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Provident Financial Services PFS Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
Valley National Bank logo
Valley National BankVLY
25.9%
PRO
Provident Financial HoldingsPROV
18.9%
Prosperity Bancshares logo
Prosperity BancsharesPB
42.4%
Capital City Bank Group logo
Capital City Bank GroupCCBG
20.2%-8.4pp
AmeriServ Financial logo
AmeriServ FinancialASRV
11%-17.6pp

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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Market cap$3.23B+36.8%
Enterprise value$5.47B+20.7%
P/E10.3×+0.1×
P/S3.6×+0.7×

Profitability

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Net margin34.5%+7.0pp

Returns & leverage

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

Where this comes from

Calculated from Provident Financial Services’s reported figures.

Based on trailing twelve months.

The source filing: Provident Financial Services’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 3:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054777

FAQ

What is Provident Financial Services's free cash flow margin?
Provident Financial Services (PFS) reported free cash flow margin of 38.6% in Q2 2026.
How has Provident Financial Services's free cash flow margin changed year-over-year?
Provident Financial Services's free cash flow margin decreased by 44.0% year-over-year, from 68.9% to 38.6%.
What is the long-term trend for Provident Financial Services's free cash flow margin?
Over 4 years (2021 to 2025), Provident Financial Services's free cash flow margin has grown at a 11.9% compound annual growth rate (CAGR), from 31.6% to 49.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

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