PFSNYSESavings Institution, Federally CharteredFiscal year ends December 31
PROVIDENT FINANCIAL SERVICES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$22.11−0.12 (-0.54%)
Close on Oct 19, 2026
- Market cap
- $2.88B
- P/E (TTM)
- 9.2
- Dividend yield
- 4.34%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
398.3%+185.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +7.1% | +10.0% | +9.9% | -13.3% | |
| Net income | +152.0% | +18.3% | +24.6% | +13.3% | |
| EPS, diluted | +112.4% | -1.7% | +9.9% | +5.3% | |
| Free cash flow | +1.3% | +31.2% | +36.6% | +14.7% | |
| Dividend per share | 0.0% | 0.0% | +0.9% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.2% | 6.4% | 10.7% | |
| Return on assets | 1.0% | 0.9% | 1.2% | |
| Capex to revenue | 13.9% | 28.2% | 15.8% | |
| Diluted shares | 64M | 70M | 131M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Provident Financial Services generated $1.40B from operations and spent $553.60M on capital expenditure, dividends and share buybacks. 8% of that went back into the business.
Generated
$1.40B
Used
$553.60M
Capital expenditure$43.55M8%Dividends$442.81M80%Share buybacks$67.24M12%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin398.3%
×Asset turnover0.00×
×Equity multiplier9.02×
=Return on equity, FY202510.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 398.3% | 0.00× | 9.02× | 10.7% |
| FY2024 | 169.2% | 0.00× | 8.92× | 5.4% |
| FY2023 | 223.2% | 0.00× | 8.51× | 7.8% |
| FY2022 | 319.4% | 0.00× | 8.37× | 10.7% |
| FY2021 | 291.7% | 0.00× | 8.05× | 10.1% |
| FY2020 | 212.9% | 0.00× | 7.49× | 6.4% |
| FY2019 | 272.4% | 0.00× | 7.04× | 8.1% |
| FY2018 | 317.5% | 0.00× | 7.36× | 8.9% |
| FY2017 | 257.5% | 0.00× | 7.59× | 7.4% |
| FY2016 | 244.6% | 0.00× | 7.52× | 7.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$291.16M
- Cash generatingOperating cash flow above zero$442.26M
- Return on assets improvedROA up on the prior year0.8% → 1.2%
- Earnings backed by cashOperating cash flow above net income$442.26M vs $291.16M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise110M → 131M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00