Filing Flows › Provident Financial Services (PFS) › Q3 2025
Provident Financial Services (PFS) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Provident Financial Services (PFS) reported revenue of $222M for the third quarter 2025 (Q3 2025), +5% from a year earlier and +4% from the quarter before. Operating margin was 45.8%, net earnings $71.7M (32.3% of revenue).
Provident Financial Services, Q3 2025: revenue $222M (+5% year over year), operating margin 45.8%, net earnings $71.7M, operating cash flow $98.0M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $222M | +4% | +5% |
| Operating profit | $102M | -0.8% | +56% |
| Net earnings | $71.7M | -0.4% | +55% |
| Operating cash flow | $98.0M | -48% | +42% |
| Free cash flow | $96.7M | -47% | +42% |
What changed
Revenue was $221.8M in Q3 2025, up 5% year over year and up 4% from the previous quarter.
Operating profit was $101.6M, a 45.8% margin (up 14.8 points year over year). Of the extra revenue versus a year earlier, 325% reached operating profit, above the 31% margin then. Total costs fell 17% while revenue rose 5%. Net earnings were $71.7M, up 55% year over year. The effective tax rate was 29.4%.
Operating cash flow was $98.0M (up 42% year over year), 137% of net earnings. Non-cash charges added back $13.1M of depreciation and amortization. Working capital and other items added $13.2M. Capital expenditures of $1.3M left free cash flow of $96.7M.
Questions
What was Provident Financial Services' revenue in the third quarter 2025?
Provident Financial Services (PFS) reported revenue of $222M for the third quarter 2025 (Q3 2025), +5% from a year earlier and +4% from the quarter before.
Was Provident Financial Services profitable in the third quarter 2025?
Operating profit was $102M (45.8% of revenue) and net earnings $71.7M.