Filing Flows › Provident Financial Services (PFS) › Q4 2025
Provident Financial Services (PFS) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Provident Financial Services (PFS) reported revenue of $226M for the fourth quarter 2025 (Q4 2025), +10% from a year earlier and +2% from the quarter before. Operating margin was 49.7%, net earnings $83.4M (37.0% of revenue).
Provident Financial Services, Q4 2025: revenue $226M (+10% year over year), operating margin 49.7%, net earnings $83.4M, operating cash flow $68.9M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $226M | +2% | +10% |
| Operating profit | $112M | +10% | +79% |
| Net earnings | $83.4M | +16% | +72% |
| Operating cash flow | $68.9M | -30% | -71% |
| Free cash flow | $64.1M | -34% | -73% |
What changed
Revenue was $225.7M in Q4 2025, up 10% year over year and up 2% from the previous quarter.
Operating profit was $112.2M, a 49.7% margin (up 19.3 points year over year). Of the extra revenue versus a year earlier, 250% reached operating profit, above the 30% margin then. Total costs fell 21% while revenue rose 10%. Net earnings were $83.4M, up 72% year over year. The effective tax rate was 25.7%.
Operating cash flow was $68.9M (down 71% year over year), 83% of net earnings. Non-cash charges added back $11.9M of depreciation and amortization. Working capital and other items used $26.4M. Capital expenditures of $4.9M left free cash flow of $64.1M.
Questions
What was Provident Financial Services' revenue in the fourth quarter 2025?
Provident Financial Services (PFS) reported revenue of $226M for the fourth quarter 2025 (Q4 2025), +10% from a year earlier and +2% from the quarter before.
Was Provident Financial Services profitable in the fourth quarter 2025?
Operating profit was $112M (49.7% of revenue) and net earnings $83.4M.