Provident Financial Statements From 2010 to 2024

Stocks . USA . 
Stock . Provident Financial Services
PFS Stock  USD 21.40  0.55  2.64%   
Provident Financial financial statements provide useful quarterly and yearly information to potential Provident Financial Services investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Provident Financial financial statements helps investors assess Provident Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Provident Financial's valuation are summarized below:
Gross Profit
497 M
Profit Margin
0.1793
Market Capitalization
2.8 B
Enterprise Value Revenue
8.9818
Revenue
526 M
There are over one hundred nineteen available trending fundamental ratios for Provident Financial, which can be analyzed over time and compared to other ratios. All traders should check out Provident Financial's recent fundamentals against the performance from 2010 to 2024 and make sure the trends continue to evolve in the right direction. Market Cap is likely to drop to about 975.3 M in 2024. Enterprise Value is likely to drop to about 1.8 B in 2024

Provident Financial Total Revenue

646.61 Million

Check Provident Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Provident Financial's main balance sheet or income statement drivers, such as Interest Expense of 227.2 M, Selling General Administrative of 104.4 M or Total Revenue of 646.6 M, as well as many indicators such as Price To Sales Ratio of 2.08, Dividend Yield of 0.0564 or PTB Ratio of 1.32. Provident financial statements analysis is a perfect complement when working with Provident Financial Valuation or Volatility modules.
  
Check out the analysis of Provident Financial Correlation against competitors.

Provident Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets8.8 B14.2 B9.6 B
Slightly volatile
Total Stockholder Equity1.2 B1.7 B1.2 B
Slightly volatile
Other Liabilities82.2 M102.4 M97.7 M
Slightly volatile
Retained Earnings548.3 M974.5 M591.5 M
Slightly volatile
Accounts Payable12.8 B12.1 B7.6 B
Slightly volatile
Cash172.6 M180.2 M198.8 M
Slightly volatile
Other Assets8.8 B11.4 B9.2 B
Slightly volatile
Long Term Debt1 B1.5 B1.2 B
Pretty Stable
Good Will380.1 M510.2 M384 M
Slightly volatile
Short Term Investments1.8 B1.7 B1.1 B
Slightly volatile
Total Liabilities6.3 B12.5 B6.4 B
Pretty Stable
Intangible Assets13.6 M14.3 M248.2 M
Slightly volatile
Property Plant Equipment73.7 M91.8 M72.2 M
Slightly volatile
Short and Long Term Debt Total1.6 B1.5 B1.8 B
Pretty Stable
Property Plant And Equipment Net75.2 M71 M71.1 M
Pretty Stable
Non Current Assets Total2.2 B2.6 B2.1 B
Slightly volatile
Cash And Short Term Investments171.2 M180.3 M1.1 B
Pretty Stable
Net Receivables31.3 M59 M32.4 M
Slightly volatile
Common Stock Shares Outstanding69.3 M74.9 M65.3 M
Slightly volatile
Liabilities And Stockholders Equity9 B14.2 B9.7 B
Slightly volatile
Non Current Liabilities Total13.1 B12.5 B3.4 B
Slightly volatile
Other Stockholder Equity740.4 M861.2 M678.8 M
Slightly volatile
Property Plant And Equipment Gross202.5 M192.9 M103.2 M
Slightly volatile
Total Current Assets227.3 M239.2 M4 B
Slightly volatile
Other Current Assets238.3 M250.9 M3.2 B
Slightly volatile
Common Stock Total Equity897.8 K956.8 K830.2 K
Slightly volatile
Common Stock898.6 K956.8 K830.3 K
Slightly volatile
Total Current Liabilities6.6 B8 B6.6 B
Slightly volatile
Short Term Debt740.4 M1.1 B1 B
Slightly volatile
Other Current Liabilities6.7 B6.9 B6.1 B
Slightly volatile
Net Tangible Assets938.8 M1.3 B889.4 M
Slightly volatile
Retained Earnings Total Equity627.8 M1.1 B606.9 M
Slightly volatile
Long Term Debt Total1.4 B1.6 B1.3 B
Pretty Stable
Capital Surpluse802.5 M883 M981.8 M
Slightly volatile
Long Term Investments2 B2.1 B5.8 B
Pretty Stable
Non Current Liabilities Other331.9 M316.1 M150.4 M
Slightly volatile
Short and Long Term Debt801.9 M494.9 M1 B
Slightly volatile
Earning Assets2 B3.1 B1.9 B
Slightly volatile
Net Invested Capital3 B3.1 B2.8 B
Very volatile
Capital Stock665.6 K748.8 K815.4 K
Slightly volatile

Provident Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Selling General Administrative104.4 M203.8 M114.2 M
Slightly volatile
Total Revenue646.6 M615.8 M368.4 M
Slightly volatile
Gross Profit596.8 M568.4 M331.2 M
Slightly volatile
Operating Income239.8 M242.8 M220 M
Pretty Stable
Cost Of Revenue28 M47.4 M35.7 M
Pretty Stable
Income Before Tax103.1 M175.8 M131 M
Slightly volatile
Net Income Applicable To Common Shares212.1 M202 M109.4 M
Slightly volatile
Net Income73 M128.4 M95.2 M
Slightly volatile
Income Tax Expense30.1 M47.4 M35.8 M
Slightly volatile
Depreciation And Amortization23.3 M22.2 M10.2 M
Slightly volatile
Selling And Marketing Expenses4.6 M4.8 M4.2 M
Slightly volatile
Other Operating Expenses70.2 M52.2 M86.2 M
Slightly volatile
EBITDA2.8 M3 M183.9 M
Pretty Stable
Net Income From Continuing Ops126.7 M150.1 M115.9 M
Slightly volatile
Tax Provision47.3 M53.2 M41.1 M
Slightly volatile
Net Interest Income354.3 M417.7 M300.2 M
Slightly volatile
Interest Income424.1 M588.8 M356.9 M
Slightly volatile
Reconciled Depreciation14.2 M22.6 M12.4 M
Pretty Stable

