PROVIDENT FINANCIAL SERVICES INC PFS

Latest FY: 2025 Financial Services Banks - Regional
Market Price $23.31
Market Cap $3.04B
P/E Ratio 10.45
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑25.3% YoY
$870.40M
3-Yr CAGR: 19.9%
Net Income ↑152.0% YoY
$291.16M
Net Margin: 33.5%
Free Cash Flow ↑1.3% YoY
$430.73M
FCF Yield: 14.18%
EPS (Diluted) ↑112.4% YoY
$2.23
Basic: $2.23
Return on Equity Efficiency
10.3%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (PFS)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $314.0M $270.2M $87.8M $1.38 $0.71 2.51% $127.3M $122.3M
FY 2017 $333.9M +6.4% $288.3M $93.9M +7.0% $1.45 +5.1% $0.93 3.44% $117.2M $114.0M -6.8%
FY 2018 $359.4M +7.6% $300.2M $118.4M +26.0% $1.82 +25.5% $0.82 3.41% $155.7M $152.6M +33.8%
FY 2019 $361.8M +0.7% $288.3M $112.6M -4.9% $1.74 -4.4% $1.12 4.56% $136.9M $132.0M -13.4%
FY 2020 $385.0M +6.4% $334.3M $97.0M -13.9% $1.39 -20.1% $0.95 5.26% $106.9M $94.1M -28.7%
FY 2021 $452.8M +17.6% $416.5M $167.9M +73.2% $2.19 +57.6% $0.93 3.85% $158.2M $144.4M +53.5%
FY 2022 $505.3M +11.6% $456.7M $175.6M +4.6% $2.35 +7.3% $0.96 4.51% $200.3M $190.9M +32.2%
FY 2023 $479.3M -5.2% $262.9M $128.4M -26.9% $1.71 -27.2% $0.97 5.37% $173.4M $165.9M -13.1%
FY 2024 $694.7M +45.0% $249.2M $115.5M -10.0% $1.05 -38.6% $0.92 4.88% $426.4M $425.1M +156.2%
FY 2025 $870.4M +25.3% $358.2M $291.2M +152.0% $2.23 +112.4% $0.96 4.88% $442.3M $430.7M +1.3%
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Valuation

Market Price $23.31
Market Cap $3.04B
Enterprise Value $2.83B
P/E Ratio 10.45
P/B Ratio 1.07
FCF Yield 14.18%
Dividend Yield 4.14%
Shares Outstanding 130,313,700
%

Profitability & Margins

Gross Margin 41.15%
Operating Margin 46.89%
Net Margin 33.45%
Return on Equity (ROE) 10.28%
Return on Assets (ROA) 1.17%
Asset Turnover 0.03x
Revenue 3-Yr CAGR 19.87%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $209.06M
Total Debt N/A
Book Value / Share $21.74
💧

Cash Flow Efficiency

Operating Cash Flow $442.26M
Capital Expenditures (CapEx) $11.54M
Free Cash Flow $430.73M
OCF / Revenue 50.81%
FCF / Revenue 49.49%
FCF 3-Yr CAGR 31.16%
🏷️

Per Share Metrics

EPS (Diluted) $2.23
EPS (Basic) $2.23
Dividends / Share $0.96
Book Value / Share $21.74
EPS YoY Growth 112.38%
🏛️

Balance Sheet (FY 2025)

Total Assets $24.98B
Total Liabilities $22.15B
Stockholders' Equity $2.83B
Current Assets N/A
Current Liabilities N/A