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Provident Financial Services Inc (PFS) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - REGIONAL · DATA UPDATED 2026-08-29

Provident Financial Services Inc (PFS) operates in the BANKS - REGIONAL industry and is headquartered in Jersey City, United States with about 1,817 employees. Its market capitalization is roughly $3 billion. In the fiscal year ended 2025-12-31, PFS reported $1.4B in revenue and $291M in net income.

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.

Interactive charts & full statements → Open the PFS valuation workbench →

PFS Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$1.4B	$1.4B	$1.1B	$696M	$554M	$489M	$436M	$435M	$419M	$380M	$358M	$347M	$321M	$297M	$306M	$308M	$318M	$326M	$336M	$339M	$314M
Gross Profit	$872M	$867M	$607M	$451M	$500M	$476M	$353M	$349M	$336M	$328M	$309M	$301M	$275M	$255M	$245M	$220M	$205M	$184M	$189M	$185M	$195M
Gross Margin %	63.2%	62.7%	53.2%	64.8%	90.3%	97.2%	81.1%	80.1%	80.2%	86.5%	86.3%	86.7%	85.9%	85.8%	80.1%	71.2%	64.5%	56.5%	56.1%	54.5%	62.1%
Operating Income (EBIT)	$398M	$408M	$150M	$176M	$240M	$227M	$128M	$147M	$144M	$140M	$125M	$120M	$105M	$106M	$96M	$77M	$66M	($115M)	$57M	$51M	$77M
Operating Margin %	28.8%	29.5%	13.1%	25.3%	43.3%	46.4%	29.3%	33.8%	34.4%	37.0%	34.9%	34.6%	32.9%	35.7%	31.4%	25.0%	20.8%	-35.2%	16.8%	15.0%	24.5%
Net Income	$313M	$291M	$116M	$128M	$176M	$168M	$97M	$113M	$118M	$94M	$88M	$84M	$74M	$71M	$67M	$57M	$50M	($122M)	$42M	$37M	$54M
Net Margin %	22.7%	21.1%	10.1%	18.5%	31.7%	34.3%	22.2%	25.9%	28.3%	24.8%	24.6%	24.1%	23.0%	23.8%	22.0%	18.6%	15.6%	-37.4%	12.4%	11.0%	17.1%
EBITDA	$486M	$474M	$204M	$198M	$264M	$250M	$148M	$166M	$154M	$152M	$138M	$134M	$117M	$115M	$105M	$87M	$77M	($102M)	$70M	$65M	$97M
Earnings Per Share (EPS)	$2.40	$2.23	$1.05	$1.71	$2.35	$2.19	$1.39	$1.74	$1.82	$1.45	$1.38	$1.33	$1.22	$1.23	$1.18	$1.01	$0.88	$-2.16	$0.74	$0.63	$0.87
Shares Outstanding (M)	130M	131M	110M	75M	75M	77M	70M	65M	65M	65M	64M	63M	61M	57M	57M	57M	57M	56M	56M	59M	62M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

PFS Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$327M	$347M	$353M	$354M	$343M	$332M	$296M	$318M
Gross Profit	$203M	$227M	$227M	$215M	$217M	$208M	$157M	$170M
Gross Margin %	62.1%	65.6%	64.3%	60.7%	63.2%	62.6%	53.0%	53.5%
Operating Income (EBIT)	$74M	$110M	$112M	$102M	$102M	$92M	$63M	$65M
Operating Margin %	22.7%	31.8%	31.8%	28.7%	29.8%	27.6%	21.2%	20.5%
Net Income	$78M	$79M	$83M	$72M	$72M	$64M	$49M	$46M
Net Margin %	23.9%	22.9%	23.6%	20.3%	21.0%	19.3%	16.4%	14.6%
EBITDA	$115M	$126M	$128M	$118M	$119M	$109M	$79M	$85M
Earnings Per Share (EPS)	$0.60	$0.61	$0.64	$0.55	$0.55	$0.49	$0.37	$0.36
Shares Outstanding (M)	130M	131M	131M	130M	130M	130M	130M	130M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

PFS Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$370M	$442M	$426M	$173M	$200M	$158M	$107M	$137M	$156M	$117M	$127M	$115M	$102M	$120M	$108M	$94M	$92M	$24M	$63M	$71M	$87M
Capital Expenditures (CapEx)	$15M	$12M	$1M	$7M	$9M	$14M	$13M	$5M	$3M	$3M	$5M	$6M	$16M	$8M	$8M	$9M	$9M	$8M	$6M	$9M	$6M
Free Cash Flow (FCF)	$355M	$431M	$425M	$166M	$191M	$144M	$94M	$132M	$153M	$114M	$122M	$109M	$85M	$112M	$101M	$85M	$84M	$15M	$56M	$61M	$81M
FCF Margin %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividends Paid	$124M	$126M	$101M	$72M	$72M	$71M	$66M	$73M	$54M	$60M	$45M	$41M	$36M	$32M	$41M	$27M	$25M	$25M	$25M	$25M	$24M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

PFS Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$119M	$85M	$69M	$98M	$187M	$89M	$239M	$69M
Capital Expenditures (CapEx)	$4M	$4M	$6M	$1M	$4M	$1M	$1M	$1M
Free Cash Flow (FCF)	$115M	$81M	$62M	$97M	$183M	$87M	$238M	$68M
FCF Margin %	—	—	—	—	—	—	—	—
Dividends Paid	$30M	$31M	$31M	$31M	$31M	$32M	$27M	$37M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

PFS Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$25.7B	$25.0B	$24.1B	$14.2B	$13.8B	$13.8B	$12.9B	$9.8B	$9.7B	$9.8B	$9.5B	$8.9B	$8.5B	$7.5B	$7.3B	$7.1B	$6.8B	$6.8B	$6.5B	$6.4B	$5.7B
Cash & Cash Equivalents	$228M	$211M	$206M	$180M	$187M	$712M	$532M	$187M	$143M	$191M	$144M	$102M	$104M	$101M	$104M	$70M	$52M	$121M	$66M	$84M	$89M
Total Liabilities	$22.8B	$22.1B	$21.5B	$12.5B	$12.2B	$637M	$1.2B	$1.1B	$8.4B	$8.5B	$8.2B	$7.7B	$7.4B	$6.5B	$6.3B	$6.1B	$5.9B	$6.0B	$5.5B	$5.4B	$4.7B
Total Debt (Short + Long-Term)	$4.7B	$2.6B	$2.4B	$1.5B	$2.2B	$1.1B	$2.1B	$2.0B	$2.4B	$2.7B	$2.2B	$3.4B	$3.0B	$1.4B	$1.1B	$1.3B	$970M	$578M	$797M	$1.1B	$1.1B
Total Shareholders' Equity	$2.9B	$2.8B	$2.6B	$1.7B	$1.6B	$13.1B	$11.7B	$8.7B	$1.4B	$1.3B	$1.3B	$1.2B	$1.1B	$1.0B	$981M	$952M	$922M	$885M	$1.0B	$1.0B	$1.0B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive PFS viewer.

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BANC · Banc of California, Inc. — $3 billion
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