Provident Financial Services PFS Financing receivable, coverage ratio (as a percent)

Financing receivable, coverage ratio (as a percent) at other companies

First Community BanksharesFCBC

$2.42B+3.1%

USCB Financial Holdings, Inc.USCB

$10K-9.1%

Home BancorpHBCP

$35.31M—

Ladder CapitalLADR

$47.11M-9.8%

OFG BancorpOFG

$8.04B+4.6%

Citizens Financial Services, Inc.CZFS

$24.41M+6.9%

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$3.08B+45.5%

Enterprise value$5.4B+26.0%

P/E10×-4.3×

P/S3.5×+0.8×

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 pfs:FinancingReceivableCoverageRatio.

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 financing receivable, coverage ratio (as a percent)?: Provident Financial Services (PFS) reported financing receivable, coverage ratio (as a percent) of 1% in Q4 2025.
What does financing receivable, coverage ratio (as a percent) mean?: This ratio measures the adequacy of the allowance for credit losses relative to the total outstanding financing receivables. It indicates the bank's internal assessment of potential credit risk within its loan and lease portfolio. A higher ratio suggests a more conservative approach to provisioning for potential loan defaults.