PROVIDENT FINANCIAL SERVICES INC

PFS

PROVIDENT FINANCIAL SERVICES INC

PFS

Insider Sentiment (TTM):

Last Purchase:2025-03-13Last Sale:2026-06-12Shares Purchased (TTM):0Shares Sold (TTM):49,572.88

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:94,302,809Shares Outstanding:130,511,676Institutional Ownership Pct.:72.26%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	-	-	211	302	259	234	206	244	291	158	180	189
Cash Equivalents At Carrying Value	-	-	-	-	-	-	0	0	0	0	0	1
Cash And Cash Equivalents At Carrying Value	228	222	211	-	259	234	206	244	291	158	180	189
Debt Securities Available For Sale Excluding Accru…	3,286	3,240	3,165	3,141	3,020	2,879	2,769	2,725	2,627	1,666	1,690	1,656
Debt Securities Held To Maturity Excluding Accrued…	266	268	282	292	309	314	328	332	351	355	363	370
Equity Securities Fv Ni	20	20	20	20	19	19	19	20	19	1	1	1
Federal Home Loan Bank Stock And Federal Reserve B…	-	-	116	-	-	-	113	-	-	-	79	-
Federal Home Loan Bank Stock	131	133	-	120	127	127	-	96	100	78	79	101
Loans Receivable Held For Sale Amount	5	8	15	14	7	150	162	6	4	-	2	-
Financing Receivable Excluding Accrued Interest Be…	-	19,648	19,504	19,286	19,105	18,791	18,659	18,795	18,759	10,843	10,872	10,668
Financing Receivable Allowance For Credit Loss Exc…	-	177	185	187	188	192	193	191	188	106	107	108
Financing Receivable Excluding Accrued Interest Af…	-	19,478	19,334	19,113	18,924	18,750	18,628	18,609	18,575	10,736	10,767	10,560
Foreclosed Assets	1	2	2	2	1	7	9	10	11	11	12	16
Property Plant And Equipment Net	112	110	113	113	116	115	120	125	127	69	71	71
Interest Receivable	98	98	96	95	93	92	91	90	94	59	59	56
Intangible Assets Net Including Goodwill	765	774	782	791	800	810	819	839	852	457	458	459
Bank Owned Life Insurance	415	413	414	412	410	408	406	404	405	244	243	241
Other Assets	473	444	445	432	470	471	544	548	619	296	288	365
Assets	25,663	25,202	24,981	24,833	24,547	24,225	24,052	24,043	24,070	14,131	14,211	14,087
Liabilities And Stockhold…
Deposits
Liabilities
Demand Deposit Accounts	14,519	14,287	14,402	14,154	13,812	13,612	13,776	13,548	13,526	7,906	8,021	7,873
Deposits Savings Deposits	1,583	1,624	1,589	1,578	1,629	1,671	1,680	1,671	1,745	1,161	1,176	1,200
Time Deposits100000 Or More	966	943	930	886	842	768	789	800	872	224	219	700
Time Deposits Less Than100000	2,478	2,247	2,357	2,478	2,425	2,398	2,379	2,356	2,210	808	877	368
Deposits	19,545	19,100	19,279	19,096	18,709	18,449	18,624	18,376	18,353	10,099	10,293	10,141
Other Borrowings	2,408	2,483	2,112	2,209	2,375	2,336	2,020	2,215	2,302	2,058	1,970	2,022
Subordinated Debt	409	408	407	405	404	403	402	414	413	11	11	11
Other Liabilities	347	299	310	309	302	327	363	369	396	224	210	248
Liabilities	22,756	22,339	22,147	22,066	21,840	21,566	21,451	21,421	21,515	12,436	12,520	12,464
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	1,850	1,848	1,845	1,842	1,839	1,837	1,834	1,871	1,869	991	989	988
Retained Earnings Accumulated Deficit	1,250	1,202	1,154	1,102	1,062	1,021	989	973	958	988	975	965
Accumulated Other Comprehensive Income Loss Net Of…	-92	-86	-76	-87	-104	-110	-135	-93	-140	-152	-141	-195
Treasury Stock Value	-103	-102	-91	-91	-91	-90	-88	-129	-129	-129	-128	-128
Stockholders Equity	2,907	2,863	2,833	2,767	2,708	2,659	2,601	2,621	2,556	1,695	1,691	1,623
Liabilities And Stockholders Equity	25,663	25,202	24,981	24,833	24,547	24,225	24,052	24,043	24,070	14,131	14,211	14,087
Held To Maturity Securities Fair Value	-	-	-	-	-	-	-	-	333	341	353	343
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	-	-	0	-
Unearned E S O P Shares	-	-	-	-	-	-	0	-2	-3	-4	-5	-8
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Held In Trust	-	-	-	-	-	-	0	-2	-2	-3	-3	-3
Preferred Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	50
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Common Stock Shares Issued	138	138	138	138	138	138	138	138	138	83	138	83
Shares Outstanding	130	130	131	131	131	131	130	130	130	76	76	76

