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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
$73M
$291M
0.0%
0.0%
10.3%
1.2%
$431M
—
$209M
2024
$68M
$116M
0.0%
0.0%
4.5%
0.5%
$425M
—
$206M
2023
$58M
$128M
0.0%
0.0%
7.6%
0.9%
$166M
—
$180M
2022
$55M
$176M
0.0%
0.0%
11.0%
1.3%
$191M
—
$186M
2021
$58M
$168M
0.0%
0.0%
9.9%
1.2%
$143M
—
$685M
2020
$46M
$97M
0.0%
0.0%
6.0%
0.8%
$90M
—
$418M
2019
$41M
$113M
0.0%
0.0%
8.0%
1.1%
$132M
—
$146M
2018
$37M
$118M
0.0%
0.0%
8.7%
1.2%
$153M
—
$105M
2017
$36M
$94M
0.0%
0.0%
7.2%
1.0%
$114M
—
$191M
2016
$36M
$88M
0.0%
0.0%
7.0%
0.9%
$122M
—
$144M
2015
—
$84M
—
—
7.0%
0.9%
$109M
—
$102M
2014
—
$74M
—
—
6.4%
0.9%
$85M
—
$104M
2013
—
$71M
—
—
7.0%
0.9%
$112M
—
$101M
2012
—
$67M
—
—
6.9%
0.9%
$101M
—
$104M
2011
—
$57M
—
—
6.0%
0.8%
$85M
—
$70M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
$20M
$78M
0.0%
0.0%
2.7%
0.3%
$109M
—
$228M
Mar '26
$21M
$79M
0.0%
0.0%
2.8%
0.3%
$81M
—
$222M
Dec '25
$18M
$83M
0.0%
0.0%
2.9%
0.3%
$64M
—
$209M
Sep '25
$18M
$72M
0.0%
0.0%
2.6%
0.3%
$97M
—
$299M
Jun '25
$18M
$72M
0.0%
0.0%
2.7%
0.3%
$183M
—
$258M
Mar '25
$19M
$64M
0.0%
0.0%
2.4%
0.3%
$87M
—
$234M
Dec '24
$17M
$49M
0.0%
0.0%
1.9%
0.2%
$241M
—
$206M
Sep '24
$18M
$46M
0.0%
0.0%
1.8%
0.2%
$68M
—
$244M
Jun '24
$18M
-$11M
0.0%
0.0%
-0.4%
-0.0%
$76M
—
$290M
Mar '24
$16M
$32M
0.0%
0.0%
1.9%
0.2%
$41M
—
$158M
Dec '23
$14M
$27M
0.0%
0.0%
1.6%
0.2%
$45M
—
$180M
Sep '23
$14M
$29M
0.0%
0.0%
1.8%
0.2%
$39M
—
$189M
Jun '23
$15M
$32M
0.0%
0.0%
1.9%
0.2%
$25M
—
$209M
Mar '23
$15M
$41M
0.0%
0.0%
2.5%
0.3%
$57M
—
$234M
Dec '22
$13M
$49M
0.0%
0.0%
3.1%
0.4%
$41M
—
$186M
Sep '22
$14M
$43M
0.0%
0.0%
2.8%
0.3%
$54M
—
$183M
Jun '22
$14M
$39M
0.0%
0.0%
2.5%
0.3%
$53M
—
$277M
Mar '22
$15M
$44M
0.0%
0.0%
2.7%
0.3%
$42M
—
$428M
Dec '21
$14M
$37M
0.0%
0.0%
2.2%
0.3%
$29M
—
$685M
Sep '21
$14M
$37M
0.0%
0.0%
2.2%
0.3%
$31M
—
$458M
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.
The price-to-earnings ratio has fallen from 14.2× (Mar '23) to 10.6× (Nov '26).
The price-to-sales ratio has fallen from 45.5× (Mar '23) to 42.0× (Nov '26).
The dividend yield has risen from 2.9% (Mar '23) to 4.1% (Nov '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
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?
Provident Financial Services Inc's P/E (TTM) is 9.82 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the PFS stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 10.6× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.