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Provident Financial Services, Inc.

NYSE•PFS
CEO: Mr. Christopher P. Martin
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2003-01-16
Provident 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. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, retail and industrial properties, and office buildings; 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, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning. Further, it 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. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.
Contact Information
239 Washington Street, Jersey City, NJ, 07302, United States
732-590-9200
www.provident.bank
Market Cap
$2.81B
P/E (TTM)
9.6
14.5
Dividend Yield
4.5%
52W High
$23.98
52W Low
$14.34
52W Range
74%
Rank39Top 39.1%
4.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$353.15M+19.41%
4-Quarter Trend

EPS

$0.64+72.97%
4-Quarter Trend

FCF

$62.46M-100.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Surge Post-Merger Net income reached $291.2M in 2025, significantly up from $115.5M in 2024, reflecting full-year scale post-Lakeland merger integration.
Net Interest Margin Improvement NIM increased 13 basis points to 3.39% in 2025, driven by asset growth and favorable funding rate repricing dynamics.
Loan Portfolio Expansion Total gross loans held for investment grew to $19.52B by year-end 2025, supported by strong loan fundings of $10.11B during the year.
Strong Capital Position Maintained Bank's CET1 ratio stood at 12.15% and Tier 1 Leverage at 10.38% as of December 31, 2025, well above minimum requirements.

Risk Factors

Credit Quality Monitoring Required Non-performing loans rose slightly to $78.4M (0.40% of loans); commercial mortgage NPLs increased $6.0M to $26.9M.
Interest Rate Risk Exposure Sensitivity analysis shows a potential 1.8% decrease in NII if rates rise 200 basis points over twelve months.
Regulatory Compliance Costs Increased supervision due to exceeding $10B asset threshold results in higher operating costs and compliance burdens.
Merger Integration Hurdles Continued application of post-merger regulatory conditions regarding capital ratios and CRE concentrations for three years.

Outlook

Focus on Core Deposit Retention Strategy emphasizes retaining core deposits, which represented 82.9% of total deposits at year-end 2025.
Managing CRE Concentration CRE Loans equaled 432.1% of total risk-based capital, elevating regulatory oversight and requiring significant management attention.
Technology Investment Necessary Significant costs expected in 2026 for core system integration conversion to FIS IBS platform, impacting near-term earnings.
Asset Quality Vigilance Continues Management remains focused on conservative underwriting and proactive monitoring given inherent risks in commercial real estate lending.

Peer Comparison

Revenue (TTM)

WAL stock ticker logoWAL
$5.29B
+5.6%
WAFD stock ticker logoWAFD
$1.39B
-6.7%
PFS stock ticker logoPFS
$1.38B
+29.4%

Gross Margin (Latest Quarter)

PRK stock ticker logoPRK
83.5%
+4.2pp
CVBF stock ticker logoCVBF
81.1%
+23.7pp
BANR stock ticker logoBANR
76.1%
+3.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
WAL$8.96B9.113.3%7.2%
BOH$3.11B15.011.6%0.4%
PRK$3.05B15.113.7%0.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.0%
Moderate Growth
4Q Net Income CAGR
9.2%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 22, 2026
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