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23.54 USD
P/E
10.06
EPS
2.35
Yield
3.99%
Safety Score
97
P/B
1.08
ROE
11.10
Beta
0.79
Target Price
25.17 USD
Provident Financial Services, Inc. logo

Provident Financial Services, Inc.

🧾 Earnings Recap – Q3 2025

Provident Financial Services delivered strong Q3 performance with net earnings of $72 million or $0.55 per share, reflecting robust growth in both loans and deposits alongside increased operational efficiency.

  • Record pretax pre-provision earnings reached $109 million, marking a 9% increase quarter-over-quarter.
  • Deposits surged by $388 million, driven primarily by a 7.5% increase in core deposits.
  • Commercial loan production totaled $742 million, contributing to a 5% annualized growth in the loan portfolio.
  • Noninterest income grew by 6.1% year-over-year, bolstered by the success of Provident Protection Plus and Beacon Trust.
  • A quarterly cash dividend of $0.24 per share was approved, reinforcing a secure capital position that exceeds well-capitalized requirements.
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Key Metrics
Earnings dateJuly 23, 2026
P/E10.06
EPS2.35
Book Value21.97
Price to Book1.08
% Insiders2.841%
Growth
Revenue Growth0.09%
Earnings Growth0.24%
Estimates
Forward P/E9.36
Forward EPS2.53
Target Mean Price25.17
Dividend
Dividend Yield3.99%
Annual dividends0.96 USD
Ex-Div. DateMay 15, 2026
Payout40.91%
5y avg Yield5.13%

DCF Valuation

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DCF Result

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Upside
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Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Provident Financial Services, Inc. Logo Provident Financial Services, Inc. Analysis (PFS)

United States Financials Official Website Stock

Is Provident Financial Services, Inc. a good investment? Provident Financial Services, Inc. (PFS) is currently trading at 23.54 USD. Market analysts have a consensus price target of 25.17 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 10.06. This relatively low multiple may signal that Provident Financial Services, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Provident Financial Services, Inc. is expected to release its next earnings report on July 23, 2026. The market consensus estimate for Forward EPS is 2.53.

For income investors, Provident Financial Services, Inc. pays a dividend yield of 3.99%. With a payout ratio of 41%, the dividend appears sustainable.

Investor FAQ

Does Provident Financial Services, Inc. pay a dividend?

Yes, it pays an annual dividend of 0.96 USD (3.99% yield).

What asset class is Provident Financial Services, Inc.?

Provident Financial Services, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 23, 2026. The company currently has a trailing EPS of 2.35.

Company Profile

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. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; residential mortgage loans; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning; and insurance agency operations. Further, it sells insurance and investment products, including annuities; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

