Provident Financial Services, Inc. (PFS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 193.74M | 197.41M | 194.33M | 187.09M | 181.73M | 181.74M | 183.7M | 141.51M | 93.67M | 95.79M | 96.24M | 99.11M | 108.32M | 114.06M | 109.49M | 99.47M | 94.53M | 93.89M | 91.23M | 90.91M |
| NII Growth % | 6.61% | 8.62% | 5.79% | 32.22% | 94.01% | 89.73% | 90.89% | 42.78% | -13.53% | -16.02% | -12.1% | -0.37% | 14.6% | 21.48% | 20.02% | 9.43% | 5.03% | 5.81% | 11.27% | 30.18% |
| Net Interest Margin % | 0.77% | 0.79% | 0.78% | 0.76% | 0.75% | 0.76% | 0.76% | 0.59% | 0.66% | 0.67% | 0.68% | 0.71% | 0.79% | 0.83% | 0.8% | 0.73% | 0.69% | 0.68% | 0.68% | 0.69% |
| Interest Income | 315.07M | 324.84M | 326.28M | 316.31M | 305.35M | 311.95M | 322.52M | 247.81M | 163.86M | 164.17M | 158.2M | 149.9M | 143.56M | 137.18M | 121.73M | 106.28M | 100.99M | 101.67M | 99.59M | 100.54M |
| Interest Expense | 121.32M | 127.43M | 131.95M | 129.21M | 123.62M | 130.21M | 138.82M | 106.31M | 70.19M | 68.38M | 61.96M | 50.79M | 35.23M | 23.11M | 12.24M | 6.81M | 6.46M | 7.78M | 8.37M | 9.64M |
| Loan Loss Provision | -2.12M | -1.21M | 7.04M | -2.89M | 638K | 8.88M | 9.3M | 69.7M | -320K | -863K | 12.54M | 9.75M | 6.74M | 1.79M | 9.99M | 2.02M | -8.79M | -243K | 1.95M | -8.65M |
| Non-Interest Income | 31.45M | 28.31M | 27.42M | 27.07M | 27.03M | -16.19M | -4.28M | 22.27M | 20.71M | 18.97M | 19.32M | 19.39M | 22.15M | 18.27M | 28.45M | 20.93M | 20.15M | 20.66M | 23.36M | 21.16M |
| Non-Interest Income % | 9.08% | 8.02% | 7.75% | 7.88% | 8.13% | -5.48% | -1.34% | 8.25% | 11.22% | 10.36% | 10.88% | 11.45% | 13.37% | 11.75% | 18.94% | 16.45% | 16.63% | 16.89% | 19% | 17.38% |
| Total Revenue | 346.52M | 353.15M | 353.7M | 343.38M | 332.38M | 295.75M | 318.24M | 270.09M | 184.57M | 183.14M | 177.52M | 169.28M | 165.71M | 155.44M | 150.18M | 127.22M | 121.14M | 122.32M | 122.96M | 121.7M |
| Revenue Growth % | 4.26% | 19.41% | 11.14% | 27.14% | 80.08% | 61.49% | 79.27% | 59.55% | 11.38% | 17.82% | 18.21% | 33.07% | 36.79% | 27.07% | 22.14% | 4.53% | -0.84% | 1.43% | 7.78% | 26.9% |
| Non-Interest Expense | 117.14M | 114.69M | 113.09M | 114.61M | 116.27M | 93.95M | 104.87M | 115.39M | 71.83M | 75.85M | 65.63M | 65.11M | 68.75M | 63.27M | 67.87M | 64.82M | 64.28M | 62.7M | 62.46M | 60.65M |
| Efficiency Ratio | 33.81% | 32.48% | 31.97% | 33.38% | 34.98% | 31.77% | 32.95% | 42.72% | 38.92% | 41.42% | 36.97% | 38.46% | 41.49% | 40.7% | 45.19% | 50.95% | 53.06% | 51.26% | 50.8% | 49.83% |
| Operating Income | 110.17M | 112.25M | 101.61M | 102.44M | 91.85M | 62.71M | 65.25M | -21.32M | 42.97M | 39.77M | 37.39M | 43.63M | 54.99M | 67.27M | 60.08M | 53.56M | 59.19M | 52.08M | 50.18M | 60.07M |
