Provident Financial Services, Inc.
NYSE•PFS
CEO: Mr. Christopher P. Martin
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
市值
$2.81B
市盈率 (TTM)
9.7
14.1
股息率
4.5%
52周最高
$23.98
52周最低
$14.34
52周范围
排名39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4.2 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$353.15M+19.41%
近4季度走势
每股收益
$0.64+72.97%
近4季度走势
自由现金流
$62.46M-100.00%
近4季度走势
2025 Annual 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$5.29B
$1.39B
$1.38B
毛利率 (最新季度)
83.5%
81.1%
76.1%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| WAL | $8.98B | 9.1 | 13.3% | 7.2% |
| BOH | $3.12B | 15.1 | 11.6% | 0.4% |
| PRK | $3.02B | 14.9 | 13.7% | 0.8% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
2.0%
温和增长
4季度净利润复合增长率
9.2%
盈利能力稳步提升
现金流稳定性
100%
现金流表现优异
深度研究
下次财报:2026年4月22日
每股收益:-
|营业收入:-
财务数据
电话会议
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新闻
利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
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