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Provident Financial Services (PFS) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Provident Financial Services (PFS) Q3 2026 earnings results →

Q3 2026 Revenue up 8% year over year to $239M · 29¢ of every $1 of revenue kept as net profit · operating margin 38.8%

Provident Financial Services made $239M in Q3 2026 (+8% Y/Y). Operating margin 38.8%, net earnings $69.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$239M
Year over year+8%
Operating margin38.8%
Net earnings$69.2M
Operating cash flow$56.2M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $238.5M in Q3 2026, up 8% year over year and up 2% from the previous quarter.

Operating profit was $92.6M, a 38.8% margin (down 7.0 points year over year). Operating profit fell $9.0M even though revenue rose $16.8M versus Q3 2025, so costs grew faster than sales. Total costs grew 21% against revenue growth of 8%. Net earnings were $69.2M, down 4% year over year. The effective tax rate was 25.3%.

Operating cash flow was $56.2M (down 43% year over year), 81% of net earnings. Non-cash charges added back $11.7M of depreciation and amortization. Working capital and other items used $24.7M. Capital expenditures of $8.3M left free cash flow of $47.9M.

Quarterly history

Provident Financial Services revenue by quarterProvident Financial Services revenue by quarter$209MQ1 2025$214MQ2 2025$222MQ3 2025$226MQ4 2025$225MQ1 2026$235MQ2 2026$239MQ3 2026
Provident Financial Services net earnings by quarterProvident Financial Services net earnings by quarter$64.0MQ1 2025$72.0MQ2 2025$71.7MQ3 2025$83.4MQ4 2025$79.4MQ1 2026$78.1MQ2 2026$69.2MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$239M+8%38.8%$69.2M$56.2M
Q2 202610-QAug 7, 2026$235M+10%45.2%$78.1M$119M
Q1 202610-QMay 8, 2026$225M+8%48.9%$79.4M$84.7M
Q4 202510-KFeb 27, 2026$226M+10%49.7%$83.4M$68.9M
Q3 202510-QNov 6, 2025$222M+5%45.8%$71.7M$98.0M
Q2 202510-QAug 7, 2025$214M+31%47.8%$72.0M$187M
Q1 202510-QMay 8, 2025$209M+82%44.0%$64.0M$88.5M

Charts

Provident Financial Services: revenue growth, year over year and quarter over quarterProvident Financial Services: revenue growth, year over year and quarter over quarterY/YQ/Q+82%Q1 2025+31%+3%Q2 2025+5%+4%Q3 2025+10%+2%Q4 2025+8%0%Q1 2026+10%+4%Q2 2026+8%+2%Q3 2026
Latest (Q3 2026): Y/Y +8%, Q/Q +2%.
Provident Financial Services: where the cash came from (+) and went (−), TTM to Q3 2026Provident Financial Services: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$1.1BNet borrowing (+) / repaid (−)$534MOther financing$360MOperating cash flow$329MDividends−$124MCash drawn (+) / kept (−)$35.6MCapital spending−$27.1MBuybacks−$10.3MAsset & business sales$2.8MTaxes on employees’ shares−$2.7MShares issued$1.5M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Provident Financial Services: profit against cash, quarter by quarterProvident Financial Services: profit against cash, quarter by quarterNet incomeOperating cash flow$48.5M$239MQ4 2024$64.0M$88.5MQ1 2025$72.0M$187MQ2 2025$71.7M$98.0MQ3 2025$83.4M$68.9MQ4 2025$79.4M$84.7MQ1 2026$78.1M$119MQ2 2026$69.2M$56.2MQ3 2026
Latest (Q3 2026): Net income $69.2M, Operating cash flow $56.2M.
Provident Financial Services: diluted shares by fiscal yearProvident Financial Services: diluted shares by fiscal year70MFY202077MFY202175MFY202275MFY2023110MFY2024131MFY2025
+87.4% since FY2020: more shares outstanding (issuance, stock pay).
Provident Financial Services in its industry: growth against margin (18 companies, SIC 6035)Provident Financial Services in its industry: growth against margin (18 companies, SIC 6035)revenue growth, year over year →↑ operating marginmedian +12%median 35%AXEBCBKUNRIMHTBKRNYPDLBFMAOBCBPWNEBFNRNFCAPPROVBYFCKFFBNSTSMGNOPFS (+8%, 39%)
Savings Institution, Federally Chartered; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Provident Financial Services

The Company is a Delaware corporation which became the holding company for Provident Bank (the “Bank”) on January 15, 2003, following the completion of the Bank's conversion to a New Jersey-chartered capital stock savings bank. On January 15, 2003, the Company issued an aggregate of 59,618,300 shares of its common stock, par value $0.01 per share in a subscription offering, and contributed $4.8 million in cash and 1,920,000 shares of its common stock, which amounted to $24.0 million in aggregate, to The Provident Bank Foundation, a charitable foundation established by the Bank. The Company recognized an expense, net of income tax benefit, equal to the cash and fair value of the stock during 2003. Conversion costs were deferred and deducted from the proceeds of the shares sold in the offering.

In its own words, from its 10-K, filed Feb 27, 2026.

Provident Financial Services against its Savings Institution, Federally Chartered peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +8%. Operating margin: 38.8% against the peers' median 37.1%.

CompanyQuarterRevenueY/YOp. margin
PFS Provident Financial ServicesQ3 2026$239M+8%38.8%
AX Axos FinancialQ1 FY27$395M+22%44.3%
EBC Eastern BanksharesQ3 2026$307M+27%45.7%
BKU BankUnitedQ3 2026$280M+2%34.6%
NRIM Northrim BancorpQ3 2026$69.9M-9%26.8%
HTB HomeTrust BancsharesQ3 2026$55.5M+3%37.1%
KRNY Kearny FinancialQ1 FY27$45.3M+4%28.0%
PDLB Ponce Financial GroupQ3 2026$34.8M+30%35.5%
FMAO Farmers & Merchants BancorpQ3 2026$34.8M+11%40.8%

Source: Provident Financial Services 10-Q on SEC EDGAR · CIK 1178970 · Savings Institution, Federally Chartered

Guidance and outlook

Provident Financial Services: what its forward-looking statements are about (10-Q filed 2026-11-06)Provident Financial Services: what its forward-looking statements are about (10-Q filed 2026-11-06)The economy10Other4Supply chain4Financing1Costs1
20 statements; tone -0.60 (−1 all cautious, +1 all confident); 4 hedged.
Provident Financial Services: outlook statements against the filing beforeProvident Financial Services: outlook statements against the filing beforeCautious12

13F: who owns PFS and who is buying

Largest holders of PFS (13F)Largest holders of PFS (13F)BlackRock$455MVanguard Group$282MVanguard Portfolio Management LLC$195MDimensional Fund Advisors LP$193MState Street$190MVanguard Capital Management LLC$133MAmerican Century Companies$101MGeode Capital Management, LLC$82.6MWellington Management Group LLP$73.3MMillennium Management LLC$54.3M
Funds' net buying of PFS by quarter (13F)Funds' net buying of PFS by quarter (13F)−$13.2M2024-09$3.0M2024-12−$709K2025-03$50.4M2025-06$12.1M2025-09$44.3M2025-12$31.2M2026-03$77.7M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on PFS

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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