PFS Stock - Provident Financial Services, Inc.
Unlock GoAI Insights for PFS
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Free 14-day trial • No credit card required
Premium members get real-time SMS alerts
Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.14B | $695.65M | $553.97M | $489.15M | $435.74M |
| Gross Profit | $607.16M | $451.12M | $500.34M | $475.66M | $353.47M |
| Gross Margin | 53.2% | 64.8% | 90.3% | 97.2% | 81.1% |
| Operating Income | $149.62M | $175.78M | $240.11M | $227.12M | $127.55M |
| Net Income | $115.53M | $128.40M | $175.65M | $167.92M | $96.95M |
| Net Margin | 10.1% | 18.5% | 31.7% | 34.3% | 22.2% |
| EPS | $1.05 | $1.72 | $2.35 | $2.20 | $1.39 |
Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. The company's deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. Its loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. The company also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, it provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, the company sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. As of December 31, 2021, it operated 96 full-service branch offices in northern and central New Jersey, as well as in Pennsylvania and New York counties. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.
Visit WebsiteRating Distribution
Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| July 25th 2025 | Hovde Group | Reiterated | Outperform | $23.5← $22.5 |
| June 26th 2025 | Raymond James | Initiation | Strong Buy | $21 |
| December 13th 2024 | Hovde Group | Initiation | Outperform | $25 |
| August 15th 2024 | Keefe Bruyette | Upgrade | Outperform | $21← $20 |
| April 22nd 2024 | DA Davidson | Upgrade | Buy | $20← $15 |
| August 22nd 2023 | Piper Sandler | Upgrade | Overweight | $20 |
| August 19th 2022 | Piper Sandler | Downgrade | Neutral | $26 |
Earnings History & Surprises
PFSEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $0.56 | — | — | — |
Q4 2025 | Oct 29, 2025 | $0.55 | $0.55 | 0.0% | = MET |
Q3 2025 | Jul 24, 2025 | $0.50 | $0.55 | +10.0% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $0.47 | $0.50 | +6.4% | ✓ BEAT |
Q1 2025 | Jan 28, 2025 | $0.50 | $0.37 | -26.0% | ✗ MISS |
Q4 2024 | Oct 29, 2024 | $0.47 | $0.36 | -23.4% | ✗ MISS |
Q3 2024 | Jul 25, 2024 | $0.28 | $0.06 | -78.6% | ✗ MISS |
Q2 2024 | Apr 18, 2024 | $0.40 | $0.43 | +7.5% | ✓ BEAT |
Q1 2024 | Jan 25, 2024 | $0.40 | $0.44 | +10.0% | ✓ BEAT |
Q4 2023 | Oct 26, 2023 | $0.38 | $0.41 | +7.9% | ✓ BEAT |
Q3 2023 | Jul 27, 2023 | $0.44 | $0.43 | -2.3% | ✗ MISS |
Q2 2023 | Apr 27, 2023 | $0.58 | $0.54 | -6.9% | ✗ MISS |
Q1 2023 | Jan 27, 2023 | $0.63 | $0.66 | +4.8% | ✓ BEAT |
Q4 2022 | Oct 28, 2022 | $0.58 | $0.58 | 0.0% | = MET |
Q3 2022 | Jul 29, 2022 | $0.52 | $0.53 | +1.9% | ✓ BEAT |
Q2 2022 | Apr 29, 2022 | $0.46 | $0.58 | +26.1% | ✓ BEAT |
Q1 2022 | Jan 28, 2022 | $0.47 | $0.49 | +4.3% | ✓ BEAT |
Q4 2021 | Oct 29, 2021 | $0.47 | $0.49 | +4.3% | ✓ BEAT |
Q3 2021 | Jul 30, 2021 | $0.45 | $0.58 | +28.9% | ✓ BEAT |
Frequently Asked Questions about PFS
What is PFS's current stock price?
What is the analyst price target for PFS?
What sector is Provident Financial Services, Inc. in?
What is PFS's market cap?
Does PFS pay dividends?
Similar Stocks
Financial Services SectorExplore stocks similar to PFS for comparison