← PROVIDENT FINANCIAL SERVICES INC PFS
Market Price
$24.63
Market Cap
$3.26B
P/E Ratio
11.04
Revenue (FY 2025)
↑16.7% YoY
$109.84M
3-Yr CAGR: 7.8%
Net Income
↑152.0% YoY
$291.16M
Net Margin: 265.1%
Free Cash Flow
↑1.3% YoY
$430.73M
FCF Yield: 13.22%
EPS (Diluted)
↑112.4% YoY
$2.23
Basic: $2.23
Return on Equity
Efficiency
10.3%
ROA: 1.2%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (PFS)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2019: Revenue YoY (+10.9%) is identical to Gross Profit YoY (+10.9%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (+10.1%) is identical to Gross Profit YoY (+10.1%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2024: Revenue YoY (+17.9%) is identical to Gross Profit YoY (+17.9%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+16.7%) is identical to Gross Profit YoY (+16.7%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $258.6M | — | $214.8M | $87.8M | — | $1.38 | — | $127.3M | $122.3M | — |
| FY 2017 | $278.2M | +7.6% | $232.6M | $93.9M | +7.0% | $1.45 | +5.1% | $117.2M | $114.0M | -6.8% |
| FY 2018 | $37.3M | -86.6% | $37.3M | $118.4M | +26.0% | $1.82 | +25.5% | $155.7M | $152.6M | +33.8% |
| FY 2019 | $41.4M | +10.9% | $41.4M | $112.6M | -4.9% | $1.74 | -4.4% | $136.9M | $132.0M | -13.4% |
| FY 2020 | $45.5M | +10.1% | $45.5M | $97.0M | -13.9% | $1.39 | -20.1% | $106.9M | $94.1M | -28.7% |
| FY 2021 | $86.8M | +90.7% | $50.5M | $167.9M | +73.2% | $2.19 | +57.6% | $158.2M | $144.4M | +53.5% |
| FY 2022 | $87.8M | +1.1% | $39.2M | $175.6M | +4.6% | $2.35 | +7.3% | $200.3M | $190.9M | +32.2% |
| FY 2023 | $79.8M | -9.1% | $79.8M | $128.4M | -26.9% | $1.71 | -27.2% | $173.4M | $165.9M | -13.1% |
| FY 2024 | $94.1M | +17.9% | $94.1M | $115.5M | -10.0% | $1.05 | -38.6% | $426.4M | $425.1M | +156.2% |
| FY 2025 | $109.8M | +16.7% | $109.8M | $291.2M | +152.0% | $2.23 | +112.4% | $442.3M | $430.7M | +1.3% |
Valuation
Market Price
$24.63
Market Cap
$3.26B
Enterprise Value
N/A
P/E Ratio
11.04
P/B Ratio
1.13
FCF Yield
13.22%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
17.66%
Operating Margin
371.61%
Net Margin
265.09%
Return on Equity (ROE)
10.28%
Return on Assets (ROA)
1.17%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
7.75%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$209.06M
Total Debt
N/A
Book Value / Share
$21.74
Cash Flow Efficiency
Operating Cash Flow
$442.26M
Capital Expenditures (CapEx)
$11.54M
Free Cash Flow
$430.73M
OCF / Revenue
402.66%
FCF / Revenue
392.15%
FCF 3-Yr CAGR
31.16%
Per Share Metrics
EPS (Diluted)
$2.23
EPS (Basic)
$2.23
Dividends / Share
N/A
Book Value / Share
$21.74
EPS YoY Growth
112.38%
Balance Sheet (FY 2025)
Total Assets
$24.98B
Total Liabilities
$22.15B
Stockholders' Equity
$2.83B
Current Assets
N/A
Current Liabilities
N/A