Stonegate Capital Partners Updates Coverage on Provident Financial Services Inc (PFS) 2025 Q4

Rhea-AI Summary

Provident Financial Services (NYSE: PFS) reported strong 2025 Q4 results on January 29, 2026, with record quarterly revenue of $225.7M, driven by record net interest income of $197.4M and record noninterest income of $28.3M.

Net income rose to $83.4M (EPS $0.64), producing a 1.34% ROAA; reported net interest margin was 3.44% (up 1bp q/q) and core NIM expanded 7bps to 3.01%.

Positive

• Revenue reached a third consecutive quarterly record at $225.7M
• Record net interest income of $197.4M
• Record noninterest income of $28.3M
• Net income of $83.4M; EPS $0.64
• Core net interest margin expanded 7bps to 3.01%

Negative

• None.

Key Figures

Net income: $83.4M EPS: $0.64 ROAA: 1.34% +5 more

8 metrics

Net income $83.4M Quarter referenced in Stonegate update

EPS $0.64 Quarter referenced in Stonegate update

ROAA 1.34% Quarter referenced in Stonegate update

Revenue $225.7M Third consecutive quarterly record

Net interest income $197.4M Record level in the quarter

Noninterest income $28.3M Record level in the quarter

Reported net interest margin 3.44% Up 1bp quarter-over-quarter

Core net interest margin 3.01% Expanded 7bps quarter-over-quarter

Market Reality Check

Price: $22.22 Vol: Volume 1,650,313 is 1.87x...

high vol

$22.22 Last Close

Volume Volume 1,650,313 is 1.87x the 20-day average of 881,219, indicating elevated interest pre-news. high

Technical Price $22.22 trades above the 200-day MA $18.63 and is 1.07% below the 52-week high of $22.46.

Peers on Argus

PFS gained 6.67% while key regional bank peers like PRK (-2.32%), BOH (-0.92%), ...

PFS gained 6.67% while key regional bank peers like PRK (-2.32%), BOH (-0.92%), BANC (-0.5%), WAFD (-0.22%), and WSBC (-1.41%) traded lower, pointing to a stock-specific reaction rather than a sector-wide move.

Historical Context

5 past events · Latest: Jan 27 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 27	Earnings release	Positive	+1.2%	Record Q4 and full-year 2025 earnings and revenue metrics reported.
Jan 27	Community grants	Positive	+1.2%	Announcement of $50,000 in grants to five non-profit organizations.
Jan 26	Buyback program	Positive	+0.0%	New stock repurchase authorization covering up to 2.15% of shares.
Jan 13	Management change	Neutral	+0.6%	Planned retirement and transition timeline for long-tenured CFO.
Jan 13	Community support	Neutral	-0.1%	Employees raised $80,000 for local nonprofits via internal programs.

Pattern Detected

Recent fundamentally positive announcements (earnings, dividends, community initiatives) have generally seen modest positive alignment in price, with occasional flat or slightly negative reactions.

Recent Company History

Over the past months, PFS has reported improving fundamentals and shareholder-focused actions. On Jan 27, 2026, it posted Q4 2025 net income of $83.4M and full-year $291.2M, with record quarterly revenue of $225.7M and strong loan and deposit balances. A new stock repurchase program announced on Jan 26, 2026 allows buybacks up to 2.15% of outstanding shares. Community grant and employee fundraising news highlighted franchise strength, while the CFO’s planned retirement outlined a structured transition. Today’s coverage update ties back to these record earnings figures.

Market Pulse Summary

This announcement underscores PFS’s operating momentum, with quarterly net income of $83.4M, EPS of ...

Analysis

This announcement underscores PFS’s operating momentum, with quarterly net income of $83.4M, EPS of $0.64, and a third straight record revenue print of $225.7M. Record net interest income of $197.4M, record noninterest income of $28.3M, and reported and core net interest margins of 3.44% and 3.01% highlight profitability strength. In light of recent buyback authorization and dividend activity, investors may watch whether these earnings levels and margin trends remain durable in coming quarters.

