What is Provident Finl's earnings per share (EPS)?

Provident Finl (PFS) reported diluted earnings per share of $2.23 for fiscal year 2025. This represents a 112.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Provident Finl Financials

PFS

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Provident Finl (PFS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PFS FY2025 2026-05-08

Profitability has finally caught up with a much larger balance sheet, while equity remains the main buffer in this leveraged model.

After the FY2024 balance-sheet expansion, return on assets rebounded from 0.5% to 1.2%, showing the earnings recovery came from better productivity of existing assets rather than another burst of growth. FY2024 had already done the enlarging; the next year is when that larger platform started generating stronger returns.

In FY2024, operating cash flow was $426M against $116M of net income. The same pattern continued the next year, and with capex only $11.5M, the business looks balance-sheet intensive rather than physically capital intensive.

Leverage is still the central operating constraint: liabilities were 7.8x equity, only modestly below the prior year's 8.2x. With cash at $209M against $22.1B of liabilities, equity and retained earnings matter more than the cash balance as the buffer.

Financial Health Signals

Financial Profile 31/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Provident Finl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Provident Finl's revenue grew 7.1% year-over-year to $73.1M, a solid pace of expansion. This earns a growth score of 55/100.

Leverage

Provident Finl has elevated debt relative to equity (D/E of 7.82), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Provident Finl converts 589.1% of revenue into free cash flow ($430.7M). This strong cash generation earns a score of 100/100.

Returns

Provident Finl generates a 10.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is up from 4.5% the prior year.

Piotroski F-Score Neutral

5/9

Provident Finl passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.52x

For every $1 of reported earnings, Provident Finl generates $1.52 in operating cash flow ($442.3M OCF vs $291.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$73.1M

YoY+7.1%

5Y CAGR+9.9%

10Y CAGR-12.9%

Provident Finl generated $73.1M in revenue in fiscal year 2025. This represents an increase of 7.1% from the prior year.

EBITDA

N/A

Net Income

$291.0M

YoY+150.9%

5Y CAGR+24.6%

10Y CAGR+13.3%

Provident Finl reported $291.0M in net income in fiscal year 2025. This represents an increase of 150.9% from the prior year.

EPS (Diluted)

$2.23

YoY+112.4%

5Y CAGR+9.9%

10Y CAGR+5.3%

Provident Finl earned $2.23 per diluted share (EPS) in fiscal year 2025. This represents an increase of 112.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$430.7M

YoY+1.3%

5Y CAGR+36.6%

10Y CAGR+14.7%

Provident Finl generated $430.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 1.3% from the prior year.

Cash & Debt

$209.1M

YoY+1.5%

5Y CAGR-12.9%

10Y CAGR+7.4%

Provident Finl held $209.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.96

YoY+0.0%

5Y CAGR+0.9%

Provident Finl paid $0.96 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

131M

YoY+0.2%

5Y CAGR+10.9%

10Y CAGR+7.1%

Provident Finl had 131M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

398.0%

YoY+228.2pp

5Y CAGR+185.1pp

10Y CAGR+369.3pp

Provident Finl's net profit margin was 398.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 228.2 percentage points from the prior year.

Return on Equity

10.3%

YoY+5.8pp

5Y CAGR+4.3pp

10Y CAGR+3.3pp

Provident Finl's ROE was 10.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

Provident Finl spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$11.5M

YoY+782.9%

5Y CAGR-2.1%

10Y CAGR+6.9%

Provident Finl invested $11.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 782.9% from the prior year.

PFS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$73.1M+7.1%	$68.3M+18.7%	$57.5M+4.6%	$55.0M-4.5%	$57.6M+26.4%	$45.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$253.1M+15.9%	$218.3M+47.0%	$148.5M+0.9%	$147.2M+2.7%	$143.4M+9.6%	$130.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$512.2M+15.0%	$445.5M+105.9%	$216.4M+344.9%	$48.6M+33.9%	$36.3M-28.4%	$50.7M
Income Tax	$117.0M+243.2%	$34.1M-28.1%	$47.4M-26.5%	$64.5M+8.9%	$59.2M+93.4%	$30.6M
Net Income	$291.0M+150.9%	$116.0M-9.4%	$128.0M-27.3%	$176.0M+4.8%	$168.0M+73.3%	$97.0M
EPS (Diluted)	$2.23+112.4%	$1.05-38.6%	$1.71-27.2%	$2.35+7.3%	$2.19+57.6%	$1.39

