PROVIDENT FINANCIAL SERVICES INC (PFS)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue225,723,000$221,751,000$214,169,000$208,758,000$205,913,000$210,556,000$163,781,000$114,477,000$114,756,000$115,556,000$118,493,000$130,476,000$132,327,000$137,934,000$120,407,000$114,674,000$114,544,000$114,590,000$112,061,000$111,637,000$109,186,000$102,611,000$84,193,000$89,012,000$90,608,000$91,575,000$92,389,000$87,195,000$92,949,000$91,702,000$88,117,000$86,584,000$85,201,000$85,324,000$83,874,000$79,500,000$81,102,000$79,037,000$77,734,000$76,087,000$79,598,000$74,657,000$78,616,000$72,231,000$74,734,000$74,278,000$67,728,000$63,317,000$
QoQ%1.79%3.54%2.59%1.38%(2.21%)28.56%43.07%(.24%)(.69%)(2.48%)(9.18%)(1.40%)(4.07%)14.56%5.00%.11%(.04%)2.26%.38%2.25%6.41%21.88%(5.41%)(1.76%)(1.06%)(.88%)5.96%(6.19%)1.36%4.07%1.77%1.62%(.14%)1.73%5.50%(1.98%)2.61%1.68%2.17%(4.41%)6.62%(5.04%)8.84%(3.35%).61%9.67%6.97%(1.91%)
YoY%9.62%5.32%30.77%82.36%79.44%82.21%38.22%(12.26%)(13.28%)(16.22%)(1.59%)13.78%15.53%20.37%7.45%2.72%4.91%11.67%33.10%25.42%20.50%12.05%(8.87%)2.08%(2.52%)(.14%)4.85%.71%9.09%7.48%5.06%8.91%5.05%7.96%7.90%4.49%1.89%5.87%(1.12%)5.34%6.51%.51%16.08%14.08%15.78%13.01%2.54%(.82%)
Cost Of Revenue1,946,000$4,499,000$0$0$7,750,000$9,599,000$0$0$(1,127,000$)12,541,000$10,489,000$6,001,000$0$8,413,000$2,996,000$(6,405,000$)397,000$969,000$(10,704,000$)(15,001,000$)(2,298,000$)6,400,000$10,900,000$14,717,000$2,900,000$500,000$9,500,000$200,000$1,800,000$1,000,000$15,500,000$5,400,000$1,900,000$500,000$1,700,000$1,500,000$1,200,000$1,000,000$1,700,000$1,500,000$1,250,000$1,400,000$1,100,000$600,000$1,250,000$1,500,000$1,500,000$400,000$
Gross Profit223,777,000$217,252,000$214,169,000$208,758,000$198,163,000$200,957,000$163,781,000$114,477,000$115,883,000$103,015,000$108,004,000$124,475,000$132,327,000$129,521,000$117,411,000$121,079,000$114,147,000$113,621,000$122,765,000$126,638,000$111,484,000$96,211,000$73,293,000$74,295,000$87,708,000$91,075,000$82,889,000$86,995,000$91,149,000$90,702,000$72,617,000$81,184,000$83,301,000$84,824,000$82,174,000$78,000,000$79,902,000$78,037,000$76,034,000$74,587,000$78,348,000$73,257,000$77,516,000$71,631,000$73,484,000$72,778,000$66,228,000$62,917,000$
Gross Margin99.14%97.97%100.00%100.00%96.24%95.44%100.00%100.00%100.98%89.15%91.15%95.40%100.00%93.90%97.51%105.59%99.65%99.15%109.55%113.44%102.11%93.76%87.05%83.47%96.80%99.45%89.72%99.77%98.06%98.91%82.41%93.76%97.77%99.41%97.97%98.11%98.52%98.74%97.81%98.03%98.43%98.13%98.60%99.17%98.33%97.98%97.79%99.37%
Operating Expenses114,690,000$113,092,000$114,614,000$116,267,000$134,324,000$136,002,000$115,394,000$71,827,000$75,851,000$65,625,000$65,110,000$69,485,000$65,058,000$69,443,000$63,846,000$61,886,000$62,064,000$63,440,000$62,698,000$61,853,000$58,571,000$59,783,000$55,267,000$54,107,000$53,731,000$49,738,000$49,694,000$48,416,000$49,360,000$46,659,000$48,806,000$46,910,000$48,078,000$46,280,000$47,340,000$46,124,000$47,153,000$45,850,000$45,897,000$44,878,000$47,419,000$43,614,000$46,119,000$43,437,000$42,297,000$45,833,000$43,671,000$38,190,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses127,428,000$131,949,000$129,214,000$123,618,000$130,209,000$138,821,000$106,305,000$70,189,000$68,383,000$61,961,000$50,790,000$35,232,000$23,114,000$12,242,000$6,810,000$6,463,000$7,779,000$8,366,000$9,639,000$10,531,000$11,412,000$11,468,000$11,709,000$16,148,000$17,502,000$19,498,000$19,093,000$17,404,000$16,589,000$15,475,000$14,035,000$13,054,000$11,696,000$11,682,000$11,388,000$10,878,000$10,874,000$11,074,000$10,895,000$10,905,000$10,618,000$10,466,000$10,514,000$10,303,000$10,482,000$10,683,000$9,985,000$9,322,000$