Key Terms

net interest income, noninterest income, roaa, net interest margin, +1 more

5 terms

net interest income financial

"supported by record net interest income of $197.4M and record noninterest income"

Net interest income is the difference between the interest a financial institution earns on loans and investments and the interest it pays on deposits and borrowings. It matters to investors because it is a primary source of profit for banks and similar firms — like the gross margin on a store’s trade — and changes with loan growth, deposit costs and interest rates, so it signals core earning power and sensitivity to rate moves.

noninterest income financial

"record net interest income of $197.4M and record noninterest income of $28.3M"

Noninterest income is the money a bank or financial firm earns from activities other than charging interest on loans, such as account fees, transaction charges, advisory and underwriting fees, trading gains, and service income — like a store making extra money from repairs, warranties or delivery charges rather than product sales. It matters to investors because it shows how diversified a company’s revenue is and whether it can withstand changes in interest rates; a strong noninterest income stream can stabilize profits but may also be more variable than steady loan interest.

roaa financial

"for an EPS of $0.64, driving a 1.34% ROAA."

Return on Average Assets (ROAA) measures how efficiently a company turns its assets into profit by dividing net profit over a period by the average total assets it held during that period. It matters to investors because it shows whether a business is getting a good return from what it owns—like judging a car’s fuel efficiency by miles per gallon—helping compare profitability across companies of different sizes.

net interest margin financial

"Reported net interest margin was 3.44% (up 1bp q/q)"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

core net interest margin financial

"while core net interest margin expanded 7bps to 3.01%"

Core net interest margin measures how much a bank or lender earns from its main lending activities, after paying interest to depositors and creditors, expressed as a percentage of the assets that generate interest. Think of it as the profit margin on a store’s main product: higher core NIM means the lender is getting more return from its core business, so it’s a key indicator of sustainable profitability and sensitivity to interest-rate changes for investors.

AI-generated analysis. Not financial advice.

Dallas, Texas--(Newsfile Corp. - January 29, 2026) - Provident Financial Services Inc (NYSE: PFS): Provident Financial Services delivered another strong quarter of expanding profitability and continued operating momentum. Net income increased to $83.4M, for an EPS of $0.64, driving a 1.34% ROAA. Revenue reached a third consecutive quarterly record at $225.7M, supported by record net interest income of $197.4M and record noninterest income of $28.3M, reflecting the Company's ability to grow earning assets while sustaining strong fee generation across its other business lines.

To view the full announcement, including downloadable images, bios, and more, click here.

Key Takeaways:

• Revenue reached a third consecutive quarterly record at $225.7M, supported by record net interest income of $197.4M and record noninterest income of $28.3M
• Net income increased to $83.4M, for an EPS of $0.64, driving a 1.34% ROAA
• Reported net interest margin was 3.44% (up 1bp q/q), while core net interest margin expanded 7bps to 3.01%

Click image above to view full announcement.

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About Stonegate
Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Our affiliate, Stonegate Capital Markets (member FINRA) provides a full spectrum of investment banking services for public and private companies.

Contacts:

Stonegate Capital Partners
(214) 987-4121
info@stonegateinc.com

Source: Stonegate, Inc.

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/282047

FAQ

What were Provident Financial Services (PFS) reported revenue and earnings for 2025 Q4?

Provident reported $225.7M revenue and net income of $83.4M in 2025 Q4. According to the company, EPS was $0.64, marking consecutive quarterly revenue records and expanded profitability driven by interest and fee income.

How did Provident's net interest income and noninterest income perform in 2025 Q4 for PFS?

Net interest income reached a record $197.4M and noninterest income was a record $28.3M. According to the company, both contributed to the quarterly revenue record and reflected growth in earning assets and fee generation.

What changes occurred to Provident's net interest margin in 2025 Q4 (PFS)?

Reported net interest margin was 3.44%, up 1 basis point quarter-over-quarter. According to the company, core net interest margin expanded 7 basis points to 3.01%, indicating modest improvement in interest spread.

What return metric did Provident (PFS) report for 2025 Q4 and what does it imply?

Provident reported a 1.34% ROAA for 2025 Q4, indicating improved asset profitability. According to the company, this followed higher net income and reflects continued operating momentum across lending and fee businesses.

Does Provident Financial Services (PFS) cite momentum or record trends in its 2025 Q4 report?

Yes. The company stated revenue reached a third consecutive quarterly record and highlighted continued operating momentum. According to the company, record interest and noninterest income underpinned that recurring performance trend.