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$20.6M+13.0%	$18.2M+2.9%	$17.7M-3.0%	$18.3M-3.1%	$18.9M+14.3%	$16.5M-7.5%	$17.9M+1.2%	$17.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$66.2M+2.9%	$64.3M+1.8%	$63.2M-0.1%	$63.2M+1.4%	$62.4M+4.1%	$59.9M-5.6%	$63.5M+15.6%	$54.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$121.3M-4.8%	$127.4M-3.4%	$131.9M+2.1%	$129.2M+4.5%	$123.6M-5.1%	$130.2M-6.2%	$138.8M+30.6%	$106.3M
Income Tax	$30.8M+6.7%	$28.8M-3.6%	$29.9M-1.9%	$30.5M+9.5%	$27.8M+96.2%	$14.2M-24.7%	$18.9M+291.7%	-$9.8M
Net Income	$79.4M-4.6%	$83.3M+16.1%	$71.7M-0.4%	$72.0M+12.4%	$64.0M+30.7%	$49.0M+5.6%	$46.4M+504.0%	-$11.5M
EPS (Diluted)	$0.61	N/A	$0.550.0%	$0.55+12.2%	$0.49	N/A	$0.36+427.3%	$-0.11

PFS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$25.0B+3.9%	$24.1B+69.3%	$14.2B+3.1%	$13.8B0.0%	$13.8B+6.7%	$12.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$209.1M+1.5%	$205.9M+14.3%	$180.2M-3.4%	$186.4M-72.8%	$685.2M+63.9%	$418.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$624.1M0.0%	$624.1M+40.7%	$443.6M0.0%	$443.6M0.0%	$443.6M+0.1%	$443.0M
Total Liabilities	$22.1B+3.2%	$21.5B+71.3%	$12.5B+2.7%	$12.2B+0.8%	$12.1B+6.9%	$11.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.8B+8.9%	$2.6B+53.9%	$1.7B+5.8%	$1.6B-5.9%	$1.7B+4.8%	$1.6B
Retained Earnings	$1.2B+16.7%	$989.1M+1.5%	$974.5M+6.1%	$918.2M+12.7%	$814.5M+13.4%	$718.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$25.2B+0.9%	$25.0B+0.6%	$24.8B+1.2%	$24.5B+1.3%	$24.2B+0.7%	$24.1B0.0%	$24.0B-0.1%	$24.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$222.1M+6.2%	$209.1M-30.1%	$299.2M+16.0%	$258.0M+10.2%	$234.1M+13.7%	$205.9M-15.6%	$244.0M-16.0%	$290.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$624.1M	N/A	N/A	N/A	$624.1M	N/A	N/A
Total Liabilities	$22.3B+0.9%	$22.1B+0.4%	$22.1B+1.0%	$21.8B+1.3%	$21.6B+0.5%	$21.5B+0.1%	$21.4B-0.4%	$21.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.9B+1.0%	$2.8B+2.4%	$2.8B+2.2%	$2.7B+1.8%	$2.7B+2.2%	$2.6B-0.8%	$2.6B+2.6%	$2.6B
Retained Earnings	$1.2B+4.2%	$1.2B+4.7%	$1.1B+3.8%	$1.1B+4.0%	$1.0B+3.3%	$989.1M+1.7%	$973.0M+1.6%	$958.0M

PFS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$442.3M+3.7%	$426.4M+145.9%	$173.4M-13.4%	$200.3M+27.7%	$156.8M+51.8%	$103.3M
Capital Expenditures	$11.5M+782.9%	$1.3M-82.5%	$7.5M-20.4%	$9.4M-31.8%	$13.8M+7.6%	$12.8M
Free Cash Flow	$430.7M+1.3%	$425.1M+156.2%	$165.9M-13.1%	$190.9M+33.5%	$143.0M+58.1%	$90.5M
Investing Cash Flow	-$1.1B-307.3%	$507.7M+208.1%	-$469.6M+27.5%	-$647.6M+9.6%	-$716.6M-42.1%	-$504.4M
Financing Cash Flow	$615.6M+167.8%	-$908.4M-413.3%	$290.0M+468.4%	-$78.7M-110.6%	$739.9M-0.9%	$746.7M
Dividends Paid	$125.9M+24.7%	$101.0M+39.4%	$72.4M+0.6%	$72.0M+0.8%	$71.5M+8.6%	$65.8M
Share Buybacks	$0	$0	$0-100.0%	$46.5M+124.7%	$20.7M-2.1%	$21.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$84.7M+22.8%	$68.9M-29.7%	$98.0M-47.5%	$186.8M+111.0%	$88.5M-63.0%	$239.3M+245.9%	$69.2M-9.6%	$76.5M
Capital Expenditures	$3.7M-24.1%	$4.9M+266.9%	$1.3M-68.5%	$4.2M+268.3%	$1.1M+176.3%	-$1.5M-216.0%	$1.3M+32.0%	$977K
Free Cash Flow	$81.0M+26.3%	$64.1M-33.7%	$96.7M-47.0%	$182.6M+108.9%	$87.4M-63.3%	$237.8M+250.3%	$67.9M-10.1%	$75.5M
Investing Cash Flow	-$232.4M-12.4%	-$206.8M+14.6%	-$242.3M+43.2%	-$426.7M-141.8%	-$176.5M+39.7%	-$292.8M-1634.6%	-$16.9M-102.2%	$762.8M
Financing Cash Flow	$158.3M+231.7%	$47.7M-74.5%	$187.0M-29.4%	$264.8M+128.1%	$116.1M+654.9%	$15.4M+115.6%	-$98.8M+86.0%	-$707.1M
Dividends Paid	$31.4M+0.1%	$31.3M0.0%	$31.3M0.0%	$31.3M-1.6%	$31.9M-1.7%	$32.4M+3.3%	$31.4M+65.1%	$19.0M
Share Buybacks	$10.3M	N/A	N/A	N/A	$0	N/A	N/A	N/A

