |
| 2026-05-22 | $22.05 | 805,400 |
About Provident Financial Services, Inc.
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. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; residential mortgage loans; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning; and insurance agency operations. Further, it sells insurance and investment products, including annuities; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $870,401,000 | $694,727,000 | $479,283,000 | $505,341,000 |
| Operating Revenue | $870,401,000 | $694,727,000 | $479,283,000 | $505,341,000 |
| Expenses | ||||
| Interest Expense | $512,209,000 | $445,524,000 | $216,366,000 | $48,629,000 |
| Selling And Marketing Expense | $5,530,000 | $5,146,000 | $4,822,000 | $5,191,000 |
| General And Administrative Expense | $266,035,000 | $231,305,000 | $157,075,000 | $152,398,000 |
| Other Non Interest Expense | $97,235,000 | $90,285,000 | $70,390,000 | $60,656,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Net Interest Income | $760,565,000 | $600,614,000 | $399,454,000 | $417,552,000 |
| Interest Income | $1,272,774,000 | $1,046,138,000 | $615,820,000 | $466,181,000 |
| Normalized Income | $291,160,000 | $159,434,770 | $134,110,980 | $178,667,812 |
| Net Income From Continuing And Discontinued Operation | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Net Income Common Stockholders | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Net Income | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Net Income Including Noncontrolling Interests | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Net Income Continuous Operations | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Pretax Income | $408,157,000 | $149,615,000 | $175,779,000 | $240,106,000 |
| Special Income Charges | $0 | $-56,867,000 | $-7,826,000 | $-4,128,000 |
| Depreciation Amortization Depletion Income Statement | $37,074,000 | $28,931,000 | $2,952,000 | $3,292,000 |
| Depreciation And Amortization In Income Statement | $37,074,000 | $28,931,000 | $2,952,000 | $3,292,000 |
| Amortization Of Intangibles Income Statement | $37,074,000 | $28,931,000 | $2,952,000 | $3,292,000 |
| Per Share | ||||
| Diluted EPS | $2.23 | $1.05 | $1.71 | $2.35 |
| Basic EPS | $2.23 | $1.05 | $1.72 | $2.35 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $-12,957,230 | $-2,113,020 | $-1,108,188 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $0 | $-56,867,000 | $-7,826,000 | $-4,128,000 |
| Total Unusual Items Excluding Goodwill | $0 | $-56,867,000 | $-7,826,000 | $-4,128,000 |
| Reconciled Depreciation | $65,512,000 | $54,587,000 | $22,190,000 | $23,693,000 |
| Diluted Average Shares | $130,507,070 | $109,712,732 | $74,873,256 | $74,782,370 |
| Basic Average Shares | $130,462,418 | $109,668,911 | $74,844,489 | $74,700,623 |
| Diluted NI Availto Com Stockholders | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Tax Provision | $116,997,000 | $34,090,000 | $47,381,000 | $64,458,000 |
| Restructuring And Mergern Acquisition | $0 | $56,867,000 | $7,826,000 | $4,128,000 |
| Gain On Sale Of Security | $843,000 | $-2,986,000 | $30,000 | $181,000 |
| Amortization | $37,074,000 | $28,931,000 | $2,952,000 | $3,292,000 |
| Selling General And Administration | $271,565,000 | $236,451,000 | $161,897,000 | $157,589,000 |
| Insurance And Claims | $12,902,000 | $12,964,000 | $8,578,000 | $5,195,000 |
| Salaries And Wages | $253,133,000 | $218,341,000 | $148,497,000 | $147,203,000 |
| Occupancy And Equipment | $52,789,000 | $45,014,000 | $32,271,000 | $34,566,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $2,051,060,000 | $1,781,977,000 | $1,232,654,000 | $1,136,811,000 |
| Total Assets | $24,980,710,000 | $24,051,825,000 | $14,210,810,000 | $13,783,436,000 |
| Goodwill And Other Intangible Assets | $782,152,000 | $819,230,000 | $457,942,000 | $460,892,000 |
| Other Intangible Assets | $158,083,000 | $195,161,000 | $14,319,000 | $17,269,000 |
| Receivables | $95,798,000 | $91,160,000 | $58,966,000 | $51,903,000 |
| Accounts Receivable | $95,798,000 | $91,160,000 | $58,966,000 | $51,903,000 |
