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PFS Financials Provident Financial Services Inc

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 9.9% per year over the past 5 years.
  • Net income has grown faster than revenue (24.6% vs 9.9% per year).
  • Free cash flow has grown 36.6% per year over the past 5 years.

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 43.3% of earnings and 29.2% of free cash flow.
  • The dividend has grown 13.9% per year over the past 5 years.
Revenue & net income
$0 $146M $291M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 199% 398% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $215M $431M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $343M $685M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$1B -$153M $747M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $73M $291M 0.0% 0.0% $431M $209M
2024 $68M $116M 0.0% 0.0% $425M $206M
2023 $58M $128M 0.0% 0.0% $166M $180M
2022 $55M $176M 0.0% 0.0% $191M $186M
2021 $58M $168M 0.0% 0.0% $143M $685M
2020 $46M $97M 0.0% 0.0% $90M $418M
2019 $41M $113M 0.0% 0.0% $132M $146M
2018 $37M $118M 0.0% 0.0% $153M $105M
2017 $36M $94M 0.0% 0.0% $114M $191M
2016 $36M $88M 0.0% 0.0% $122M $144M
2015 $84M $109M $102M
2014 $74M $85M $104M
2013 $71M $112M $101M
2012 $67M $101M $104M
2011 $57M $85M $70M

Valuation over time

How the market has priced PFS against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 11.1 22.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 24.0 47.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 2.4 4.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is PFS growing its revenue and profit?

Over the past 5 years, Provident Financial Services Inc's revenue has grown 9.9% per year, and net income grown 24.6% per year. These are computed facts, not advice.

How much debt does PFS have?

As of FY2025, Provident Financial Services Inc reported — of total debt against $209M of cash.

What is PFS's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 398.0%.

What is PFS's P/E ratio?

As of Jun '26, Provident Financial Services Inc traded at a price-to-earnings ratio of about 10.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.