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.15%	6.70%	7.83%	-	-	-	-	-	-	-	-	-
2025	-1.58%	4.37%	12.21%	12.24%	10.93%	7.43%	6.17%	12.70%	13.97%	-3.56%	8.56%	3.12%
2024	7.22%	-11.40%	6.49%	13.42%	9.02%	11.10%	0.94%	-9.81%	-9.38%	-7.29%	-15.12%	-2.80%
2023	-	-	-	-6.46%	-15.42%	-22.11%	10.48%	22.65%	20.82%	0.34%	-2.17%	11.23%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.45	-0.45	-0.46	-0.52	-0.56	-0.37	-0.07	0.44	1.32	1.65	1.81	2.19
Per Share Metrics
Diluted EPS TTM	2.40	2.35	2.23	1.96	1.77	1.13	1.05	0.73	0.74	1.59	1.71	2.00
Free Cash Flow Per Share TTM	2.69	3.25	3.30	4.63	4.41	3.60	3.85	1.76	1.94	1.98	2.22	2.16
Dividend Per Share TTM	0.95	0.96	0.97	0.97	0.97	0.88	0.92	0.66	0.71	0.96	0.97	0.96
Margin Metrics
Gross Profit Margin TTM	60.97%	60.24%	59.76%	59.12%	58.45%	57.99%	57.41%	47.71%	46.48%	46.97%	50.90%	70.94%
Operating Profit Margin TTM	33.27%	33.25%	32.07%	28.46%	25.66%	16.71%	14.30%	14.10%	13.46%	25.74%	28.54%	34.52%
Net Profit Margin TTM	24.19%	23.90%	22.88%	20.34%	18.38%	12.42%	11.04%	10.50%	10.42%	18.86%	20.85%	25.50%
Growth Metrics
Net Revenue Growth (1Y)	2.92%	7.99%	21.66%	40.24%	71.12%	86.70%	69.88%	52.57%	32.89%	25.04%	32.10%	36.72%
Net Income Growth (1Y)	35.41%	107.87%	152.03%	171.70%	202.05%	22.95%	-10.03%	-37.18%	-53.66%	-30.36%	-26.90%	-8.41%
EPS Growth (1Y)	35.57%	107.57%	111.86%	170.53%	138.33%	-29.00%	-38.60%	-63.78%	-66.32%	-30.92%	-27.04%	-9.16%
Valuation Metrics
P/E TTM	9.76	8.83	8.58	9.40	9.36	14.15	16.49	23.28	17.36	8.08	9.14	6.53
P/B TTM	1.05	0.94	0.88	0.87	0.80	0.78	0.73	0.84	0.52	0.57	0.69	0.60
P/S TTM	2.36	2.11	1.96	1.91	1.72	1.76	1.82	2.44	1.81	1.52	1.91	1.67
Market Cap	3.05B	2.71B	2.50B	2.41B	2.16B	2.09B	1.90B	2.20B	1.33B	969.28M	1.17B	980.58M
Enterprise Value	2.82B	2.48B	2.29B	2.11B	1.90B	1.85B	1.70B	1.95B	1.04B	811.00M	993.91M	791.31M
Calculated Values
Free Cash Flow TTM	350.36M	424.31M	430.73M	604.43M	575.62M	468.58M	422.08M	229.01M	199.87M	149.33M	165.91M	162.09M
Net Debt	-228.29M	-222.08M	-209.06M	-301.61M	-258.93M	-234.08M	-205.94M	-244.02M	-290.49M	-158.28M	-180.26M	-189.27M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-12Sale

