Filing Flows › Provident Financial Services (PFS) › Q3 2026
Provident Financial Services (PFS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Provident Financial Services (PFS) reported revenue of $239M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +2% from the quarter before. Operating margin was 38.8%, net earnings $69.2M (29.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $239M | +2% | +8% |
| Operating profit | $92.6M | -13% | -9% |
| Net earnings | $69.2M | -12% | -4% |
| Operating cash flow | $56.2M | -53% | -43% |
| Free cash flow | $47.9M | -56% | -50% |
What changed
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.
Questions
What was Provident Financial Services' revenue in the third quarter 2026?
Provident Financial Services (PFS) reported revenue of $239M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +2% from the quarter before.
Was Provident Financial Services profitable in the third quarter 2026?
Operating profit was $92.6M (38.8% of revenue) and net earnings $69.2M.