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Provident Financial Services PFS Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$225.0MBeat by $937.7K
EPS$0.64Beat by $0.08
Revenue estimate$224.1M
EPS estimate$0.56

Next report

Date not yet announced

Financials

Q4 2025

Income statement

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Revenue$225.7M+9.6%
Net income$83.4M+71.9%
EPS (diluted)$0.64+60.0%

Balance sheet

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Cash & equivalents$211.5M+2.7%
Total debt$2.2B+3.9%
Total equity$2.8B+8.9%
Total assets$25.0B+3.9%

Cash flow

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Operating cash flow$68.9M-71.2%
CapEx$4.9M—
Free cash flow$64.1M-73.4%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$2.58B+4.8%
Enterprise value$4.54B+4.5%
P/E8.9×-12.5×
P/S3×-0.6×

Profitability

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Net margin33.5%+16.8pp
FCF margin49.5%-11.7pp

Returns & leverage

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Return on equity10.7%+5.3pp
Debt / equity0.8×0.0×

Segments

By product

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Wealth management fees$7.6M-0.4%
Service charges on deposit accounts$5.2M+21.8%
Insurance agency income$3.9M+17.2%
Debit card and ATM fees$1.3M+0.5%

FAQ

When did Provident Financial Services report Q4 2025 earnings?
Provident Financial Services (PFS) reported Q4 2025 earnings on January 27, 2026 after market close.
What were Provident Financial Services's Q4 2025 revenue and EPS?
Provident Financial Services reported revenue of $225.0M and eps of $0.64 for Q4 2025.
Did Provident Financial Services beat estimates in Q4 2025?
Revenue beat the consensus estimate of $224.1M by $937.7K. EPS beat the consensus estimate of $0.56 by $0.08.
How did Provident Financial Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 35.9% from $165.5M a year earlier and eps grew 73.0% from $0.37.
Where can I find Provident Financial Services's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-003527) and the 10-K periodic report (0001628280-26-012814) directly on SEC EDGAR. The filing index links above go to sec.gov.