PFS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	398.0%+228.2pp	169.9%-52.6pp	222.5%-97.6pp	320.1%+28.2pp	291.9%+78.9pp	212.9%
Return on Equity	10.3%+5.8pp	4.5%-3.1pp	7.6%-3.5pp	11.0%+1.1pp	9.9%+3.9pp	6.0%
Return on Assets	1.2%+0.7pp	0.5%-0.4pp	0.9%-0.4pp	1.3%+0.1pp	1.2%+0.5pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.82-0.4	8.25+0.8	7.41-0.2	7.63+0.5	7.12+0.1	6.98
FCF Margin	589.1%-33.3pp	622.5%+334.1pp	288.4%-58.8pp	347.2%+98.7pp	248.5%+49.7pp	198.7%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	385.4%-71.3pp	456.6%+52.0pp	404.6%+10.8pp	393.8%+54.5pp	339.3%+42.6pp	296.7%+36.7pp	260.0%+325.1pp	-65.1%
Return on Equity	2.8%-0.2pp	2.9%+0.3pp	2.6%-0.1pp	2.7%+0.2pp	2.4%+0.5pp	1.9%+0.1pp	1.8%+2.2pp	-0.4%
Return on Assets	0.3%0.0pp	0.3%+0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%+0.1pp	0.2%+0.0pp	0.2%+0.2pp	-0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.80-0.0	7.82-0.2	7.97-0.1	8.07-0.0	8.11-0.1	8.25+0.1	8.17-0.2	8.42
FCF Margin	392.9%+41.4pp	351.4%-194.2pp	545.6%-453.3pp	998.9%+535.8pp	463.0%-976.9pp	1439.9%+1059.6pp	380.4%-47.8pp	428.2%

Similar Companies

Park National PRK

$3.0B

Bank Hawaii Corp BOH

$3.0B

Banc Of California Inc BANC

$2.9B

Washington Fed WAFD

$2.6B

Wesbanco Inc WSBC

$3.2B

Frequently Asked Questions

What is Provident Finl's annual revenue?

Provident Finl (PFS) reported $73.1M in total revenue for fiscal year 2025. This represents a 7.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Provident Finl's revenue growing?

Provident Finl (PFS) revenue grew by 7.1% year-over-year, from $68.3M to $73.1M in fiscal year 2025.

Is Provident Finl profitable?

Yes, Provident Finl (PFS) reported a net income of $291.0M in fiscal year 2025, with a net profit margin of 398.0%.

What is Provident Finl's net profit margin?

Provident Finl (PFS) had a net profit margin of 398.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Provident Finl pay dividends?

Yes, Provident Finl (PFS) paid $0.96 per share in dividends during fiscal year 2025.

What is Provident Finl's return on equity (ROE)?

Provident Finl (PFS) has a return on equity of 10.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Provident Finl's free cash flow?

Provident Finl (PFS) generated $430.7M in free cash flow during fiscal year 2025. This represents a 1.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Provident Finl's operating cash flow?

Provident Finl (PFS) generated $442.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Provident Finl's total assets?

Provident Finl (PFS) had $25.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Provident Finl's capital expenditures?

Provident Finl (PFS) invested $11.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Provident Finl have outstanding?

Provident Finl (PFS) had 131M shares outstanding as of fiscal year 2025.

What is Provident Finl's debt-to-equity ratio?

Provident Finl (PFS) had a debt-to-equity ratio of 7.82 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Provident Finl's return on assets (ROA)?

Provident Finl (PFS) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Provident Finl's Piotroski F-Score?

Provident Finl (PFS) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Provident Finl's earnings high quality?

Provident Finl (PFS) has an earnings quality ratio of 1.52x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Provident Finl?

Provident Finl (PFS) scores 31 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.