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Provident Financial Services(NYSE) PFS

Current Price$23.86
Market Cap$3.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+265%
5 Year+45%
1 Year+36%
1 Month+2%
Provident Financial Services last closing stock price
MetricPriceDate
Last closeUSD 23.892026-07-24
Provident Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.75%USD 24.072026-07-17
1 month+2.23%USD 23.372026-06-24
3 month+8.02%USD 22.122026-04-24
Year to date+23.59%USD 19.332025-12-31
1 year+36.44%USD 17.512025-07-24
3 year+48.82%USD 16.052023-07-25
5 year+45.05%USD 16.472021-07-23
Since inception+264.89%USD 6.582003-01-16

Provident Financial Services Financials at a Glance

Market Cap

$3.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.40B

Net Income (TTM)

$306.55M

EPS (TTM)

$2.35

P/E Ratio

10.17

Dividend

$0.96

Beta (Volatility)

0.84 (Low)

Price

$23.86

Volume

36,859

Open

$23.79

Previous Close

$23.86

Daily Range

$23.73 - $24.15

52-Week Range

$17.61 - $24.56

Estimated Earnings Date

Jul 23, 2026

PFS News

featured-earnings-leadership-highlights.png

Provident Financial Sets Revenue Record

Motley Fool Markets TeamJul 25, 2025

Regional Bank Earnings Roundup

Robert EberhardMay 3, 2012

Provident Financial Services Earnings Preview

Narrative ScienceApr 24, 2012

The Best Savings and Loan Stocks for Your Portfolio

Robert EberhardOct 28, 2011

PFS: Motley Fool Moneyball Superscore

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About Provident Financial Services

Provident helps families and businesses manage their money. It gives loans for houses and commercial buildings. The bank also offers everyday checking and savings accounts.

A Menu of Banking Services

  • Commercial Real Estate: Loans for buying apartment buildings, office spaces, and industrial properties.
  • Business Lending: Term loans and credit lines used for commercial operations and equipment.
  • Residential Mortgages: Home loans for people purchasing one- to four-family houses.
  • Wealth Management: Professional investment advice, financial planning, and estate administration services.
  • Consumer Banking: Personal financial products including savings accounts and vehicle loans.

Growing the Regional Footprint

  • Completed the acquisition of Lakeland to expand its regional market presence.
  • Grew total loans held for investment to $19.6 billion by March 31, 2026.
  • Increased the available for sale debt securities portfolio to $3.24 billion as of March 2026.

Where the Bank Operates

Provident operates 96 full-service branches throughout New Jersey, Pennsylvania, and New York. The bank combines traditional lending with specialized insurance and wealth management services to serve diverse financial needs.

The Latest Financial Facts

  • Net income hit $79.4 million in Q1 2026, up 24% year-over-year.
  • Revenue reached $346.5 million in Q1 2026, up 4.3% from Q1 2025.
  • Operating income was $110.2 million in Q1 2026, up 19.9% from the previous year.
  • Free cash flow reached $81 million in Q1 2026, down 7.3% compared to Q1 2025.

The Final Word

Provident has expanded from its regional origins into a multi-state financial provider through strategic acquisitions. Its model balances traditional commercial and residential lending with integrated wealth and insurance services.

AI Generated • May 24, 2026

Industry

Banks

Sector

Financials

Employees

1,866

CEO

Anthony J. Labozzetta, CPA

Website

www.provident.bank

Headquarters

Jersey City, NJ 07302, US

PFS Financials

Key Financial Metrics (TTM)

Gross Margin

63.43%

Operating Margin

30.53%

Net Income Margin

21.95%

Return on Equity

10.98%

Return on Capital

7.63%

Return on Assets

1.22%

Earnings Yield

9.83%

Dividend Yield

4.02%

Payout Ratio

40.91%

Stock Overview

Market Cap

$3.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

130.31M

Volume

36.86K

Avg. Volume

1.03M

Financials (TTM)

Gross Profit

$886.01M

Operating Income

$426.47M

EBITDA

$490.77M

Operating Cash Flow

$438.40M

Capital Expenditure

-$15.72M

Free Cash Flow

$422.69M

Cash & ST Invst.

$3.46B

Total Debt

$2.89B

Provident Financial Services Performance Analysis

Provident Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 553,297,00013.2%
20232023-12-31USD 695,523,00025.7%
20242024-12-31USD 1,139,786,00063.9%
20252025-12-31USD 1,382,788,00021.3%
Provident Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.3%
Q32025-09-303.0%
Q42025-12-31-0.2%
Q12026-03-31-1.9%
Provident Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.357.1%
20232023-12-31USD 1.71-27.0%
20242024-12-31USD 1.05-38.6%
20252025-12-31USD 2.23111.9%
Provident Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3012.2%
Q32025-09-30N/A
Q42025-12-3116.4%
Q12026-03-31-4.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$346.52M

+4.3%

Gross Profit

$227.31M

+9.2%

Gross Margin

65.60%

N/A

Market Cap

$3.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.67M

N/A

Employees

1,866

N/A

Net Income

$79.42M

+24.0%

EBITDA

$125.67M

+15.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$3.46B

+11.2%

Total Debt

$2.89B

+5.7%

Accounts Receivable

$97.73M

+6.5%

Inventory

$0.00

N/A

Long Term Debt

$2.80B

+6.6%

Short Term Debt

$95.14M

-16.6%

Return on Assets

1.22%

N/A

Return on Invested Capital

7.16%

N/A

Free Cash Flow

$80.96M

-7.3%

Operating Cash Flow

$84.65M

-4.4%

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Questions About PFS

What is the current price of Provident Financial Services?

Provident Financial Services is trading at $23.86 per share.

What is the 52-week range for Provident Financial Services?

Over the past 52 weeks, Provident Financial Services has traded between $17.61 and $24.56.

How much debt does Provident Financial Services have?

As of the most recent reporting period, Provident Financial Services reported total debt of $2.95B.

How much cash does Provident Financial Services have on hand?

Provident Financial Services does not have cash on hand data available.

What is Provident Financial Services’s dividend yield?

Provident Financial Services currently has a dividend yield of 4.02%.

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