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First Capital vs Provident Financial Services: revenue, profit, margins and growth compared

First Capital brought in $7.2M of revenue in fiscal 2025, Provident Financial Services $73.1M in fiscal 2025. Revenue changed by +1.6% at First Capital and +7.1% at Provident Financial Services on the year before, so Provident Financial Services grew faster. First Capital kept 228.3% of its revenue as net profit, Provident Financial Services 398.3%. Free cash flow was $19.9M at First Capital and $430.7M at Provident Financial Services.

Side by side, latest fiscal year

FCAPPFS
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$7.2M$73.1M
Revenue growth+1.6%+7.1%
Net income$16.4M$291.2M
Net margin228.3%398.3%
Free cash flow$19.9M$430.7M
Free cash flow margin278.0%589.2%
Earnings per share (diluted)$4.89$2.23
Cashn/a$209.1M
Debtn/an/a
Price to earnings12.310.2
Market value$201.6M$3B
Dividend yield1.99%4.20%
Rank by revenue in sector#411 of 444 · Finance#341 of 444 · Finance

Over the years

Revenue
FCAP FY2018: $5.3MFCAP FY2019: $5.5MFCAP FY2020: $5.8MFCAP FY2021: $6.4MFCAP FY2022: $7.1MFCAP FY2023: $7MFCAP FY2024: $7.1MFCAP FY2025: $7.2MPFS FY2018: $37.3MPFS FY2019: $41.4MPFS FY2020: $45.5MPFS FY2021: $57.6MPFS FY2022: $55MPFS FY2023: $57.5MPFS FY2024: $68.3MPFS FY2025: $73.1MFY18FY19FY20FY21FY22FY23FY24FY25
FCAP $7.2MPFS $73.1M
Net income
FCAP FY2018: $9.3MFCAP FY2019: $10.3MFCAP FY2020: $10.1MFCAP FY2021: $11.4MFCAP FY2022: $11.9MFCAP FY2023: $12.8MFCAP FY2024: $11.9MFCAP FY2025: $16.4MPFS FY2018: $118.4MPFS FY2019: $112.6MPFS FY2020: $97MPFS FY2021: $167.9MPFS FY2022: $175.6MPFS FY2023: $128.4MPFS FY2024: $115.5MPFS FY2025: $291.2MFY18FY19FY20FY21FY22FY23FY24FY25
FCAP $16.4MPFS $291.2M
Net margin
FCAP FY2018: 176.1%FCAP FY2019: 186.8%FCAP FY2020: 175.9%FCAP FY2021: 177.2%FCAP FY2022: 166.6%FCAP FY2023: 182.5%FCAP FY2024: 169.1%FCAP FY2025: 228.3%PFS FY2018: 317.5%PFS FY2019: 272.4%PFS FY2020: 212.9%PFS FY2021: 291.7%PFS FY2022: 319.4%PFS FY2023: 223.2%PFS FY2024: 169.2%PFS FY2025: 398.3%FY18FY19FY20FY21FY22FY23FY24FY25
FCAP 228.3%PFS 398.3%
Revenue growth
FCAP FY2019: +5.2%FCAP FY2020: +4.2%FCAP FY2021: +11.9%FCAP FY2022: +10.8%FCAP FY2023: -1.9%FCAP FY2024: +0.7%FCAP FY2025: +1.6%PFS FY2019: +10.9%PFS FY2020: +10.1%PFS FY2021: +26.4%PFS FY2022: -4.5%PFS FY2023: +4.6%PFS FY2024: +18.7%PFS FY2025: +7.1%FY19FY20FY21FY22FY23FY24FY25
FCAP +1.6%PFS +7.1%
Free cash flow
FCAP FY2018: $12.9MFCAP FY2019: $11.1MFCAP FY2020: $11.5MFCAP FY2021: $21.3MFCAP FY2022: $16.1MFCAP FY2023: $13.5MFCAP FY2024: $21.6MFCAP FY2025: $19.9MPFS FY2018: $152.6MPFS FY2019: $132MPFS FY2020: $90.5MPFS FY2021: $143MPFS FY2022: $190.9MPFS FY2023: $165.9MPFS FY2024: $425.1MPFS FY2025: $430.7MFY18FY19FY20FY21FY22FY23FY24FY25
FCAP $19.9MPFS $430.7M

Fiscal years as each company reports them; the two may end in different months.

Questions about First Capital and Provident Financial Services

Which is bigger by revenue, First Capital or Provident Financial Services?

Provident Financial Services is bigger by revenue: $73.1M in fiscal 2025, against $7.2M for First Capital in fiscal 2025.

Which keeps more of its revenue as profit, First Capital or Provident Financial Services?

First Capital had a net margin of 228.3% in fiscal 2025; Provident Financial Services had 398.3% in fiscal 2025.

Which grew revenue faster, First Capital or Provident Financial Services?

In their latest fiscal years revenue changed by +1.6% at First Capital and +7.1% at Provident Financial Services.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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