Owner: Lista, George

Title: Pres/CEO Prov Protection Plus

Shares: 3,528

Price/Share: $23.41

Value: $82,590.48

Shares Owned: 105,734

Relationship: Officer

Ownership: Direct

2026-05-08Sale

Owner: Lista, George

Title: Pres/CEO Prov Protection Plus

Shares: 2,556

Price/Share: $22.40

Value: $57,254.40

Shares Owned: 109,262

Relationship: Officer

Ownership: Direct

2026-02-26Sale

Owner: Mccracken, Robert E

Title: -

Shares: 6,177

Price/Share: $22.13

Value: $136,697.01

Shares Owned: 68,518

Relationship: Director

Ownership: Direct

2026-02-05Sale

Owner: Martin, Christopher P

Title: Executive Chairman

Shares: 1,050

Price/Share: $23.45

Value: $24,622.50

Shares Owned: 600,000

Relationship: Director,Officer

Ownership: Direct

2025-11-06Sale

Owner: Lista, George

Title: Pres/CEO Prov Protection Plus

Shares: 8,262

Price/Share: $18.35

Value: $151,605.50

Shares Owned: 108,656

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-12	Lista, George	Officer	Pres/CEO Prov Protection Plus	Direct	Sale	3,528	23.41	$82,590.48	105,734	4
2026-05-08	Lista, George	Officer	Pres/CEO Prov Protection Plus	Direct	Sale	2,556	22.40	$57,254.40	109,262	4
2026-02-26	Mccracken, Robert E	Director	-	Direct	Sale	6,177	22.13	$136,697.01	68,518	4
2026-02-05	Martin, Christopher P	Director,Officer	Executive Chairman	Direct	Sale	1,050	23.45	$24,622.50	600,000	4
2025-11-06	Lista, George	Officer	Pres/CEO Prov Protection Plus	Direct	Sale	8,262	18.35	$151,605.50	108,656	4
2025-09-12	Christy, James A.	Officer	EVP, CRO of Provident Bank	Direct	Sale	3,000	19.90	$59,700.00	39,633	4
2025-09-11	Pugliese, John	Director	-	Direct	Sale	25,000	19.91	$497,750.00	87,907	4
2025-08-21	Giannola, Vito	Officer	EVP & CRBO of provident Bank	Direct	Sale	7,474	18.77	$140,286.98	69,766	4/A
2025-06-11	Martin, Christopher P	Director,Officer	Executive Chairman	Direct	Sale	55,668	17.07	$950,252.76	601,050	4
2025-03-13	Lista, George	Officer	Pres/CEO Prov Protection Plus	Indirect	Purchase	1,000	16.73	$16,730.00	9,956	4
2024-12-11	Christy, James A.	Officer	EVP, CRO of Provident Bank	Direct	Sale	3,500	20.88	$73,080.00	34,254	4
2024-11-20	Leppert, Edward J	Director	-	Direct	Sale	69,921	20.63	$1,442,470.23	78,245	4
2024-11-20	Martin, Christopher P	Director,Officer	Executive Chairman	Direct	Sale	18,153	20.62	$374,314.86	619,741	4
2024-11-18	Fekete, Frank L	Director	-	Direct	Sale	6,209	21.45	$133,183.05	54,491	4
2024-11-08	Sierotko, Walter	Officer	EVP of Provident Bank	Direct	Sale	15,418	21.10	$325,319.80	23,568	4
2024-08-21	Giannola, Vito	Officer	EVP & CRBO of provident Bank	Direct	Sale	6,501	18.00	$117,018.00	82,155	4
2024-05-20	Labozzetta, Anthony J	Director,Officer	President and CEO	Indirect	Purchase	868	15.95	$13,844.60	4,573	4
2024-02-05	Lista, George	Officer	Pres/CEO Prov Protection Plus	Indirect	Purchase	1,094	15.80	$17,285.20	7,835	4
2024-01-30	Mcnerney, Robert	Director	-	Direct	Sale	5,000	17.87	$89,350.00	9,475	4
2023-11-10	Dunigan, James P	Director	-	Direct	Purchase	200	14.25	$2,850.00	37,335	4
2023-11-02	Giannola, Vito	Officer	EVP & CRBO of provident Bank	Direct	Sale	10,000	14.66	$146,600.00	85,190	4/A
2023-09-13	Sierotko, Walter	Officer	EVP/CLO of Provident Bank	Indirect	Purchase	6,300	15.66	$98,658.00	14,100	4
2023-09-12	Dunigan, James P	Director	-	Direct	Purchase	100	15.73	$1,573.00	37,135	4
2023-08-14	Fekete, Frank L	Director	-	Indirect	Sale	1,000	17.79	$17,790.00	0	4
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Institutional Ownership