Exchange Ticker
NYQ (United States) PFS
Trades
Dividend Yield
3.99%
5y avg 5.13%
Annual Dividends
0.96USD
Next Ex. Div Date
May 15, 2026
Payout Ratio
40.91%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
0.49 USD
May 28, 2027 (estimated) 0.2426
Feb. 26, 2027 (estimated) 0.2426
2026
0.97 USD
Nov. 27, 2026 (estimated) 0.2426
Aug. 28, 2026 (estimated) 0.2426
May 29, 2026 0.2400
Feb. 27, 2026 0.2400
2025
0.96 USD
Nov. 28, 2025 0.2400
Aug. 29, 2025 0.2400
May 30, 2025 0.2400
Feb. 28, 2025 0.2400
2024
0.96 USD
Nov. 29, 2024 0.2400
Aug. 30, 2024 0.2400
May 31, 2024 0.2400
Feb. 23, 2024 0.2400
2023
0.96 USD
Nov. 24, 2023 0.2400
Aug. 25, 2023 0.2400
May 26, 2023 0.2400
Feb. 24, 2023 0.2400
2022
0.96 USD
Nov. 25, 2022 0.2400
Aug. 26, 2022 0.2400
May 27, 2022 0.2400
Feb. 25, 2022 0.2400
2021
0.93 USD
Nov. 26, 2021 0.2400
Aug. 27, 2021 0.2300
May 28, 2021 0.2300
Feb. 26, 2021 0.2300
2020
0.92 USD
Nov. 27, 2020 0.2300
Aug. 28, 2020 0.2300
May 29, 2020 0.2300
Feb. 28, 2020 0.2300
2019
1.12 USD
Nov. 29, 2019 0.2300
Aug. 30, 2019 0.2300
May 31, 2019 0.2300
Feb. 28, 2019 0.4300
2018
0.82 USD
Nov. 30, 2018 0.2100
Aug. 31, 2018 0.2100
May 31, 2018 0.2000
Feb. 28, 2018 0.2000
2017
0.93 USD
Dec. 22, 2017 0.1500
Nov. 30, 2017 0.2000
Aug. 31, 2017 0.2000
May 31, 2017 0.1900
Feb. 28, 2017 0.1900
2016
0.71 USD
Nov. 30, 2016 0.1800
Aug. 31, 2016 0.1800
May 31, 2016 0.1800
Feb. 26, 2016 0.1700
2015
0.65 USD
Nov. 27, 2015 0.1700
Aug. 28, 2015 0.1600
May 29, 2015 0.1600
Feb. 27, 2015 0.1600
2014
0.60 USD
Nov. 28, 2014 0.1500
Aug. 29, 2014 0.1500
May 30, 2014 0.1500
Feb. 28, 2014 0.1500
2013
0.56 USD
Nov. 29, 2013 0.1500
Aug. 30, 2013 0.1400
May 31, 2013 0.1400
Feb. 28, 2013 0.1300
2012
0.71 USD
Dec. 21, 2012 0.2000
Nov. 30, 2012 0.1300
Aug. 31, 2012 0.1300
May 31, 2012 0.1300
Feb. 29, 2012 0.1200
2011
0.47 USD
Nov. 30, 2011 0.1200
Aug. 31, 2011 0.1200
May 31, 2011 0.1200
Feb. 28, 2011 0.1100
2010
0.44 USD
Nov. 30, 2010 0.1100
Aug. 31, 2010 0.1100
May 28, 2010 0.1100
Feb. 26, 2010 0.1100
2009
0.44 USD
Nov. 30, 2009 0.1100
Aug. 31, 2009 0.1100
May 29, 2009 0.1100
Feb. 27, 2009 0.1100
2008
0.44 USD
Nov. 28, 2008 0.1100
Aug. 29, 2008 0.1100
May 30, 2008 0.1100
Feb. 28, 2008 0.1100
2007
0.42 USD
Nov. 30, 2007 0.1100
Aug. 31, 2007 0.1100
May 31, 2007 0.1000
Feb. 28, 2007 0.1000
2006
0.39 USD
Nov. 30, 2006 0.1000
Aug. 31, 2006 0.1000
May 31, 2006 0.1000
Feb. 28, 2006 0.0900
2005
0.32 USD
Nov. 30, 2005 0.0900
Aug. 31, 2005 0.0800
May 31, 2005 0.0800
Feb. 28, 2005 0.0700
2004
0.24 USD
Nov. 30, 2004 0.0600
Aug. 31, 2004 0.0600
May 28, 2004 0.0600
Feb. 27, 2004 0.0600
2003
0.14 USD
Nov. 28, 2003 0.0500
Aug. 29, 2003 0.0500
May 30, 2003 0.0400
Upcoming Dividends
Name Payment Date Status Amount
Provident Financial Services, Inc. May 29, 2026 0.24 USD
Provident Financial Services, Inc. Feb 27, 2026 0.24 USD
Provident Financial Services, Inc. Nov 28, 2025 0.24 USD
Provident Financial Services, Inc. Aug 29, 2025 0.24 USD
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