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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
26.5%
Trustmark logo
TrustmarkTRMK
21.3%
FB Financial logo
FB FinancialFBK
32.3%+15.7pp
Prosperity Bancshares logo
Prosperity BancsharesPB
40%
Enterprise Financial Services logo
Enterprise Financial ServicesEFSC
26.8%-11.2pp

Other financials

Income statement

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Revenue$225.2M+7.9%
Net income$79.4M+24.0%
EPS (diluted)$0.61+24.5%

Balance sheet

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Cash & equivalents$222.1M-5.1%
Total debt$2.5B+5.7%
Total equity$2.9B+7.7%
Total assets$25.2B+4.0%

Cash flow

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Operating cash flow$84.7M-4.4%
CapEx$3.7M+223%
Free cash flow$81.0M-7.3%

Valuation

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Market cap$3.05B+23.4%
Enterprise value$5.37B+15.3%
P/E9.9×-6.8×
P/S3.4×+0.3×

Profitability

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Net margin34.6%+15.9pp

Returns & leverage

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Return on equity11.1%+4.3pp
Debt / equity0.9×0.0×

Where this comes from

Calculated from Provident Financial Services’s reported figures.

Based on trailing twelve months.

The official record: Provident Financial Services’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Provident Financial Services's free cash flow margin?
Provident Financial Services (PFS) reported free cash flow margin of 47.8% in Q1 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 19.9% year-over-year, from 59.8% to 47.8%.
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.