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Provident Financial Services PFS Business Segments — Interest Income (Expense), Operating

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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
FCF margin38.6%-30.3pp

Returns & leverage

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Return on equity11.1%+2.4pp
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:InterestIncomeExpenseNet.

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

Filed
Aug 7, 2026, 3:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054777
Line itemThree months ended June 30, 2026Three months ended June 30, 2025Six months ended June 30, 2026Six months ended June 30, 2025
Borrowed funds23,73024,47044,74142,247
Subordinated debt8,3828,48716,75816,907
Total interest expense123,915129,214245,238252,832
Net interest income202,680187,094396,423368,822
Provision charge for credit losses9,334(2,888)7,218(2,250)
Net interest income after provision for credit losses193,346189,982389,205371,072
Non-interest income:
Fees12,25910,73622,72220,391

Item 1. FINANCIAL STATEMENTS.

FAQ

What is Provident Financial Services's business segments — interest income (expense), operating?
Provident Financial Services (PFS) reported business segments — interest income (expense), operating of $202.68M in Q2 2026.
How has Provident Financial Services's business segments — interest income (expense), operating changed year-over-year?
Provident Financial Services's business segments — interest income (expense), operating increased by 8.3% year-over-year, from $187.09M to $202.68M.
What is the long-term trend for Provident Financial Services's business segments — interest income (expense), operating?
Over 3 years (2022 to 2025), Provident Financial Services's business segments — interest income (expense), operating has grown at a 22.1% compound annual growth rate (CAGR), from $417.55M to $760.57M.
What does business segments — interest income (expense), operating mean?
This represents the net interest income, calculated as the difference between total interest income and total interest expense. It is the fundamental measure of a bank's profitability derived from its core intermediation business.

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