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Provident Financial Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$47.9M in Q3 2026 · $302M over twelve months

Operating cash flow$56.2M
Capital spending−$8.3M
Free cash flow+$47.9M
Cash / net income0.8×

Analysis

In Q3 2026, Provident Financial Services generated $56.2M of operating cash flow and spent $8.3M on capital projects, leaving free cash flow of $47.9M. That is $48.8M less than in Q3 2025 ($96.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $329M; the largest uses were other investing ($1.1B), dividends ($124M), capital spending ($27.1M); besides operations, cash came from net borrowing (+) / repaid (−) ($534M), other financing ($360M); the cash balance fell by $35.6M.

Operating cash flow was $56.2M against net income of $69.2M — 0.8× profit, less cash than reported earnings, worth checking against working capital. The largest differences: other liabilities −$36.8M, prepaid and other assets −$18.6M, depreciation & amortization +$11.7M.

Free cash flow

Provident Financial Services: free cash flow by quarterProvident Financial Services: free cash flow by quarter$241MQ4 2024$87.4MQ1 2025$183MQ2 2025$96.7MQ3 2025$64.1MQ4 2025$81.0MQ1 2026$109MQ2 2026$47.9MQ3 2026
Operating cash flow less capital spending.
Provident Financial Services: operating cash flow against capital spendingProvident Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$239M−$1.5MQ4 2024$88.5M$1.1MQ1 2025$187M$4.2MQ2 2025$98.0M$1.3MQ3 2025$68.9M$4.9MQ4 2025$84.7M$3.7MQ1 2026$119M$10.2MQ2 2026$56.2M$8.3MQ3 2026
Latest (Q3 2026): Operating cash flow $56.2M, Capital spending $8.3M.

Capital allocation, year by year

Provident Financial Services: where the cash came from (up) and went (down), by fiscal yearProvident Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $157MFY2021: Net borrowing $905MFY2021: Shares issued $887KFY2021: Asset sales $42KFY2021: Capital spending −$13.8MFY2021: Buybacks −$20.7MFY2021: Dividends −$71.5M$1.1BFY2021FY2022: Operating cash flow $200MFY2022: Net borrowing $711MFY2022: Asset sales $22KFY2022: Capital spending −$9.4MFY2022: Buybacks −$46.5MFY2022: Dividends −$72.0M$911MFY2022FY2023: Operating cash flow $173MFY2023: Net borrowing $633MFY2023: Shares issued $790KFY2023: Asset sales $105KFY2023: Capital spending −$7.5MFY2023: Dividends −$72.4M$807MFY2023FY2024: Operating cash flow $426MFY2024: Net borrowing −$1.4BFY2024: Capital spending −$1.3MFY2024: Dividends −$101M$426MFY2024FY2025: Operating cash flow $442MFY2025: Net borrowing −$58.5MFY2025: Asset sales $2.3MFY2025: Capital spending −$11.5MFY2025: Dividends −$126M$445MFY2025
Over these 5 years operating cash flow totalled $1.4B; the largest uses were net borrowing ($1.4B) and dividends ($443M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$266M
Debtnone
Net cash$266M

Provident Financial Services funds itself: free cash flow was $302M over the last twelve months, with $266M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Provident Financial Services: sources (+) and uses (−) of cash, Q3 2026Provident Financial Services: sources (+) and uses (−) of cash, Q3 2026Other financing$262MOther investing−$224MOperating cash flow$56.2MCash drawn (+) / kept (−)−$37.7MDividends−$31.3MNet borrowing (+) / repaid (−)−$16.7MCapital spending−$8.3MTaxes on employees’ shares−$48KAsset & business sales$1K
Provident Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Provident Financial Services: sources (+) and uses (−) of cash, 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 profit to cash

Provident Financial Services: net income to operating cash flow, Q3 2026Provident Financial Services: net income to operating cash flow, Q3 2026Net income$69.2MDepreciation & amortization$11.7MDeferred taxes$10.0MGains on disposals−$1KPrepaid and other assets−$18.6MOther liabilities−$36.8MOperating cash flow$56.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$56.2M−$8.3M—−$31.3M−$16.7M—−$37.7M$47.9M
Q2 2026$119M−$10.2M—−$30.4M−$75.4M$114K−$6.2M$109M
Q1 2026$84.7M−$3.7M−$10.3M−$31.4M$371M$1.4M−$10.6M$81.0M
Q4 2025$68.9M−$4.9M—−$31.3M$307M—$90.1M$64.1M
Q3 2025$98.0M−$1.3M—−$31.3M−$115M—−$42.7M$96.7M
Q2 2025$187M−$4.2M—−$31.3M$38.5M—−$24.8M$183M
Q1 2025$88.5M−$1.1M—−$31.9M$316M—−$28.1M$87.4M
Q4 2024$239M$1.5M—−$32.4M−$527M—$38.1M$241M

Provident Financial Services: income statement and cash flow

Provident Financial Services, Q3 2026: revenue $239M (+8% year over year), operating margin 38.8%. The chart follows the revenue to costs, profit and cash.

Provident Financial Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.