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Provident Financial Services PFS Debt of ESOP

Debt of ESOP at other companies

TFS Financial logo
TFS FinancialTFSL
$28.57M-13.5%
Capitol Federal Financial logo
Capitol Federal FinancialCFFN
$23.95M—
TFS Financial logo
TFS FinancialTFSL
$1.54M+10.0%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$121.53M-4.0%
Avis Budget Group logo
Avis Budget GroupCAR
$4.79B+39.0%
TFS Financial logo
TFS FinancialTFSL
$16.25M-21.1%

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$5.36B+15.3%
P/E9.9×-6.8×
P/S3.4×+0.3×

Profitability

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Net margin34.6%+15.9pp
FCF margin47.8%-11.9pp

Returns & leverage

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

Where this comes from

Reported directly by Provident Financial Services in its filing.

Tagged under the XBRL concept us-gaap:EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount.

The official record: Provident Financial Services’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Provident Financial Services's debt of ESOP?
Provident Financial Services (PFS) reported debt of ESOP of $0 in Q4 2025.
What is the long-term trend for Provident Financial Services's debt of ESOP?
Over 5 years (2020 to 2025), Provident Financial Services's debt of ESOP has grown at a -100.0% compound annual growth rate (CAGR), from $25.6M to $0.
What does debt of ESOP mean?
This represents the outstanding debt obligations incurred by an Employee Stock Ownership Plan (ESOP) to finance the acquisition of company shares. It reflects the leverage utilized by the plan to provide equity-based compensation to employees. Investors monitor this to assess potential future dilution and the impact of debt service requirements on the company's cash flow.