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Stocks · Financials · Savings Institution, Federally Chartered

PROVIDENT FINANCIAL SERVICES INC

PFS Clue Score55
United States Fiscal year ends December CIK 0001178970
$22.09 -0.59% Close, 9 Oct 2026
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Price $22.09 −10.60% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.04Net income0.09EPS, diluted1.38Fiscal year 2017Revenue0.04 +1.6%Net income0.09 +7.0%EPS, diluted1.45 +5.1%Fiscal year 2018Revenue0.04 +2.2%Net income0.12 +26.0%EPS, diluted1.82 +25.5%Fiscal year 2019Revenue0.04 +10.9%Net income0.11 −4.9%EPS, diluted1.74 −4.4%Fiscal year 2020Revenue0.05 +10.1%Net income0.10 −13.9%EPS, diluted1.39 −20.1%Fiscal year 2021Revenue0.06 +26.4%Net income0.17 +73.2%EPS, diluted2.19 +57.6%Fiscal year 2022Revenue0.05 −4.5%Net income0.18 +4.6%EPS, diluted2.35 +7.3%Fiscal year 2023Revenue0.06 +4.6%Net income0.13 −26.9%EPS, diluted1.71 −27.2%Fiscal year 2024Revenue0.07 +18.7%Net income0.12 −10.0%EPS, diluted1.05 −38.6%Fiscal year 2025Revenue0.07 +7.1%Net income0.29 +152.0%EPS, diluted2.23 +112.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.04 0.04 0.04 0.04 0.05 0.06 0.05 0.06 0.07 0.07
Growth +1.6% +2.2% +10.9% +10.1% +26.4% −4.5% +4.6% +18.7% +7.1%
Net income 0.09 0.09 0.12 0.11 0.10 0.17 0.18 0.13 0.12 0.29
Growth +7.0% +26.0% −4.9% −13.9% +73.2% +4.6% −26.9% −10.0% +152.0%
EPS, diluted 1.38 1.45 1.82 1.74 1.39 2.19 2.35 1.71 1.05 2.23
Growth +5.1% +25.5% −4.4% −20.1% +57.6% +7.3% −27.2% −38.6% +112.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin244.6%Free cash flow margin340.7%Fiscal year 2017Net margin257.5%Free cash flow margin312.5%Fiscal year 2018Net margin317.5%Free cash flow margin409.2%Fiscal year 2019Net margin272.4%Free cash flow margin319.3%Fiscal year 2020Net margin212.9%Free cash flow margin198.7%Fiscal year 2021Net margin291.7%Free cash flow margin248.5%Fiscal year 2022Net margin319.4%Free cash flow margin347.2%Fiscal year 2023Net margin223.2%Free cash flow margin288.4%Fiscal year 2024Net margin169.2%Free cash flow margin622.5%Fiscal year 2025Net margin398.3%Free cash flow margin589.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 244.6% 257.5% 317.5% 272.4% 212.9% 291.7% 319.4% 223.2% 169.2% 398.3%
Free cash flow margin 340.7% 312.5% 409.2% 319.3% 198.7% 248.5% 347.2% 288.4% 622.5% 589.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.13Capital expenditure−0.00Free cash flow0.12Buybacks−0.00Dividends paid−0.05Fiscal year 2017Operating cash flow0.12Capital expenditure−0.00Free cash flow0.11 −6.8%Buybacks−0.00Dividends paid−0.06Fiscal year 2018Operating cash flow0.16Capital expenditure−0.00Free cash flow0.15 +33.8%Buybacks−0.01Dividends paid−0.05Fiscal year 2019Operating cash flow0.14Capital expenditure−0.00Free cash flow0.13 −13.4%Buybacks−0.02Dividends paid−0.07Fiscal year 2020Operating cash flow0.10Capital expenditure−0.01Free cash flow0.09 −31.5%Buybacks−0.02Dividends paid−0.07Fiscal year 2021Operating cash flow0.16Capital expenditure−0.01Free cash flow0.14 +58.1%Buybacks−0.02Dividends paid−0.07Fiscal year 2022Operating cash flow0.20Capital expenditure−0.01Free cash flow0.19 +33.5%Buybacks−0.05Dividends paid−0.07Fiscal year 2023Operating cash flow0.17Capital expenditure−0.01Free cash flow0.17 −13.1%Buybacks0.00Dividends paid−0.07Fiscal year 2024Operating cash flow0.43Capital expenditure−0.00Free cash flow0.43 +156.2%Buybacks0.00Dividends paid−0.10Fiscal year 2025Operating cash flow0.44Capital expenditure−0.01Free cash flow0.43 +1.3%Buybacks0.00Dividends paid−0.13
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.13 0.12 0.16 0.14 0.10 0.16 0.20 0.17 0.43 0.44
Capital expenditure −0.00 −0.00 −0.00 −0.00 −0.01 −0.01 −0.01 −0.01 −0.00 −0.01
Free cash flow 0.12 0.11 0.15 0.13 0.09 0.14 0.19 0.17 0.43 0.43
Growth −6.8% +33.8% −13.4% −31.5% +58.1% +33.5% −13.1% +156.2% +1.3%
Buybacks −0.00 −0.00 −0.01 −0.02 −0.02 −0.02 −0.05 0.00 0.00 0.00
Dividends paid −0.05 −0.06 −0.05 −0.07 −0.07 −0.07 −0.07 −0.07 −0.10 −0.13

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash0.14Shareholders’ equity1.25Fiscal year 2017Cash0.19Shareholders’ equity1.30Fiscal year 2018Cash0.10Shareholders’ equity1.36Fiscal year 2019Cash0.15Shareholders’ equity1.41Fiscal year 2020Cash0.42Shareholders’ equity1.62Fiscal year 2021Cash0.69Shareholders’ equity1.70Fiscal year 2022Cash0.19Shareholders’ equity1.60Fiscal year 2023Cash0.18Shareholders’ equity1.69Fiscal year 2024Cash0.21Shareholders’ equity2.60Fiscal year 2025Cash0.21Shareholders’ equity2.83
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.14 0.19 0.10 0.15 0.42 0.69 0.19 0.18 0.21 0.21
Shareholders’ equity 1.25 1.30 1.36 1.41 1.62 1.70 1.60 1.69 2.60 2.83

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
347.6% 385.1% 386.0% 355.7% 280.1% 394.6% 436.7% 305.6% 219.1% 558.3%
244.6% 257.5% 317.5% 272.4% 212.9% 291.7% 319.4% 223.2% 169.2% 398.3%
340.7% 312.5% 409.2% 319.3% 198.7% 248.5% 347.2% 288.4% 622.5% 589.2%
Spending
13.9% 8.9% 8.5% 11.8% 28.2% 24.0% 17.1% 13.0% 1.9% 15.8%
29.6% 33.1% 17.7% 23.4% 24.0% 26.1% 26.8% 27.0% 22.8% 28.7%
Returns
7.0% 7.2% 8.7% 8.0% 6.0% 9.9% 11.0% 7.6% 4.4% 10.3%
0.9% 1.0% 1.2% 1.1% 0.8% 1.2% 1.3% 0.9% 0.5% 1.2%
Balance and payout
86.8% 86.8% 86.0% 85.6% 87.5% 87.7% 88.4% 88.1% 89.2% 88.7%
51.7% 63.8% 45.3% 64.6% 67.9% 42.6% 41.0% 56.4% 87.4% 43.2%
38.4% 53.0% 43.8% 70.2% 96.1% 64.5% 62.1% 43.7% 23.8% 29.2%