Provident Financial Services Inc (PFS)
Provident Financial Services Inc brought in $77.5M of revenue over the twelve months to September 30, 2026, up 8.5% from a year earlier. Net income was $310.2M, a net margin of 400.0%. Operating cash flow minus capital spending left $430.7M of free cash flow in fiscal 2025. At September 30, 2026 it held $266M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Provident Financial Services Inc
- Net worth
- Provident Financial Services Inc has a market value (market cap) of $3B at the latest share price, and shareholders' equity of $2.9B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $442.3M of cash; after $11.5M of capital spending, free cash flow was $430.7M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Provident Financial Services Inc's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Provident Financial Services Inc paid dividends of $0.96 per share in fiscal 2025, a yield of 4.15% at the current price.
What Provident Financial Services Inc does
Provident Financial Services Inc is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NYSE under the ticker PFS.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $73.1M | $291.2M | $2.23 | $430.7M |
| 2024 | $68.3M | $115.5M | $1.05 | $425.1M |
| 2023 | $57.5M | $128.4M | $1.71 | $165.9M |
| 2022 | $55M | $175.6M | $2.35 | $190.9M |
| 2021 | $57.6M | $167.9M | $2.19 | $143M |
| 2020 | $45.5M | $97M | $1.39 | $90.5M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where PFS ranks in Finance
Dividends
Provident Financial Services Inc paid $0.96 per share in fiscal 2025. At the current price that is a yield of 4.15%. It paid out $125.9M in cash dividends, 43% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.96 | $125.9M | 43% |
| 2024 | $0.96 | $101M | 87% |
| 2023 | $0.96 | $72.4M | 56% |
| 2022 | $0.96 | $72M | 41% |
| 2021 | $0.92 | $71.5M | 43% |
| 2020 | $0.92 | $65.8M | 68% |
Latest SEC filings
What Provident Financial Services Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 7.4% to $19.1M versus the same quarter last year; diluted EPS $0.53 versus $0.55.
- November 2, 2026
- October 30, 2026
- October 29, 2026
- October 29, 2026
- August 24, 2026Other event 8-K
- August 14, 2026
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 7.5% to $19.6M versus the same quarter last year; diluted EPS $0.60 versus $0.55.
- August 4, 2026
- July 30, 2026
What is PFS worth? A DCF from its reported cash flow
Insider trades
What the people running Provident Financial Services Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $1.9M worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 14, 2026 | Christy James A.EVP, CRO of Provident Bank | Sold | 3,000 | $70.1K |
| September 1, 2026 | Shara ThomasDirector | Soldindirect | 40,266 | $928.5K |
| August 31, 2026 | Shara ThomasDirector | Soldindirect | 15,900 | $370.5K |
| August 18, 2026 | Giannola VitoEVP & CRBO of provident Bank | Sold | 20,000 | $487.2K |
| August 7, 2026 | Regan Michael EdwardDirector | Received as pay | 3,066 | - |
| June 12, 2026 | Lista GeorgePres/CEO Prov Protection Plus | Sold | 3,528 | $82.6K |
| May 26, 2026 | Shara ThomasExecutive Vice Chairman, Director | Received as pay | 4,012 | - |
| May 26, 2026 | Leppert Edward JDirector | Received as pay | 4,012 | - |
Who owns PFS
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Portfolio Management13G, passive | 6.24% | April 29, 2026 |
| Vanguard Capital Management13G, passive | 5.03% | April 30, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 315 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 19,244,342 | -78,760 |
| Vanguard Portfolio Management LLC | 8,233,317 | +168,607 |
| Dimensional Fund Advisors LP | 8,173,769 | +103,035 |
| State Street Corp | 8,044,048 | +762,432 |
| Vanguard Capital Management LLC | 5,644,266 | +35,332 |
| American Century Companies Inc | 4,291,092 | +704,900 |
| Geode Capital Management, LLC | 3,492,733 | +171,226 |
| Wellington Management Group Llp | 3,101,027 | -2,685,628 |
| Millennium Management LLC | 2,296,256 | +2,254,968 |
| Assenagon Asset Management S.A. | 1,997,124 | +1,062,813 |
| Systematic Financial Management LP | 1,871,847 | -84,901 |
| Charles Schwab Investment Management Inc | 1,617,668 | +2,984 |
| Bank of New York Mellon Corp | 1,561,575 | +30,394 |
| Northern Trust Corp | 1,520,189 | +158,756 |
| Morgan Stanley | 1,248,945 | +22,822 |
| Jpmorgan Chase & Co | 991,376 | +44,751 |
| Bridgeway Capital Management, LLC | 984,585 | +31,573 |
| Victory Capital Management Inc | 943,213 | +235,197 |
| Nuveen, LLC | 927,908 | +5,974 |
| Goldman Sachs Group Inc | 915,473 | -14,960 |
Insiders
24 insiders reported holding 2,955,402 shares in total, about $68.4M at the last price.
| Holder | Shares |
|---|---|
| Martin Christopher PExecutive Chairman, Director | 600,000 |
| Labozzetta Anthony JPresident and CEO, Director | 578,958 |
| Shara ThomasExecutive Vice Chairman, Director | 474,564382,911 held indirectly |
| Lyons Thomas MSEVP and CFO | 240,438 |
| Lista GeorgePres/CEO Prov Protection Plus | 105,734 |
| Nigro James M.EVP and Chief Credit Officer | 100,982 |
| Pugliese JohnDirector | 91,919 |
| Leppert Edward JDirector | 87,649 |
| Murray Valerie OEVP & Chief Wealth Mgmt Off | 75,022 |
| Harding Matthew K.Director | 73,623 |
Questions about PFS
What does Provident Financial Services Inc do?
Provident Financial Services Inc is a company in the Finance sector, listed on NYSE as PFS. Its shares trade on NYSE under the ticker PFS.
What is Provident Financial Services Inc's net worth?
Provident Financial Services Inc has a market value (market cap) of $3B at the latest share price, and shareholders' equity of $2.9B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Provident Financial Services Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $310.2M on revenue of $77.5M, a net margin of 400.0%.
How much revenue does Provident Financial Services Inc make?
Over the twelve months to September 30, 2026 Provident Financial Services Inc reported revenue of $77.5M. That is 8.5% more than a year earlier.
When did Provident Financial Services Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is Provident Financial Services Inc's next earnings report?
Provident Financial Services Inc's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Provident Financial Services Inc pay a dividend?
Yes. Provident Financial Services Inc paid dividends of $0.96 per share in fiscal 2025, a yield of 4.15% at the current price.
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Where the numbers come from
Financial figures are the values Provident Financial Services Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.