Provident Financial Services, Inc. (PFS) Earnings History
Steady Earner25 years of earnings data (2001–2025) · Positive but moderate multi-year EPS trajectory
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Provident Financial Services, Inc. (PFS) Earnings Overview
As of June 29, 2026, Provident Financial Services, Inc. (PFS) reported trailing twelve-month net income of $307M, reflecting +112.4% year-over-year growth. The company earned $2.35 per diluted share over the past four quarters, with a net profit margin of 21.1%.
Looking at the long-term picture, PFS's 5-year EPS compound annual growth rate (CAGR) stands at +9.9%, showing solid earnings momentum. The company achieved its highest annual net income of $291M in fiscal 2025, representing a new all-time high.
Provident Financial Services, Inc. maintains industry-leading profitability with a gross margin of 62.7%, operating margin of 29.5%, and net margin of 21.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), WSFS ($308M net income, 21.1% margin), OCFC ($70M net income, 10.8% margin), PFS has outperformed on profitability metrics. Compare PFS vs NBTB →
PFS Earnings vs Peers
Earnings metrics vs comparable public companies
PFS Historical Earnings Data (2001–2025)
25 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $291M | +152.0% | $408M | $2.23 | 21.1% | 29.5% |
| 2024 | $116M | -10.0% | $150M | $1.05 | 10.1% | 13.1% |
| 2023 | $128M | -26.9% | $176M | $1.71 | 18.5% | 25.3% |
| 2022 | $176M | +4.6% | $240M | $2.35 | 31.7% | 43.3% |
| 2021 | $168M | +73.2% | $227M | $2.19 | 34.3% | 46.4% |
| 2020 | $97M | -13.9% | $128M | $1.39 | 22.2% | 29.3% |
| 2019 | $113M | -4.9% | $147M | $1.74 | 25.9% | 33.8% |
| 2018 | $118M | +26.0% | $144M | $1.82 | 28.3% | 34.4% |
| 2017 | $94M | +7.0% | $140M | $1.45 | 24.8% | 37.0% |
| 2016 | $88M | +4.9% | $125M | $1.38 | 24.5% | 34.9% |
| 2015 | $84M | +13.7% | $120M | $1.33 | 24.1% | 34.6% |
| 2014 | $74M | +4.4% | $105M | $1.22 | 23.0% | 32.9% |
| 2013 | $71M | +4.9% | $106M | $1.23 | 23.8% | 35.7% |
| 2012 | $67M | +17.3% | $96M | $1.18 | 22.0% | 31.4% |
| 2011 | $57M | +15.4% | $77M | $1.01 | 18.6% | 25.0% |
| 2010 | $50M | +140.8% | $66M | $0.88 | 15.6% | 20.8% |
| 2009 | -$122M | -392.6% | -$115M | $-2.16 | -37.4% | -35.2% |
| 2008 | $42M | +11.4% | $57M | $0.74 | 12.4% | 16.8% |
| 2007 | $37M | -30.4% | $51M | $0.63 | 11.0% | 15.0% |
| 2006 | $54M | -8.2% | $77M | $0.87 | 17.1% | 24.5% |
| 2005 | $58M | +18.7% | $86M | $0.88 | 19.1% | 28.1% |
| 2004 | $49M | +163.0% | $69M | $0.80 | 19.1% | 26.5% |
| 2003 | $19M | -29.5% | $26M | $0.31 | 9.0% | 12.4% |
| 2002 | $27M | +10.4% | $36M | $0.43 | 13.2% | 18.0% |
| 2001 | $24M | - | $35M | $0.39 | 22.4% | 32.7% |
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PFS — Frequently Asked Questions
Quick answers to the most common questions about buying PFS stock.
What is PFS earnings per share (EPS)?
PFS trailing twelve-month (TTM) diluted EPS is $2.35, reflecting +112.4% year-over-year growth. The 5-year EPS CAGR is +9.9%. Complete EPS history from 2001 to 2025 is available in the table on this page.
What is Provident Financial Services, Inc.'s net income?
Provident Financial Services, Inc. (PFS) trailing twelve-month net income is $307M as of 2025. Earnings grew +112.4% year-over-year. Provident Financial Services, Inc. has been profitable for 16 consecutive years.
Is PFS profitable?
Yes, PFS is profitable with a TTM net income of $307M and a net profit margin of +21.1%. Provident Financial Services, Inc. has generated profits for 16 consecutive years.
What is PFS's earnings growth rate?
PFS compound annual EPS growth rates (CAGR): 1-Year: +112.4%, 3-Year: -1.7%, 5-Year: +9.9%, 10-Year: +5.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2001 to 2025.
What are PFS's profit margins?
Provident Financial Services, Inc. net profit margin is +21.1%, operating margin is +29.5%, and gross margin is +62.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.7%.
Is PFS growing earnings?
Yes, PFS earnings are accelerating — EPS growth of +112.4% exceeds the 5-year CAGR of +9.9%. TTM net income reached $307M. Earnings momentum is strengthening.
What was PFS's best earnings year?
Provident Financial Services, Inc.'s highest annual net income on record is $291M, achieved in fiscal year 2025. Earnings history on this page spans 2001 to 2025 and includes all annual and quarterly figures.
What were PFS's earnings last quarter?
PFS's most recent reported quarter was Q1 2026. Net income was $79M with diluted EPS of $0.61. For a full breakdown of all quarters, see the quarterly earnings table on this page.