| Cash And Cash Equivalents | $211,484,000 | $205,939,000 | $180,255,000 | $186,508,000 |
| Cash Financial | $211,484,000 | $205,939,000 | $180,241,000 | $186,490,000 |
| Cash Cash Equivalents And Federal Funds Sold | $211,484,000 | $205,939,000 | $180,255,000 | $186,508,000 |
| Cash Equivalents | - | $25,000 | $14,000 | $18,000 |
| Debt | ||||
| Net Debt | $2,212,046,000 | $2,102,880,000 | $1,278,312,000 | $1,063,355,000 |
| Total Debt | $2,423,530,000 | $2,308,819,000 | $1,458,567,000 | $1,249,863,000 |
| Long Term Debt And Capital Lease Obligation | $2,423,530,000 | $2,308,819,000 | $1,458,567,000 | $1,249,863,000 |
| Long Term Debt | $2,423,530,000 | $2,308,819,000 | $1,458,567,000 | $1,249,863,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $22,147,498,000 | $21,450,618,000 | $12,520,214,000 | $12,185,733,000 |
| Equity | ||||
| Common Stock Equity | $2,833,212,000 | $2,601,207,000 | $1,690,596,000 | $1,597,703,000 |
| Total Equity Gross Minority Interest | $2,833,212,000 | $2,601,207,000 | $1,690,596,000 | $1,597,703,000 |
| Stockholders Equity | $2,833,212,000 | $2,601,207,000 | $1,690,596,000 | $1,597,703,000 |
| Gains Losses Not Affecting Retained Earnings | $-76,183,000 | $-135,355,000 | $-141,115,000 | $-165,045,000 |
| Other Equity Adjustments | $-76,183,000 | $-135,355,000 | $-141,115,000 | $-165,045,000 |
| Retained Earnings | $1,154,364,000 | $989,111,000 | $974,542,000 | $918,158,000 |
| Other Equity Interest | - | - | $-4,896,000 | $-10,226,000 |
| Other | ||||
| Treasury Shares Number | $6,946,017 | $7,076,473 | $7,671,826 | $8,039,816 |
| Ordinary Shares Number | $130,619,949 | $130,489,493 | $75,537,186 | $75,169,196 |
| Share Issued | $137,565,966 | $137,565,966 | $83,209,012 | $83,209,012 |
| Tangible Book Value | $2,051,060,000 | $1,781,977,000 | $1,232,654,000 | $1,136,811,000 |
| Invested Capital | $5,256,742,000 | $4,910,026,000 | $3,149,163,000 | $2,847,566,000 |
| Total Capitalization | $5,256,742,000 | $4,910,026,000 | $3,149,163,000 | $2,847,566,000 |
| Treasury Stock | $91,294,000 | $88,420,000 | $127,825,000 | $127,154,000 |
| Additional Paid In Capital | $1,844,949,000 | $1,834,495,000 | $989,058,000 | $981,138,000 |
| Capital Stock | $1,376,000 | $1,376,000 | $832,000 | $832,000 |
| Common Stock | $1,376,000 | $1,376,000 | $832,000 | $832,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $3,466,758,000 | $3,115,648,000 | $2,054,462,000 | $2,192,618,000 |
| Held To Maturity Securities | $282,127,000 | $327,623,000 | $363,080,000 | $387,923,000 |
| Available For Sale Securities | $3,071,234,000 | $19,110,000 | $1,270,000 | $1,147,000 |
| Goodwill | $624,069,000 | $624,069,000 | $443,623,000 | $443,623,000 |
| Net PPE | $113,328,000 | $119,622,000 | $70,998,000 | $79,794,000 |
| Accumulated Depreciation | $-192,531,000 | $-181,159,000 | $-121,868,000 | $-116,348,000 |
| Gross PPE | $305,859,000 | $300,781,000 | $192,866,000 | $196,142,000 |
| Leases | $59,497,000 | $59,084,000 | $45,154,000 | $49,878,000 |
| Construction In Progress | $7,698,000 | $4,870,000 | $5,331,000 | $1,012,000 |
| Machinery Furniture Equipment | $84,438,000 | $80,269,000 | $56,082,000 | $55,883,000 |
| Buildings And Improvements | $127,286,000 | $128,931,000 | $72,905,000 | $74,945,000 |
| Land And Improvements | $26,940,000 | $27,627,000 | $13,394,000 | $14,424,000 |
| Other Short Term Investments | $113,397,000 | $2,768,915,000 | $1,690,112,000 | $1,803,548,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $430,725,000 | $425,074,000 | $165,908,000 | $190,899,000 |
| Operating Activities | ||||
| Operating Cash Flow | $442,264,000 | $426,381,000 | $173,396,000 | $200,310,000 |
| Cash Flow From Continuing Operating Activities | $442,264,000 | $426,382,000 | $173,396,000 | $200,310,000 |
| Operating Gains Losses | $-5,392,000 | $1,228,000 | $-1,895,000 | $-1,718,000 |
| Investing Activities | ||||
| Capital Expenditure | $-11,539,000 | $-1,307,000 | $-7,488,000 | $-9,411,000 |
| Investing Cash Flow | $-1,052,334,000 | $507,674,000 | $-469,600,000 | $-647,564,000 |
