Provident Financial Services/$PFS

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About Provident Financial Services

Provident Financial Services Inc is the holding company for The Provident Bank, a community-oriented bank. The Company's operations are solely in the financial services industry and include providing traditional banking and other financial services to its customers. The Company operates in the geographical regions of northern and central New Jersey, Queens and Nassau Counties in New York and eastern Pennsylvania. The Company has a single reporting segment for financial reporting purposes. The majority of the revenue-generating activities that are components of non-interest income are These revenue streams can generally be classified into three broad categories: wealth management revenue, insurance agency income, and banking service charges and other fees.

Ticker

$PFS
Sector

Primary listing

NYSE

Employees

1,777

PFS Metrics

BasicAdvanced
$2.6B
11.14
$1.77
0.87
$0.96
4.88%

What the Analysts think about PFS

Analyst ratings (Buy, Hold, Sell) for Provident Financial Services stock.

Bulls say / Bears say

Q2 2025 net income rose to $72.0 million (EPS $0.55) on record revenue of $214.2 million – up 12.5% from Q1 and a turnaround from a $11.5 million loss in Q2 2024 – underscoring robust core profitability (GlobeNewswire).
The merger with Lakeland Bancorp bolstered scale, contributing to assets above $24 billion and driving annualized adjusted ROA to 1.19% and ROE to 10.76%, reflecting successful integration and enhanced shareholder returns (Zacks).
Asset quality remains strong with non-performing assets at just 0.44% of total assets and net charge-offs of 0.03% in Q2 2025, indicating disciplined underwriting and low credit risk in the loan portfolio (StockTitan).
Deposit balances declined by $175 million, or 0.94%, in Q1 2025 amid heightened competition for customer deposits, signaling potential funding cost pressures going forward (GuruFocus).
Management projects net interest margin to narrow following two anticipated 25 basis-point rate cuts in September and November, which could compress future net interest income if asset repricing lags funding costs (The Motley Fool).
The loan origination pipeline shrank to $2.59 billion as of June 30, 2025, down from $2.77 billion at the end of Q1, suggesting a slowdown in deal flow that may weigh on loan growth and fee income in upcoming quarters (GlobeNewswire).
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2025.

PFS Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

PFS Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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