No data available for chart

2026-03-31

72.26%

Inst. Shares: 94,302,809

Shares Outstanding: 130,511,676

2025-12-31

71.31%

Inst. Shares: 93,027,287

Shares Outstanding: 130,462,418

2025-09-30

69.66%

Inst. Shares: 90,914,050

Shares Outstanding: 130,506,517

2025-06-30

68.41%

Inst. Shares: 89,267,432

Shares Outstanding: 130,484,287

2025-03-31

66.71%

Inst. Shares: 86,945,218

Shares Outstanding: 130,325,393

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	94,302,809	130,511,676	72.26%
2025-12-31	93,027,287	130,462,418	71.31%
2025-09-30	90,914,050	130,506,517	69.66%
2025-06-30	89,267,432	130,484,287	68.41%
2025-03-31	86,945,218	130,325,393	66.71%
2024-12-31	86,497,628	109,668,911	78.87%
2024-09-30	85,781,730	129,941,845	66.02%
2024-06-30	87,167,725	102,957,521	84.66%
2024-03-31	52,713,514	75,260,029	70.04%
2023-12-31	51,156,448	74,844,489	68.35%
2023-09-30	51,128,093	74,909,083	68.25%
2023-06-30	51,501,842	74,823,272	68.83%
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PROVIDENT FINANCIAL SERVICES INC (PFS) — SEC Financial Statements & Analysis

PROVIDENT FINANCIAL SERVICES INC (PFS) is a savings institution, federally chartered company, incorporated in DE. PROVIDENT FINANCIAL SERVICES INC trades on NYSE as: PFS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), PROVIDENT FINANCIAL SERVICES INC reported a 2.92% year-over-year revenue growth, a Gross Profit Margin of 60.97% (TTM), a Price-to-Sales (P/S) ratio of 2.36x (TTM), a Price-to-Book (P/B) ratio of 1.05x (TTM), at a market cap of $3.05B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 2.92%
Gross Profit Margin TTM: 60.97%
P/S TTM: 2.36x
P/B TTM: 1.05x
Market Cap: $3.05B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is PROVIDENT FINANCIAL SERVICES INC in?

PROVIDENT FINANCIAL SERVICES INC (PFS) operates in the Savings Institution, Federally Chartered industry.

What is PFS's market cap?

PROVIDENT FINANCIAL SERVICES INC (PFS) has a market capitalization of $3.05B as of 2026-06-30.

What is PFS's P/E ratio?

PROVIDENT FINANCIAL SERVICES INC (PFS)'s trailing twelve month P/E ratio is 9.76x as of 2026-06-30.

What exchange does PFS trade on?

PROVIDENT FINANCIAL SERVICES INC (PFS) trades on the NYSE.

Where is PROVIDENT FINANCIAL SERVICES INC incorporated?

PROVIDENT FINANCIAL SERVICES INC is incorporated in DE.