Filing Flows › Provident Financial Services (PFS) › Q3 2026 › vs Q3 2025
Provident Financial Services (PFS) Q3 2026 vs Q3 2025 (year over year)
Provident Financial Services's revenue rose $16.8M (+8%) from $222M in Q3 2025 to $239M in Q3 2026. Operating margin 38.8% against 45.8% (-7.0 pts).
Provident Financial Services, Q3 2026: revenue $239M (+8% year over year), operating margin 38.8%, net earnings $69.2M, operating cash flow $56.2M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 38.8% | 45.8% | -7.0 pts |
| Net margin | 29.0% | 32.3% | -3.3 pts |
| Free cash flow margin | 20.1% | 43.6% | -23.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $239M | $222M | $16.8M | +8% |
| Operating profit | $92.6M | $102M | −$9.0M | -9% |
| Costs & expenses | $146M | $120M | $25.8M | +21% |
| Pre-tax earnings | $92.6M | $102M | −$9.0M | -9% |
| Net earnings | $69.2M | $71.7M | −$2.6M | -4% |
| Income tax | $23.5M | $29.9M | −$6.4M | -22% |
| Depreciation & amortization | $11.7M | $13.1M | −$1.3M | -10% |
| Working capital & other | $24.7M | −$13.2M | $38.0M | — |
| Operating cash flow | $56.2M | $98.0M | −$41.9M | -43% |
| Free cash flow (OCF − capex) | $47.9M | $96.7M | −$48.8M | -50% |
| Capital expenditures | $8.3M | $1.3M | $7.0M | +526% |
Questions
How much did Provident Financial Services's revenue grow year over year in Q3 2026?
Provident Financial Services's revenue rose $16.8M (+8%) from $222M in Q3 2025 to $239M in Q3 2026. Operating margin 38.8% against 45.8% (-7.0 pts).