Provident Financial Services Reports Strong Q4 2025 Earnings with Record Revenue
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1d ago
0mins
Source: seekingalpha
- Record Revenue: Provident Financial Services reported net earnings of $83 million or $0.64 per share for Q4 2025, achieving total revenue of $226 million, which underscores the company's strong performance in sustained growth and profitability.
- Loan and Deposit Growth: The company generated $3.2 billion in new commercial loans in 2025, resulting in a net growth rate of 5.5%, with period-end loans and deposits increasing by $218 million and $182 million respectively, indicating robust market demand and competitive positioning.
- Noninterest Income Boost: Noninterest income reached $28.3 million in Q4, primarily driven by Provident Protection Plus and Beacon Trust, which enhances the company's revenue diversity and profitability.
- Future Outlook: Management anticipates loan and deposit growth of 4% to 6% in 2026, alongside a core system conversion that will incur approximately $5 million in nonrecurring charges, reflecting the company's confidence in future growth and strategic investments.
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Analyst Views on PFS
Wall Street analysts forecast PFS stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for PFS is 22.00 USD with a low forecast of 22.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 22.220
Low
22.00
Averages
22.00
High
22.00
Current: 22.220
Low
22.00
Averages
22.00
High
22.00
About PFS
Provident Financial Services, Inc. is the holding company for Provident Bank (the Bank). The Bank is a New Jersey-chartered capital stock savings bank operating full-service branch offices throughout New Jersey, Bucks, Lehigh and Northampton counties in Pennsylvania, as well as Orange, Queens and Nassau Counties in New York. The Bank attracts deposits from the general public and businesses primarily in the areas surrounding its banking offices and uses those funds, together with funds generated from operations and borrowings, to originate commercial real estate loans, commercial business loans, residential mortgage loans, and consumer loans. The Bank invests in mortgage-backed securities and other permissible investments. The Bank also provides fiduciary and wealth management services through its wholly owned subsidiary, Beacon Trust Company, and insurance services through its wholly owned subsidiary, Provident Protection Plus, Inc. The Bank has approximately 140 branches.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
PROVIDENT FINANCIAL SERVICES REPORTS Q4 REVENUE OF USD 225.7 MILLION, BEATING IBES ESTIMATE OF USD 207.6 MILLION
- Q4 Revenue Performance: Provident Financial Services reported a Q4 revenue of USD 225.7 million.
- Comparison to Estimates: This figure exceeds the Ibes estimate of USD 207.6 million.
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PROVIDENT FINANCIAL SERVICES REPORTS Q4 EPS OF USD 0.64
- Financial Services Overview: Provident Financial Services reported an earnings per share (EPS) of $0.64 for the fourth quarter.
- Performance Metrics: The EPS figure indicates the company's profitability and financial health during the specified period.
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