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PFSProvident Financial Services, Inc.
$23.61$3.1B
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PFS logoProvident Financial Services, Inc.(PFS)Earnings, Financials & Key Ratios

PFS•NYSE•Banking & Credit
$23.61
10.6× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutProvident 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. The company's deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. Its loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. The company also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, it provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, the company sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. As of December 31, 2021, it operated 96 full-service branch offices in northern and central New Jersey, as well as in Pennsylvania and New York counties. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.Show more
  • Net Interest Income$761M+26.6%
  • Total Revenue$1.38B+21.3%
  • Net Income$291M+152.0%
  • Return on Equity10.72%+99.0%
  • Net Interest Margin3.04%+21.9%
  • Efficiency Ratio33.17%-17.3%
  • ROA1.19%+96.7%
  • Equity / Assets11.34%+4.9%
  • Book Value per Share21.71-8.4%

PFS Price & Volume

Provident Financial Services, Inc. (PFS) stock price & volume — 10-year historical chart

Loading chart...

Merger Synergies Drive Provident Financial Scale Expansion

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE Concentration and Integration

Key Thesis Takeaways

  • Provident Financial Services has successfully scaled its operations through the integration of Lakeland Bancorp, growing total assets from $14.1 billion in 2024Q1 to $25.2 billion by 2026Q1.
  • While operational efficiency has improved with the efficiency ratio tightening to 33.8% in 2026Q1, the bank remains sensitive to regional commercial real estate volatility.
  • Investors should monitor the sustainability of the 4.1% dividend yield against the backdrop of potential credit provisioning fluctuations inherent in the current CECL framework.

Verdict Logic

while the forward P/E of 10.00 and 4.1% dividend yield offer value, the concentration in Tri-State commercial real estate warrants caution given the historical volatility in loan loss provisions.

PFS Growth Metrics

Provident Financial Services, Inc. (PFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.83%
5 Years25.98%
3 Years35.65%
TTM-

Profit CAGR

10 Years13.27%
5 Years24.6%
3 Years18.35%
TTM107.87%

EPS CAGR

10 Years5.3%
5 Years9.92%
3 Years-1.73%
TTM111.71%

Return on Capital

10 Years5.78%
5 Years6.64%
3 Years5.31%
Last Year7.53%

PFS Recent Earnings

Provident Financial Services, Inc. (PFS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 29, 2026
Metric
Actual
Est
EPS
$0.61+10.9%
$0.55
Rev
$225M-0.2%
$226M
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.64+14.3%
$0.56
Rev
$225M+0.4%
$224M
Q4 2025
Oct 29, 2025
Metric
Actual
Est
EPS
$0.55+1.3%
$0.54
Rev
$222M+0.5%
$221M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.55+10.8%
$0.50
Rev
$214M-3.0%
$221M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.61vs $0.55+10.9%
$225Mvs $226M-0.2%
Q1 2026Jan 27, 2026
$0.64vs $0.56+14.3%
$225Mvs $224M+0.4%
Q4 2025Oct 29, 2025
$0.55vs $0.54+1.3%
$222Mvs $221M+0.5%
Q3 2025Jul 24, 2025
$0.55vs $0.50+10.8%
$214Mvs $221M-3.0%
Based on last 12 quarters of dataView full earnings history →

Latest PFS News

Recent stock market news and headlines for Provident Financial Services, Inc. (PFS)

Newsfile Corp·Jun 25, 2026
Tartisan Nickel Corp. Retains Tetra Tech to Complete PFS Gap Analysis for the Kenbridge Nickel-Copper Project, Northwestern Ontario

Toronto, Ontario--(Newsfile Corp. - June 25, 2026) - Tartisan Nickel Corp. (CSE: TN) (OTCQX: TTSRF) (FSE: 8TA) ("Tartisan", or the "Company") is pleased to announce that it has engaged Tetra Tech⁠ Canada Inc. (Tetra Tech) to conduct an independent review of the existing Preliminary Economic Assessment (PEA) for the Kenbridge Nickel-Copper-Cobalt Project and deliver a structured Goal-Actual-Plan Analysis (GAP) identifying the technical, commercial, and compliance work required to advance the Kenbridge Project to the Pre-Feasibility Study (PFS) level. The Tetra Tech Team will preform a PFS GAP Analysis and prepare a Technical Memorandum for Tartisan's Internal use that includes the outcomes of the following services: Assess the quality, completeness and assumptions of the current PEA Identify gaps relative to PFS requirements (technical, data, and test work) Prioritise gaps and recommend a staged work program with cost/time estimates to close them.