Income Before Tax112,246,000$101,615,000$102,443,000$91,853,000$62,709,000$65,255,000$(21,318,000$)42,970,000$39,768,000$37,390,000$43,633,000$54,990,000$67,269,000$60,078,000$53,565,000$59,193,000$52,083,000$50,181,000$60,067,000$64,785,000$52,913,000$36,428,000$18,026,000$20,188,000$33,977,000$41,337,000$33,195,000$38,579,000$41,789,000$44,043,000$23,811,000$34,274,000$35,223,000$38,544,000$34,834,000$31,876,000$32,749,000$32,187,000$30,137,000$29,709,000$30,929,000$29,643,000$31,397,000$28,194,000$31,187,000$26,945,000$22,557,000$24,727,000$
Tax Expenses28,815,000$29,895,000$30,462,000$27,825,000$14,185,000$18,850,000$(9,833,000$)10,888,000$12,456,000$8,843,000$11,630,000$14,454,000$18,234,000$16,657,000$14,337,000$15,231,000$14,780,000$12,913,000$15,278,000$16,226,000$12,346,000$9,285,000$3,715,000$5,257,000$8,026,000$9,938,000$8,802,000$7,689,000$6,026,000$8,575,000$4,568,000$6,361,000$15,740,000$11,969,000$10,451,000$8,368,000$10,182,000$9,281,000$8,781,000$8,736,000$9,414,000$9,034,000$9,601,000$8,392,000$9,968,000$7,913,000$6,206,000$7,698,000$
Net Income83,431,000$71,720,000$71,981,000$64,028,000$48,524,000$46,405,000$(11,485,000$)32,082,000$27,312,000$28,547,000$32,003,000$40,536,000$49,035,000$43,421,000$39,228,000$43,962,000$37,303,000$37,268,000$44,789,000$48,559,000$40,567,000$27,143,000$14,311,000$14,931,000$25,951,000$31,399,000$24,393,000$30,890,000$35,763,000$35,468,000$19,243,000$27,913,000$19,483,000$26,575,000$24,383,000$23,508,000$22,567,000$22,906,000$21,356,000$20,973,000$21,515,000$20,609,000$21,796,000$19,802,000$21,219,000$19,032,000$16,351,000$17,029,000$
Profit Margin36.96%32.34%33.61%30.67%23.57%22.04%(7.01%)28.03%23.80%24.70%27.01%31.07%37.06%31.48%32.58%38.34%32.57%32.52%39.97%43.50%37.15%26.45%17.00%16.77%28.64%34.29%26.40%35.43%38.48%38.68%21.84%32.24%22.87%31.15%29.07%29.57%27.83%28.98%27.47%27.56%27.03%27.61%27.73%27.42%28.39%25.62%24.14%26.90%
TTM33.45%30.13%27.51%18.69%16.63%15.63%15.03%25.89%26.79%30.21%31.78%33.05%34.76%33.62%33.98%35.83%37.08%38.26%36.98%32.03%25.18%22.47%24.37%26.59%31.13%33.63%34.73%33.72%32.95%29.04%27.00%28.84%28.14%29.42%28.86%28.46%27.97%27.76%27.41%27.48%27.44%27.79%27.30%26.44%26.29%25.87%25.59%26.86%
Earnings to Minority
Earnings to Common Shareholders83,431,000$71,720,000$71,981,000$64,028,000$48,524,000$46,405,000$(11,485,000$)32,082,000$27,312,000$28,547,000$32,003,000$40,536,000$49,035,000$43,421,000$39,228,000$43,962,000$37,303,000$37,268,000$44,789,000$48,559,000$40,567,000$27,143,000$14,311,000$14,931,000$25,951,000$31,399,000$24,393,000$30,890,000$35,763,000$35,468,000$19,243,000$27,913,000$19,483,000$26,575,000$24,383,000$23,508,000$22,567,000$22,906,000$21,356,000$20,973,000$21,515,000$20,609,000$21,796,000$19,802,000$21,219,000$19,032,000$16,351,000$17,029,000$
QoQ%16.33%(.36%)12.42%31.95%4.57%504.05%(135.80%)17.47%(4.33%)(10.80%)(21.05%)(17.33%)12.93%10.69%(10.77%)17.85%.09%(16.79%)(7.76%)19.70%49.46%89.67%(4.15%)(42.47%)(17.35%)28.72%(21.03%)(13.63%).83%84.32%(31.06%)43.27%(26.69%)8.99%3.72%4.17%(1.48%)7.26%1.83%(2.52%)4.40%(5.45%)10.07%(6.68%)11.49%16.40%(3.98%)(2.14%)