| Cash Flow From Continuing Investing Activities | $-1,052,334,000 | $507,674,000 | $-469,600,000 | $-647,564,000 |
| Net Other Investing Changes | $3,765,000 | $-23,195,000 | $-2,450,000 | $-17,139,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $0 | $0 | $-46,530,000 |
| Financing Cash Flow | $615,615,000 | $-908,371,000 | $289,951,000 | $-78,701,000 |
| Cash Flow From Continuing Financing Activities | $615,615,000 | $-908,371,000 | $289,951,000 | $-78,701,000 |
| Cash Dividends Paid | $-125,907,000 | $-100,956,000 | $-72,447,000 | $-72,023,000 |
| Common Stock Dividend Paid | $-125,907,000 | $-100,956,000 | $-72,447,000 | $-72,023,000 |
| Net Common Stock Issuance | $0 | $0 | $0 | $-46,530,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-352,362,000 | $-1,390,028,000 | $-58,443,000 | $-3,252,556,000 |
| Issuance Of Debt | $150,000,000 | $857,080,000 | $534,807,000 | $3,982,100,000 |
| Interest Paid Supplemental Data | $494,096,000 | $397,282,000 | $210,345,000 | $46,896,000 |
| Income Tax Paid Supplemental Data | $102,650,000 | $36,184,000 | $46,461,000 | $51,050,000 |
| End Cash Position | $211,484,000 | $205,939,000 | $180,255,000 | $186,508,000 |
| Beginning Cash Position | $205,939,000 | $180,255,000 | $186,508,000 | $712,463,000 |
| Changes In Cash | $5,545,000 | $25,684,000 | $-6,253,000 | $-525,955,000 |
| Proceeds From Stock Option Exercised | $-2,874,000 | $-1,323,000 | $-888,000 | $-1,021,000 |
| Common Stock Payments | $0 | $0 | $0 | $-46,530,000 |
| Net Issuance Payments Of Debt | $91,520,000 | $-514,345,000 | $632,663,000 | $710,596,000 |
| Net Short Term Debt Issuance | $293,882,000 | $18,603,000 | $156,299,000 | $-18,948,000 |
| Net Long Term Debt Issuance | $-202,362,000 | $-532,948,000 | $476,364,000 | $729,544,000 |
| Long Term Debt Payments | $-352,362,000 | $-1,390,028,000 | $-58,443,000 | $-3,252,556,000 |
| Long Term Debt Issuance | $150,000,000 | $857,080,000 | $534,807,000 | $3,982,100,000 |
| Net Investment Purchase And Sale | $-228,914,000 | $531,618,000 | $173,170,000 | $35,151,000 |
| Sale Of Investment | $573,432,000 | $953,980,000 | $230,358,000 | $352,620,000 |
| Purchase Of Investment | $-802,346,000 | $-422,362,000 | $-57,188,000 | $-317,469,000 |
| Net Business Purchase And Sale | $0 | $194,548,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-9,191,000 | $-1,307,000 | $-7,383,000 | $-9,389,000 |
| Sale Of PPE | $2,348,000 | $0 | $105,000 | $22,000 |
| Purchase Of PPE | $-11,539,000 | $-1,307,000 | $-7,488,000 | $-9,411,000 |
| Change In Working Capital | $-70,206,000 | $35,576,000 | $-10,985,000 | $-5,660,000 |
| Change In Other Current Liabilities | $-52,490,000 | $17,315,000 | $-29,007,000 | $60,544,000 |
| Change In Other Current Assets | $-13,078,000 | $23,214,000 | $25,085,000 | $-56,291,000 |
| Change In Receivables | $-4,638,000 | $-4,953,000 | $-7,063,000 | $-9,913,000 |
| Changes In Account Receivables | $-4,638,000 | $-4,953,000 | $-7,063,000 | $-9,913,000 |
| Other Non Cash Items | $112,801,000 | $131,728,000 | $-5,812,000 | $-16,303,000 |
| Stock Based Compensation | $10,454,000 | $12,195,000 | $10,799,000 | $13,745,000 |
| Deferred Tax | $24,461,000 | $-12,271,000 | $2,725,000 | $2,220,000 |
| Deferred Income Tax | $24,461,000 | $-12,271,000 | $2,725,000 | $2,220,000 |
| Depreciation Amortization Depletion | $65,512,000 | $54,587,000 | $22,190,000 | $23,693,000 |
| Depreciation And Amortization | $65,512,000 | $54,587,000 | $22,190,000 | $23,693,000 |
| Amortization Cash Flow | $51,317,000 | - | - | - |
| Amortization Of Intangibles | $51,317,000 | - | - | - |
| Depreciation | $14,195,000 | $54,587,000 | $22,190,000 | $23,693,000 |
| Gain Loss On Investment Securities | $-843,000 | $2,986,000 | $-30,000 | $-181,000 |
| Gain Loss On Sale Of PPE | $-681,000 | $0 | $154,000 | $-22,000 |
| Net Income From Continuing Operations | $291,160,000 | $115,525,000 | $128,398,000 | $175,648,000 |
| Other Cash Adjustment Outside Changein Cash | - | - | - | $27,230,000 |
| Short Term Debt Payments | - | - | - | - |
Fetched: 2026-06-20