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Provident Financial Services PFS Q2 2026 earnings

Reported July 29, 2026 · After market close

Revenue$235.0MBeat by $9.4M
EPS$0.60Beat by $0.04
Revenue estimate$225.6M
EPS estimate$0.57
“Through the first half of 2026, Provident has grown earnings per share 17% year-over-year while also significantly improving our profitability and building capital. We achieved record pre-provision net revenue during the second quarter, driven by strong commercial loan production, expanding core margin and increasing contribution from non-interest income, which represented nearly 14% of total revenues. We are proud of the noticeable momentum of our organization, and I'm optimistic that we will continue to drive organic growth with an unchanged commitment to achieving top quartile risk-adjusted returns.”
Chief Executive Officer

Next report

Nov 4, 2026 (in a month)
Revenue estimate$235.3M
EPS estimate$0.61

Financials

Q2 2026

Income statement

See full
Revenue$234.7M+9.6%
Net income$78.1M+8.6%
EPS (diluted)$0.60+9.1%

Balance sheet

See full
Cash & equivalents$228.3M-11.8%
Total debt$2.5B+1.6%
Total equity$2.9B+7.4%
Total assets$25.7B+4.5%

Cash flow

See full
Operating cash flow$118.8M-36.4%
CapEx$10.2M+143%
Free cash flow$108.6M-40.5%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$2.91B+14.6%
Enterprise value$5.16B+14.6%
P/E9.3×-0.6×
P/S3.2×+0.2×

Profitability

See full
Net margin34.5%+7.0pp
FCF margin38.6%-30.3pp

Returns & leverage

See full
Return on equity11.1%+2.4pp
Debt / equity0.9×0.0×

Segments

By product

See full
Wealth management fees$7.5M+8.2%
Insurance agency income$5.4M+10.2%
Service charges on deposit accounts$5.4M+6.6%
Debit card and ATM fees$1.2M-3.0%

FAQ

When did Provident Financial Services report Q2 2026 earnings?
Provident Financial Services (PFS) reported Q2 2026 earnings on July 29, 2026 after market close.
What were Provident Financial Services's Q2 2026 revenue and EPS?
Provident Financial Services reported revenue of $235.0M and eps of $0.60 for Q2 2026.
Did Provident Financial Services beat estimates in Q2 2026?
Revenue beat the consensus estimate of $225.6M by $9.4M. EPS beat the consensus estimate of $0.56 by $0.04.
How did Provident Financial Services's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.7% from $214.2M a year earlier and eps grew 9.1% from $0.55.
Where can I find Provident Financial Services's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001628280-26-050914) and the 10-Q periodic report (0001628280-26-054777) directly on SEC EDGAR. The filing index links above go to sec.gov.