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Banks · Financial Services · Fiscal year ends Dec 31
Provident Financial Services reported revenue of $73M in the fiscal year ended Dec 2025, up 7.1% from the year before. Net income was $291M. Operating cash flow of $442M less capital expenditure of $12M left free cash flow of $431M.
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 57.6 | 55.0 | 57.5 | 68.3 | 73.1 |
| Net interest incomeBanks | 366 | 418 | 399 | 601 | 761 |
| Interest expense | 36.3 | 48.6 | 216 | 446 | 512 |
| Pre-tax income | 227 | 240 | 176 | 150 | 408 |
| Income tax | 59.2 | 64.5 | 47.4 | 34.1 | 117 |
| Net income | 168 | 176 | 128 | 116 | 291 |
| Diluted EPS | 2.19 | 2.35 | 1.71 | 1.05 | 2.23 |
| Diluted shares | 76.6 | 74.8 | 74.9 | 110 | 131 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 685 | 186 | 180 | 206 | 209 |
| Net PP&E | 80.6 | 79.8 | 71.0 | 120 | 113 |
| Goodwill | 444 | 444 | 444 | 624 | 624 |
| Total assets | 13,781 | 13,783 | 14,211 | 24,052 | 24,981 |
| DepositsBanks | 11,234 | 10,563 | 10,293 | 18,624 | 19,279 |
| Total liabilities | 12,084 | 12,186 | 12,520 | 21,451 | 22,147 |
| Shareholders' equity | 1,697 | 1,598 | 1,691 | 2,601 | 2,833 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 157 | 200 | 173 | 426 | 442 |
| Capital expenditure | 13.8 | 9.4 | 7.5 | 1.3 | 11.5 |
| Free cash flow | 143 | 191 | 166 | 425 | 431 |
| Depreciation & amortisation | 12.7 | 13.1 | 11.7 | 41.5 | 51.3 |
| Share buybacks | 20.7 | 46.5 | 0.0 | 0.0 | 0.0 |
| Dividends paid | 71.5 | 72.0 | 72.4 | 101 | 126 |
| Dividend per share | 0.92 | 0.96 | 0.96 | 0.96 | 0.96 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | −4.5% | 4.6% | 18.7% | 7.1% |
| EPS growth (YoY) | – | 7.3% | −27.2% | −38.6% | 112.4% |
| Net margin | 291.7% | 319.4% | 223.2% | 169.2% | 398.3% |
| Return on equityBlank when equity is negative | 9.9% | 11.0% | 7.6% | 4.4% | 10.3% |
| Free cash flow margin | 248.5% | 347.2% | 288.4% | 622.5% | 589.2% |
| Cash conversion (CFO ÷ net income) | 0.93x | 1.14x | 1.35x | 3.69x | 1.52x |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.