| Operating Margin % | 31.79% | 31.78% | 28.73% | 29.83% | 27.64% | 21.2% | 20.5% | -7.89% | 23.28% | 21.71% | 21.06% | 25.78% | 33.18% | 43.28% | 40.01% | 42.11% | 48.86% | 42.58% | 40.81% | 49.36% |
| Operating Income Growth % | 19.94% | 78.99% | 55.72% | 580.55% | 113.76% | 57.69% | 74.53% | -148.86% | -21.86% | -40.88% | -37.76% | -18.54% | -7.1% | 29.16% | 19.72% | -10.82% | -8.63% | -1.57% | 37.75% | 233.22% |
| Pretax Income | 110.17M | 112.25M | 101.61M | 102.44M | 91.85M | 62.71M | 65.25M | -21.32M | 42.97M | 39.77M | 37.39M | 43.63M | 54.99M | 67.27M | 60.08M | 53.56M | 59.19M | 52.08M | 50.18M | 60.07M |
| Pretax Margin % | 31.79% | 31.78% | 28.73% | 29.83% | 27.64% | 21.2% | 20.5% | -7.89% | 23.28% | 21.71% | 21.06% | 25.78% | 33.18% | 43.28% | 40.01% | 42.11% | 48.86% | 42.58% | 40.81% | 49.36% |
| Income Tax | 30.75M | 28.81M | 29.89M | 30.46M | 27.82M | 14.19M | 18.85M | -9.83M | 10.89M | 12.46M | 8.84M | 11.63M | 14.45M | 18.23M | 16.66M | 14.34M | 15.23M | 14.78M | 12.91M | 15.28M |
| Effective Tax Rate % | 27.91% | 25.67% | 29.42% | 29.74% | 30.29% | 22.62% | 28.89% | 46.13% | 25.34% | 31.32% | 23.65% | 26.65% | 26.28% | 27.11% | 27.73% | 26.77% | 25.73% | 28.38% | 25.73% | 25.43% |
| Net Income | 79.42M | 83.43M | 71.72M | 71.98M | 64.03M | 48.52M | 46.41M | -11.48M | 32.08M | 27.31M | 28.55M | 32M | 40.54M | 49.03M | 43.42M | 39.23M | 43.96M | 37.3M | 37.27M | 44.79M |
| Net Margin % | 22.92% | 23.62% | 20.28% | 20.96% | 19.26% | 16.41% | 14.58% | -4.25% | 17.38% | 14.91% | 16.08% | 18.91% | 24.46% | 31.55% | 28.91% | 30.84% | 36.29% | 30.5% | 30.31% | 36.8% |
| Net Income Growth % | 24.03% | 71.94% | 54.55% | 726.74% | 99.58% | 77.67% | 62.56% | -135.89% | -20.86% | -44.3% | -34.26% | -18.42% | -7.79% | 31.45% | 16.51% | -12.42% | -9.47% | -8.05% | 37.3% | 212.97% |
| Net Income (Continuing) | 79.42M | 83.43M | 71.72M | 71.98M | 64.03M | 48.52M | 46.4M | -11.48M | 32.08M | 27.31M | 28.55M | 32M | 40.54M | 49.03M | 43.42M | 39.23M | 43.96M | 37.3M | 37.27M | 44.79M |
| EPS (Diluted) | 0.61 | 0.64 | 0.55 | 0.55 | 0.49 | 0.37 | 0.36 | -0.11 | 0.43 | 0.36 | 0.38 | 0.43 | 0.54 | 0.66 | 0.58 | 0.53 | 0.58 | 0.49 | 0.49 | 0.58 |
| EPS Growth % | 24.49% | 72.97% | 52.78% | 600% | 13.95% | 2.78% | -5.26% | -125.58% | -20.37% | -45.45% | -34.48% | -18.87% | -6.9% | 34.69% | 18.37% | -8.62% | -7.94% | -7.55% | 32.43% | 163.64% |
| EPS (Basic) | 0.61 | 0.64 | 0.55 | 0.55 | 0.49 | 0.37 | 0.36 | -0.11 | 0.43 | 0.36 | 0.38 | 0.43 | 0.54 | 0.66 | 0.58 | 0.53 | 0.58 | 0.49 | 0.49 | 0.58 |
| Diluted Shares Outstanding | 130.59M | 130.59M | 130.48M | 130.44M | 130.38M | 130.16M | 130M | 102.96M | 75.28M | 75.04M | 74.91M | 74.83M | 74.7M | 74.44M | 74.39M | 74.4M | 75.91M | 76.23M | 76.69M | 76.75M |