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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. 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
Finance
Primary listing
NYSE
Employees
1,842
Headquarters
Jersey City, United States
Website
www.provident.bank

PFS Metrics

BasicAdvanced
$3B
9.74
$2.38
0.82
$0.96
4.14%

What the Analysts think about PFS

Analyst ratings (Buy, Hold, Sell) for Provident Financial Services stock.
Analyst projections of the future price of Provident Financial Services stock.

Bulls say / Bears say

Core profitability is improving: third-quarter net interest margin rose to 3.50%, core margin widened year on year, and core pre-provision net revenue grew 10% year on year. Record revenue shows the recovery is being driven by both lending spreads and fee-based businesses. (SEC)
The bank has a sizeable pipeline to support further lending growth. Its $3.03 billion pipeline carried an average rate near 6.50%, and management expects 5% to 6% loan growth in 2026. (The Motley Fool)
Core deposits grew at a 5.76% annualised rate in the quarter, helping fund lending and reducing reliance on time and wholesale deposits. Total deposits increased by $261.7 million to $19.81 billion. (SEC)
Credit quality has weakened from its year-end level: non-performing loans rose to 0.69% of loans from 0.40% in December 2025. Four senior-housing loans totalling about $82 million are tied to bankruptcy proceedings, so the outcome remains a material watch point. (SEC, SEC)
Provident has substantial commercial property exposure: its adjusted CRE concentration ratio was 399.4%, while commercial loans made up 87.5% of the loan portfolio. A downturn in property values or borrower performance could therefore have an outsized effect on credit losses. (SEC)
Funding costs are rising despite deposit growth. The cost of total deposits increased to 2.02% from 1.92% in the prior quarter, while brokered demand deposits rose by $432.5 million as municipal balances fell seasonally. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 30 Oct 2026.

PFS Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

PFS Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

PFS News

AllArticlesVideos

Provident Financial Services Q2 Earnings Call Highlights

MarketBeat3 months ago

Funds containing PFS

AllUSDEURGBP
Funds
Fund name
Fund size
$PFS weighting
SPDR S&P Global Dividend Aristocrats£GBDV
$1.8B1.05%
SPDR S&P Global Dividend Aristocrats$GLDV
$1.8B1.05%
iShares S&P SmallCap 600$IDP6
$3.2B0.18%
iShares S&P Small Cap 600£ISP6
$3.2B0.18%
SPDR Russell 2000 US Small Cap£R2SC
$5.3B0.10%
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