GuruFocus·Jun 24, 2026
FDA Approves Pfizer's IBRANCE Regimen for HR+, HER2+ Metastatic Breast Cancer Frontline Maintenance

Pfizer Inc. (NYSE: PFE) today announced the U.S. Food and Drug Administration (FDA) approved IBRANCEÂ (palbociclib) in combination with trastuzumab, with or w

GuruFocus·Jun 24, 2026
American Ocean Minerals Announces Successful Completion of MV Anuanua Moana Expedition 7, Advancing Deep-Sea Environmental Baseline Research in the Cook Islands

Today, American Ocean Minerals Corporation (AOMC) announced the successful completion of Expedition 7, a research campaign designed to support the environmenta

GlobeNewsWire·Jun 23, 2026
Provident Bank Appoints Adriano Duarte EVP and Chief Financial Officer

ISELIN, N.J., June 23, 2026 (GLOBE NEWSWIRE) -- Provident Bank, a leading New Jersey-based financial institution, announced today the appointment of Adriano Duarte to Executive Vice President and Chief Financial Officer of Provident Bank and Provident Financial Services, Inc. (NYSE: PFS), effective July 1, 2026.

GuruFocus·Jun 23, 2026
AbbVie Announces European Commission Approval of SKYRIZI® (risankizumab) for the Treatment of Pediatric Patients with Moderate to Severe Plaque Psoriasis

AbbVie Announces European Commission Approval of SKYRIZIÂ (risankizumab) for the Treatment of Pediatric Patients with Moderate to Severe Plaqu

Peers Comparison

Key metrics vs top competitors for Provident Financial Services, Inc. (PFS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PFS logoPFSProvident Financial Services, Inc.Current
$23.61$3.08B10.5921.25%21.06%10.72%4.09%
NBTB logoNBTBNBT Bancorp Inc.
$50.16$2.61B15.0610.36%19.66%9.83%—
WSFS logoWSFSWSFS Financial Corporation
$77.91$4.05B15.31-3.05%22.64%11.38%—
OCFC logoOCFCOceanFirst Financial Corp.
$19.05$1.1B16.28-4.7%10.55%4.22%—
KRNY logoKRNYKearny Financial Corp.
$9.41$592.2M22.405.09%10.39%4.75%—
NFBK logoNFBKNorthfield Bancorp, Inc.
$14.81$618.52M747.98-26.69%1.79%0.68%—

Compare PFS vs Peers

Provident Financial Services, Inc. (PFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for PFS.

Scale Benchmark

vs ICE

Larger-name benchmark to compare PFS against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, WSFS, OCFC, KRNY

PFS SEC Filings & Documents

Provident Financial Services, Inc. (PFS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 4, 2026·SEC

Material company update

May 26, 2026·SEC

Material company update

May 22, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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PFS Frequently Asked Questions

Provident Financial Services, Inc. (PFS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Provident Financial Services, Inc. growing?

Provident Financial Services, Inc. (PFS) grew revenue by 21.3% over the past year. This is strong growth.

Is PFS profitable?

Yes, Provident Financial Services, Inc. (PFS) is profitable, generating $306.5M in net income for fiscal year 2025 (21.1% net margin).

Dividend & Returns
Does PFS pay dividends?

Yes, Provident Financial Services, Inc. (PFS) pays a dividend with a yield of 4.09%. This makes it attractive for income-focused investors.

What is PFS's return on equity?

Provident Financial Services, Inc. (PFS) has a return on equity (ROE) of 10.7%. This is reasonable for most industries.

Industry Metrics
What is Provident Financial Services, Inc.'s net interest margin?

Provident Financial Services, Inc. (PFS) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.

What is Provident Financial Services, Inc.'s efficiency ratio?

Provident Financial Services, Inc. (PFS) has an efficiency ratio of 33.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PFS back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

See returns →