MARKETS / NYSE / Financials / Banks / PFS

NYSE · SAVINGS INSTITUTION, FEDERALLY CHARTERED · LARGE CAP

Provident Financial Services Inc. PFS

18 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$291.2M

▲ 152.0% YoY

Free cash flow

$430.7M

▲ 1.3% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

On May 16, 2024, the Company completed its merger with Lakeland Bancorp, Inc., which added $10.59 billion to total assets, $7.91 billion to total loans, $8.62 billion to total deposits and 68 full-service banking offices in New Jersey and New York. The Company and the Bank are headquartered in Jersey City, New Jersey, and as of December 31, 2025, the Bank operated a network of 141 full-service banking offices throughout fourteen counties in New Jersey, as well as three counties in Pennsylvania and three counties in New York. The Bank originates commercial real estate loans, commercial business loans, fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate and other consumer loans, for borrowers generally located within its primary market area. Relationships with customers are built and maintained through the Bank's branch network, its deployment of branch ATMs, and its mobile, digital and telephone services. As of December 31, 2025, the Company had 1,817 full-time and 49 part-time employees.

Written from the business description in PROVIDENT FINANCIAL SERVICES INC's annual report to the U.S. Securities and Exchange Commission, filed 27 February 2026. Every sentence was checked against that document before publication.

Growth

Revenue, FY2025 · full 18-year series below

Compound annual growth

Net income

+18.3%

+24.6%

+13.3%

+12.5%

Returned to shareholders

+2.0%

+7.7%

+11.8%

+11.3%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 10.7%

5%10%-5%-10%

200820162025

Three returns, three denominators.

Return on equity10.7%

Return on assets1.2%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 422.4M

Each USD of equity produced 11 cents of profit this year.

Cash & shareholders

USD 125.9M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 430.7

200M400M

200820162025

Net buybacks $M Dividends $M

FY2025 · Dividends 125.9 · Net buybacks 0.0

50M100MDividendsNet buybacks

2008201120142017202020232025

Dividends paidUSD 125.9M

Net buybacksUSD 0.00

Share of profit43.2%

Consecutive raises·

USD 125.9M in dividends — 43% of the year's profit went back to shareholders.

Total assetsUSD 25.0B

EquityUSD 2.8B

CashUSD 209.1M

Gross debtUSD 1.6B

Net debtUSD 1.4B

DepositsUSD 19.3B

Net debt stands at 48% of equity.

The 18-year record

18 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data

PFS, 18-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.4	0.1	0.2	0.2	0.2	0.1	0.1	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
EBITDA $B	0.4	0.2	0.2	0.2	0.2	0.1	0.2	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Income tax $B	0.1	0.0	0.0	0.1	0.1	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 $B	0.3	0.1	0.1	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	−0.1	0.0
Free cash flow $B	0.4	0.4	0.2	0.2	0.1	0.1	0.1	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.1
EPS, diluted $	2.23	1.05	1.71	2.35	2.19	1.39	1.74	1.82	1.45	1.38	1.33	1.22	1.23	1.18	1.01	0.88	−2.16	0.74
Dividend / sh $	0.96	0.96	0.96	0.96	0.92	0.92	1.12	0.82	0.93	◌	◌	◌	◌	◌	◌	◌	◌	◌
Payout %	43	87	56	41	43	68	65	45	64	52	49	49	46	61	47	50	−20	59
ROE %	10.7	5.4	7.8	10.7	10.1	6.4	8.1	8.9	7.4	7.2	7.2	6.8	7.1	7.0	6.1	5.5	−12.8	4.1
Shares out B	0.13	0.13	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.06	0.06	0.06	0.06	◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 53 reconciliationsAUDITED

Reconciled in 18 of the 18 fiscal years we could check. Two checks were skipped: the balance sheet is not tagged before 2009. One check was skipped: EPS is not tagged before 2008.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivitySavings Institution, Federally Chartered

Listed onNYSE

Incorporated inDelaware

Fiscal year endsDecember 31

Data on record since2008