PFS Earnings
Provident Financial Services Inc
$
18.200
- Overview
- Forecast
- Valuation
- Earnings
Earning Analysis
Welcome to our in-depth analysis of Provident Financial Services Inc(PFS) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Provident Financial Services Inc earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.
Earnings Forecast
Revenue
EPS
Currency: USD
Actual
Estimate
Surprise Analysis
| FY2025Q2 | 2025-07-24 | Pre-Market | 0.50 | 0.55 | +10.00 | 213.58M | 214.17M | +0.27 | +0.44 | +3.83 |
| FY2025Q1 | 2025-04-24 | After Hours | 0.47 | 0.50 | +6.38 | 207.03M | 208.67M | +0.79 | -2.01 | -3.02 |
| FY2024Q4 | 2025-01-28 | After Hours | 0.50 | 0.37 | -26.00 | 210.40M | 205.91M | -2.13 | -4.59 | -1.77 |
| FY2024Q3 | 2024-10-29 | After Hours | 0.46 | 0.36 | -21.74 | 214.33M | 210.56M | -1.76 | -0.89 | -0.83 |
| FY2024Q2 | 2024-07-25 | - | 0.28 | 0.06 | -78.57 | 166.32M | 163.78M | -1.52 | +3.11 | +3.00 |
| FY2024Q1 | 2024-04-18 | - | 0.40 | 0.43 | +7.50 | 114.50M | 114.48M | -0.02 | +0.95 | +14.17 |
| FY2023Q4 | 2024-01-25 | - | 0.40 | 0.36 | -10.00 | 114.30M | 114.76M | +0.40 | +0.68 | -5.70 |
| FY2023Q3 | 2023-10-26 | - | 0.33 | 0.38 | +15.15 | 117.70M | 115.56M | -1.82 | +3.54 | +2.53 |
| - | 2023-07-27 | - | 0.36 | 0.45 | +25.00 | - | - | - | -1.34 | -5.78 |
| - | 2023-04-27 | - | 0.59 | 0.54 | -8.47 | - | - | - | +1.10 | -9.76 |
PFS Earnings Analysis
Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Provident Financial Services Inc reported performance for FY2025Q2, announced on 2025-07-24. The company achieved an EPS of 0.55, compared to analyst estimates of 0.50 by 10.00% . Revenue for the quarter reached 214.17M compared to expectations of 213.58M by 0.27% .
The stock price reacted with a 0.44% one-day change and a 3.83% five-day change following the earnings release. These movements reflect market reaction in Provident Financial Services Inc growth trajectory and strategic initiatives.
PFS Earnings Forecast
Looking ahead, Provident Financial Services Inc(PFS) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q3 project quarter revenue of 220.90M and an EPS of 0.54.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Upward by 0.45%, while EPS estimates have been Revise Upward by 3.86%. For the upcoming Q3 2025, revenue estimates have been adjusted Revise Upward by 0.59% . These revisions correlate with a 2.19% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Provident Financial Services Inc long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.
Estimate Revision
The chart shows the correlation between PFS's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Upward
+0.45%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
+3.86%
In Past 3 Month
Revenue Estimates for Q3 2025
Revise Upward
+0.59%
In Past 3 Month
Stock Price
Go Up
+2.19%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
1Y
3Y
5Y
--
Revenue Estimate-Annual FY 2025:868.85M
--
EPS Estimate-Annual FY 2025:2.15
—
Stock Price18.20
PFS Revenue and EPS Performance: A Historical Perspective
Provident Financial Services Inc revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q2 (2025-07-24,Pre-Market):
EPS: 0.55 (Actual) vs.0.50 (Estimate) (10.00%)
Revenue: 214.17M (Actual) vs. 213.58M (Estimate) (0.27%)
Price Reaction: 0.44%(1-Day), 3.83%(5-Day)
FY2025Q1 (2025-04-24,After Hours):
EPS: 0.50 (Actual) vs.0.47 (Estimate) (6.38%)
Revenue: 208.67M (Actual) vs. 207.03M (Estimate) (0.79%)
Price Reaction: -2.01%(1-Day), -3.02%(5-Day)
FY2024Q4 (2025-01-28,After Hours):
EPS: 0.37 (Actual) vs.0.50 (Estimate) (-26.00%)
Revenue: 205.91M (Actual) vs. 210.40M (Estimate) (-2.13%)
Price Reaction: -4.59%(1-Day), -1.77%(5-Day)
Earnings Reaction
The chart below shows how PFS performed 10 days before and after its earnings report, based on data from the past quarters. Typically, PFS sees a -1.74% change in stock price 10 days leading up to the earnings, and a -2.94% change 10 days following the report. On the earnings day itself, the stock moves by +1.12%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in JUN/2025, the stock changed 3.76% on the day following the earnings release and then changed by -2.45% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.
Transcript Summary
Provident Financial Services Inc (PFS) Q2 2025 Earnings Call Summary
Positive
2025-07-24
The earnings report reveals strong financial performance with record revenue, improved NIM, and reduced nonperforming assets. The Q&A highlights optimism for NII growth and a stable loan pipeline. Despite slight concerns over wealth management fees and deposit competition, the overall sentiment is positive. The market cap suggests a moderate reaction, aligning with a positive sentiment prediction of 2% to 8% stock price increase.
Provident Financial Services Inc (PFS) Q1 2025 Earnings Call Summary
Neutral
2025-04-25
The earnings call presents mixed signals: strong core earnings and improved financial metrics are positive, but the increased non-performing loan ratio and write-down on foreclosed assets are concerning. The Q&A reveals some uncertainty, particularly regarding non-accrual loans and tariffs, which tempers optimism. The absence of a share repurchase program and a slight tax rate increase also contribute to a neutral outlook. Given the market cap of $1.78 billion, the stock is likely to experience a mild reaction, within the -2% to 2% range.
Provident Financial Services, Inc. (PFS) Q3 2024 Earnings Call Summary
Neutral
2024-10-30
The earnings call presents a mixed picture: financial performance is solid with increased earnings and revenue, and there's optimism about client activity and fee-based growth. However, concerns arise from increased nonperforming loans, higher deposit costs, and regulatory challenges post-merger. The Q&A section reveals management's reluctance to discuss certain risks, indicating potential uncertainties. Given the market cap of $1.77 billion, the stock is likely to react moderately, resulting in a neutral prediction (-2% to 2%) over the next two weeks.
Provident Financial Services, Inc. (PFS) Q2 2024 Earnings Call Summary
Neutral
2024-07-26
The earnings call summary presents a mixed picture. While there are positive aspects like strong non-interest income, successful merger integration, and high asset quality, there are significant concerns such as net loss due to merger costs, constrained loan growth, and increased credit loss provisions. The Q&A session revealed management's evasiveness on key issues, further adding uncertainty. The market cap indicates moderate sensitivity to earnings news. Considering these factors, the stock is likely to remain in the neutral range (-2% to 2%) over the next two weeks.
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FAQ
What were the key highlights of PFS’s latest earnings report for FY2025Q2?
PFS reported its FY2025Q2 earnings on 2025-07-24, showcasing a revenue of 214.17M against an estimate of 213.58M, resulting in a 0.27% surprise. The EPS was 0.55, surpassing the expected 0.5 by 10% . The stock experienced a 0.44% price change on the earnings day and a 3.83% change over the next five days, reflecting market reactions to the results.
How did PFS’s stock price react after the FY2025Q2 earnings release?
What are the revenue and EPS estimates for PFS for 2025/Q3?
How does PFS’s stock price correlate with earnings forecast revisions?
What should investors expect from PFS’s next earnings report?