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Provident Financial Services, Inc.

NYSE•PFS
執行長: Mr. Christopher P. Martin
板塊: Financial Services
行業: 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.
聯絡資訊
239 Washington Street, Jersey City, NJ, 07302, United States
732-590-9200
www.provident.bank
市值
$2.81B
本益比 (TTM)
9.7
14.1
股息率
4.5%
52周最高
$23.98
52周最低
$14.34
52周範圍
75%
排名39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
一般 • 4.2 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$353.15M+19.41%
近4季度走勢

每股收益

$0.64+72.97%
近4季度走勢

自由現金流

$62.46M-100.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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%

毛利率 (最新季度)

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

關鍵指標

股票代碼
市值
本益比 (TTM)
股東權益報酬率 (TTM)
負債率
WAL$8.98B9.113.3%7.2%
BOH$3.12B15.111.6%0.4%
PRK$3.02B14.913.7%0.8%

長期趨勢

近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
2.0%
溫和增長
4季度淨利複合增長率
9.2%
盈利能力逐步提升
現金流穩定性
100%
現金流表現優異

深度研究

下次財報:2026年4月22日
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