Provident Financial Services, Inc. (PFS) Earnings History
Annual and quarterly earnings data from 2001 to 2025
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PFS EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PFS Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 62.7% | 29.5% | 21.1% |
| 2024 | 53.2% | 13.1% | 10.1% |
| 2023 | 64.8% | 25.3% | 18.5% |
| 2022 | 90.3% | 43.3% | 31.7% |
| 2021 | 97.2% | 46.4% | 34.3% |
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Provident Financial Services, Inc. (PFS) Earnings Overview
As of May 8, 2026, Provident Financial Services, Inc. (PFS) reported trailing twelve-month net income of $291M, reflecting +112.4% year-over-year growth. The company earned $2.23 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 ($169M net income, 19.5% margin), WSFS ($287M net income, 21.1% margin), OCFC ($71M 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% |
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Start ComparisonPFS — Frequently Asked Questions
Quick answers to the most common questions about buying PFS stock.
Is PFS growing earnings?
PFS EPS is $2.23, with earnings growth accelerating to +112.4%. This exceeds the 5-year CAGR of +9.9%. TTM net income reached $291M.
What are PFS's profit margins?
Provident Financial Services, Inc. net margin is +21.1%, with operating margin at +29.5%. Above-average margins indicate pricing power.
How consistent are PFS's earnings?
PFS earnings data spans 2001-2025. The accelerating earnings trend is +112.4% YoY. Historical data enables comparison across business cycles.