Provident Financial Services, Inc.
NYSE•PFS
CEO: Mr. Christopher P. Martin
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
時価総額
$2.66B
PER (TTM)
9.1
13.4
配当利回り
4.7%
52週高値
$23.98
52週安値
$14.34
52週レンジ
順位39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$353.15M+19.41%
直近4四半期の推移
EPS
$0.64+72.97%
直近4四半期の推移
フリーCF
$62.46M-100.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
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.
リスク要因
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.
見通し
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.
同業比較
売上高 (TTM)
$5.29B
$1.39B
$1.38B
粗利益率 (最新四半期)
83.5%
81.1%
76.1%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| WAL | $7.48B | 7.6 | 13.3% | 7.0% |
| BOH | $2.91B | 14.1 | 11.6% | 0.4% |
| PRK | $2.82B | 13.9 | 13.7% | 1.0% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.0%
緩やかな成長
4四半期純利益CAGR
9.2%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月22日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし