Provident Financial Services, Inc.

PFS

$23.56

+0.73%

N/A+$0.17

Financial Services

Banks - Regional

NYSE

Active Trading

Provident Financial Services, Inc. functions as the parent company for Provident Bank, delivering a broad spectrum of financial products and services to ...

Financial Highlights of PFS

Profitability trend

Latest / TTM · 6 periods

Gross Margin

63.2%

Net Margin

22.7%

P/E Ratio

9.82x

n/a

Debt / Equity

1.65

n/a

Current Ratio

0.00

Dividend Yield

4.1%

Understanding

TTM —

Current ratio below 1.0

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

63.2%

Net Margin

22.7%

P/E Ratio

9.82x

Debt / Equity

1.65

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	97.2%	90.3%	64.8%	53.2%	62.7%	—
Operating MarginOperating income as a percentage of revenue.	46.4%	43.3%	25.3%	13.1%	29.5%	—
Net MarginNet income as a percentage of revenue.	34.3%	31.7%	18.5%	10.1%	21.1%	—
EBITDA MarginEBITDA divided by revenue.	51.1%	47.6%	28.5%	17.9%	34.3%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	46.4%	43.3%	25.3%	13.1%	29.5%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.25	0.19	0.19	0.16	0.18	—
Quick RatioLiquid assets divided by current liabilities.	0.25	0.19	0.19	0.16	0.18	—
Cash RatioCash and equivalents divided by current liabilities.	0.06	0.02	0.02	0.01	0.01	—
Debt / AssetsDebt as a share of total assets.	4.6%	9.8%	10.8%	10.1%	10.1%	—
Debt / EquityDebt compared with shareholder equity.	0.38	0.84	0.91	0.93	0.89	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	11.65x	10.67x	11.80x	12.51x	14.43x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Asset TurnoverRevenue generated per dollar of assets.	0.04x	0.04x	0.05x	0.05x	0.06x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.06x	-0.06x	-0.08x	-0.09x	-0.09x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	11.01x	9.09x	10.48x	17.97x	8.86x	—
P/B RatioPrice paid for each dollar of book value.	1.09x	1.00x	0.80x	0.80x	0.91x	—
P/S RatioPrice paid for each dollar of sales.	3.79x	2.88x	1.94x	1.81x	1.86x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	12.95x	8.36x	8.13x	4.87x	5.98x	—
Dividend YieldAnnual dividend divided by current share price.	3.9%	4.5%	5.4%	4.9%	4.9%	—

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