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
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
FCF
Total debt
Cash
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
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
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
FCF
Total debt
Cash
Mar '26
$21M
$79M
0.0%
0.0%
$81M
—
$222M
Dec '25
$18M
$83M
0.0%
0.0%
$64M
—
$209M
Sep '25
$18M
$72M
0.0%
0.0%
$97M
—
$299M
Jun '25
$18M
$72M
0.0%
0.0%
$183M
—
$258M
Mar '25
$19M
$64M
0.0%
0.0%
$87M
—
$234M
Dec '24
$17M
$49M
0.0%
0.0%
$241M
—
$206M
Sep '24
$18M
$46M
0.0%
0.0%
$68M
—
$244M
Jun '24
$18M
-$11M
0.0%
0.0%
$76M
—
$290M
Mar '24
$16M
$32M
0.0%
0.0%
$41M
—
$158M
Dec '23
$14M
$27M
0.0%
0.0%
$45M
—
$180M
Sep '23
$14M
$29M
0.0%
0.0%
$39M
—
$189M
Jun '23
$15M
$32M
0.0%
0.0%
$25M
—
$209M
Mar '23
$15M
$41M
0.0%
0.0%
$57M
—
$234M
Dec '22
$13M
$49M
0.0%
0.0%
$41M
—
$186M
Sep '22
$14M
$43M
0.0%
0.0%
$54M
—
$183M
Jun '22
$14M
$39M
0.0%
0.0%
$53M
—
$277M
Mar '22
$15M
$44M
0.0%
0.0%
$42M
—
$428M
Dec '21
$14M
$37M
0.0%
0.0%
$29M
—
$685M
Sep '21
$14M
$37M
0.0%
0.0%
$31M
—
$458M
Jun '21
$15M
$45M
0.0%
0.0%
$48M
—
$652M
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× (Jun '26).
The price-to-sales ratio has fallen from 45.4× (Mar '23) to 42.1× (Jun '26).
The dividend yield has risen from 2.9% (Mar '23) to 4.1% (Jun '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?
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.