PFS
Provident Financial Services Inc
NYSE: PFS · FINANCIAL SERVICES · BANKS - REGIONAL
$22.42
-2.48% today
Updated 2026-04-29
Market cap
$2.92B
P/E ratio
10.05
P/S ratio
3.37x
EPS (TTM)
$2.23
Dividend yield
4.18%
52W range
$15 – $24
Volume
0.9M
Provident Financial Services Inc (PFS) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $314.09M | $339.12M | $335.94M | $326.04M | $318.09M | $308.26M | $305.87M | $296.93M | $320.53M | $347.00M | $357.71M | $379.54M | $418.50M | $435.26M | $435.74M | $489.15M | $553.97M | $695.65M | $1.14B | $1.38B |
| Revenue growth (YoY) | — | +8.0% | -0.9% | -2.9% | -2.4% | -3.1% | -0.8% | -2.9% | +7.9% | +8.3% | +3.1% | +6.1% | +10.3% | +4.0% | +0.1% | +12.3% | +13.3% | +25.6% | +63.9% | +21.3% |
| Cost of revenue | $118.93M | $154.23M | $147.35M | $141.79M | $113.07M | $88.63M | $60.92M | $42.27M | $45.12M | $46.25M | $49.15M | $51.24M | $82.85M | $86.60M | $82.27M | $13.49M | $53.63M | $244.53M | $533.09M | $515.79M |
| Gross profit | $195.16M | $184.89M | $188.59M | $184.25M | $205.02M | $219.63M | $244.95M | $254.66M | $275.41M | $300.75M | $308.56M | $328.30M | $335.65M | $348.67M | $353.47M | $475.66M | $500.34M | $451.12M | $607.16M | $866.82M |
| Gross margin | 62.1% | 54.5% | 56.1% | 56.5% | 64.5% | 71.2% | 80.1% | 85.8% | 85.9% | 86.7% | 86.3% | 86.5% | 80.2% | 80.1% | 81.1% | 97.2% | 90.3% | 64.8% | 53.2% | 62.7% |
| R&D | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — | — |
| SG&A | $63.30M | $81.29M | $77.60M | $89.84M | $77.50M | $80.79M | $84.91M | $87.68M | $96.88M | $104.72M | $111.03M | $113.24M | $114.98M | $118.17M | $133.98M | $149.63M | $152.40M | $157.07M | $231.31M | $305.92M |
| Operating income | $76.89M | $50.87M | $56.58M | $-114.82M | $66.27M | $77.19M | $96.12M | $105.90M | $105.42M | $120.16M | $124.78M | $140.48M | $143.92M | $147.09M | $127.55M | $227.12M | $240.11M | $175.78M | $149.62M | $408.16M |
| Operating margin | 24.5% | 15.0% | 16.8% | -35.2% | 20.8% | 25.0% | 31.4% | 35.7% | 32.9% | 34.6% | 34.9% | 37.0% | 34.4% | 33.8% | 29.3% | 46.4% | 43.3% | 25.3% | 13.1% | 29.5% |
| EBITDA | $96.55M | $65.00M | $70.48M | $-102.43M | $77.02M | $86.85M | $105.45M | $114.68M | $116.55M | $133.88M | $137.54M | $152.10M | $154.02M | $165.96M | $147.59M | $249.85M | $263.81M | $197.97M | $204.20M | $408.16M |
| EBITDA margin | 30.7% | 19.2% | 21.0% | -31.4% | 24.2% | 28.2% | 34.5% | 38.6% | 36.4% | 38.6% | 38.5% | 40.1% | 36.8% | 38.1% | 33.9% | 51.1% | 47.6% | 28.5% | 17.9% | 29.5% |
| EBIT | $76.89M | $50.87M | $56.58M | $-114.82M | $66.27M | $77.19M | $96.12M | $105.90M | $105.42M | $120.16M | $124.78M | $140.43M | $143.92M | $147.09M | $127.55M | $227.12M | $240.11M | $175.78M | $149.62M | — |
| Interest expense | $117.61M | $147.70M | $132.25M | $111.54M | $77.57M | $59.73M | $44.92M | $36.77M | $40.47M | $41.90M | $43.75M | $45.64M | $59.15M | $73.50M | $50.74M | $36.32M | $48.63M | $216.37M | $445.52M | $512.21M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $53.69M | $37.38M | $41.64M | $-121.82M | $49.70M | $57.34M | $67.27M | $70.53M | $73.63M | $83.72M | $87.80M | $93.95M | $118.39M | $112.63M | $96.95M | $167.92M | $175.65M | $128.40M | $115.53M | $291.16M |
| Net income growth (YoY) | — | -30.4% | +11.4% | -392.6% | +140.8% | +15.4% | +17.3% | +4.9% | +4.4% | +13.7% | +4.9% | +7.0% | +26.0% | -4.9% | -13.9% | +73.2% | +4.6% | -26.9% | -10.0% | +152.0% |
| Profit margin | 17.1% | 11.0% | 12.4% | -37.4% | 15.6% | 18.6% | 22.0% | 23.8% | 23.0% | 24.1% | 24.5% | 24.8% | 28.3% | 25.9% | 22.2% | 34.3% | 31.7% | 18.5% | 10.1% | 21.1% |