YoY%71.94%54.55%726.74%99.58%77.67%62.56%(135.89%)(20.86%)(44.30%)(34.26%)(18.42%)(7.79%)31.45%16.51%(12.42%)(9.47%)(8.05%)37.30%212.97%225.22%56.32%(13.56%)(41.33%)(51.66%)(27.44%)(11.47%)26.76%10.67%83.56%33.46%(21.08%)18.74%(13.67%)16.02%14.17%12.09%4.89%11.15%(2.02%)5.91%1.40%8.29%33.30%16.28%21.93%18.39%(14.96%)(4.48%)
Earnings Per Share, Basic0.64$0.55$0.55$0.49$0.37$0.36$(0.11$)0.43$0.36$0.38$0.43$0.54$0.66$0.58$0.53$0.58$0.49$0.49$0.58$0.63$0.53$0.37$0.22$0.23$0.40$0.49$0.38$0.48$0.55$0.55$0.30$0.43$0.30$0.41$0.38$0.37$0.35$0.36$0.34$0.33$0.34$0.33$0.35$0.32$0.34$0.30$0.28$0.30$
Earnings Per Share, Diluted0.64$0.55$0.55$0.49$0.37$0.36$(0.11$)0.43$0.36$0.38$0.43$0.54$0.66$0.58$0.53$0.58$0.49$0.49$0.58$0.63$0.53$0.37$0.22$0.23$0.40$0.49$0.38$0.48$0.55$0.54$0.30$0.43$0.30$0.41$0.38$0.37$0.35$0.36$0.34$0.33$0.34$0.33$0.35$0.32$0.34$0.30$0.28$0.30$
Unlevered FCF Per Share, Basic0.49$0.74$1.40$0.67$1.84$0.52$0.73$0.54$0.60$0.52$0.33$0.77$0.55$0.73$0.72$0.56$0.38$0.41$0.63$0.45$0.69$(0.31$)0.44$0.49$0.41$0.55$0.61$0.48$0.33$0.90$0.62$0.49$0.39$0.77$0.24$0.37$0.65$0.45$0.41$0.44$
Unlevered FCF Per Share, Diluted0.49$0.74$1.40$0.67$1.84$0.52$0.73$0.54$0.60$0.52$0.33$0.77$0.55$0.73$0.72$0.55$0.38$0.41$0.63$0.45$0.69$(0.31$)0.44$0.49$0.41$0.55$0.61$0.47$0.33$0.90$0.62$0.49$0.39$0.77$0.24$0.37$0.65$0.45$0.41$0.44$
Average Shares, Basic130,533,475130,506,517130,484,287130,325,393130,516,249129,941,845102,957,52175,260,02975,000,26574,909,08374,823,27274,645,33674,358,65274,297,23774,328,63275,817,97176,122,99076,604,65376,643,54676,516,54376,973,18872,519,12364,315,54764,386,13864,252,17264,511,95664,886,14964,766,61965,052,86965,037,77964,911,91964,768,97764,559,66064,454,68464,357,68464,167,37663,941,30863,728,39363,553,69463,351,09363,180,39163,034,18562,894,21362,673,88762,597,00262,440,31059,147,24157,369,039
Average Shares, Diluted130,593,843130,553,819130,500,143130,380,475130,612,877130,004,870102,957,52175,275,66075,046,10574,914,20574,830,18774,702,52774,421,23374,393,38074,400,78875,914,07976,223,85076,685,20676,753,44276,580,86277,041,72372,604,29864,400,54864,457,26364,376,61764,632,28565,016,72464,912,73865,179,46265,183,88165,099,60364,949,44264,760,93464,645,27864,541,07164,369,60564,226,79063,934,88663,726,51363,519,75563,374,65763,198,29963,044,96562,840,95162,891,39262,559,20759,269,26257,528,419
EBIT239,674,000$233,564,000$231,657,000$215,471,000$192,918,000$204,076,000$84,987,000$113,159,000$108,151,000$99,351,000$94,423,000$90,222,000$90,383,000$72,320,000$60,375,000$65,656,000$59,862,000$58,547,000$69,706,000$75,316,000$64,325,000$47,896,000$29,735,000$36,336,000$51,479,000$60,835,000$52,288,000$55,983,000$58,378,000$59,518,000$37,846,000$47,328,000$46,919,000$50,226,000$46,222,000$42,754,000$43,623,000$43,261,000$41,032,000$40,614,000$41,547,000$40,109,000$41,911,000$38,497,000$41,669,000$37,628,000$32,542,000$34,049,000$
EBITDA251,612,000$246,631,000$244,804,000$228,636,000$206,192,000$219,955,000$94,532,000$115,960,000$111,011,000$102,233,000$97,332,000$93,266,000$93,614,000$75,586,000$63,707,000$68,903,000$62,987,000$61,656,000$72,864,000$78,580,000$67,538,000$50,785,000$32,151,000$38,830,000$53,912,000$63,571,000$55,060,000$58,437,000$60,866,000$62,039,000$40,340,000$49,926,000$49,678,000$53,119,000$49,169,000$45,778,000$46,672,000$46,387,000$44,294,000$43,937,000$44,950,000$43,534,000$45,464,000$41,830,000$45,050,000$40,818,000$35,010,000$36,143,000$