Provident Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Income73 M128.4 M95.2 M
Slightly volatile
End Period Cash Flow189.3 M180.3 M200.9 M
Slightly volatile
Free Cash Flow114.3 M165.9 M120.7 M
Slightly volatile
Begin Period Cash Flow187.6 M186.5 M190.4 M
Slightly volatile
Depreciation16.8 M22.2 M14.7 M
Slightly volatile
Total Cash From Operating Activities122.9 M173.4 M128.9 M
Slightly volatile
Dividends Paid45 M72.4 M49.6 M
Slightly volatile
Change To Inventory1.3 M1.7 M1.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.082.19136.288
Slightly volatile
Dividend Yield0.05640.05370.0381
Slightly volatile
PTB Ratio1.320.79821.2051
Slightly volatile
Days Sales Outstanding50.9134.949548.9263
Slightly volatile
Book Value Per Share28.2422.588146.803
Slightly volatile
Free Cash Flow Yield0.06940.12290.0913
Pretty Stable
Operating Cash Flow Per Share1.42.31681.9342
Pretty Stable
Stock Based Compensation To Revenue0.01890.01750.0233
Pretty Stable
Capex To Depreciation0.620.33740.6111
Slightly volatile
PB Ratio1.320.79821.2051
Slightly volatile
EV To Sales4.054.26719.4864
Slightly volatile
Free Cash Flow Per Share1.32.21671.8103
Slightly volatile
ROIC0.10.06990.0811
Slightly volatile
Net Income Per Share1.81.71551.4814
Slightly volatile
Sales General And Administrative To Revenue0.370.33090.3385
Pretty Stable
Capex To Revenue0.01160.01220.0446
Slightly volatile
Cash Per Share26.2424.989919.8185
Slightly volatile
POCF Ratio12.577.782510.6473
Pretty Stable
Interest Coverage1.071.12224.269
Pretty Stable
Payout Ratio0.380.56420.5125
Very volatile
Capex To Operating Cash Flow0.0410.04320.0659
Slightly volatile
PFCF Ratio14.158.133711.4805
Pretty Stable
Income Quality2.061.35051.6127
Slightly volatile
ROE0.04580.07590.0743
Pretty Stable
EV To Operating Cash Flow23.1715.154719.0249
Very volatile
PE Ratio20.8910.509916.1314
Slightly volatile
Return On Tangible Assets0.00640.00930.01
Pretty Stable
EV To Free Cash Flow26.4415.838720.5616
Very volatile
Earnings Yield0.09990.09510.0733
Slightly volatile
Intangibles To Total Assets0.05050.03220.0409
Very volatile
Current Ratio0.230.242.259
Slightly volatile
Tangible Book Value Per Share23.516.469540.8741
Slightly volatile
Receivables Turnover7.6710.443610.0271
Pretty Stable
Graham Number17.3529.527824.3837
Slightly volatile
Shareholders Equity Per Share14.0722.588118.697
Slightly volatile
Debt To Equity0.960.50010.8248
Pretty Stable
Capex Per Share0.140.10.1266
Pretty Stable
Revenue Per Share8.648.2285.3128
Slightly volatile
Interest Debt Per Share12.6614.187716.2383
Pretty Stable
Debt To Assets0.05650.05950.1029
Pretty Stable
Short Term Coverage Ratios0.370.420.455
Slightly volatile
Price Earnings Ratio20.8910.509916.1314
Slightly volatile
Price Book Value Ratio1.320.79821.2051
Slightly volatile
Dividend Payout Ratio0.380.56420.5125
Very volatile
Price To Operating Cash Flows Ratio12.577.782510.6473
Pretty Stable
Price To Free Cash Flows Ratio14.158.133711.4805
Pretty Stable
Pretax Profit Margin0.410.28540.467
Slightly volatile
Ebt Per Ebit0.760.7240.5895
Slightly volatile
Operating Profit Margin0.370.39430.9687
Slightly volatile
Effective Tax Rate0.290.26950.2786
Slightly volatile
Company Equity Multiplier5.978.40587.6914
Pretty Stable
Long Term Debt To Capitalization0.50.33340.4393
Pretty Stable
Total Debt To Capitalization0.50.33340.4393
Pretty Stable
Return On Capital Employed0.0330.01710.0425
Pretty Stable
Debt Equity Ratio0.960.50010.8248
Pretty Stable
Ebit Per Revenue0.370.39430.9687
Slightly volatile
Quick Ratio0.260.272.2777
Slightly volatile
Dividend Paid And Capex Coverage Ratio4.12.16923.1798
Slightly volatile
Net Income Per E B T0.590.73050.7134
Very volatile
Cash Ratio0.02070.02180.0614
Slightly volatile
Operating Cash Flow Sales Ratio0.270.28160.6849
Slightly volatile
Days Of Sales Outstanding50.9134.949548.9263
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.730.95680.9189
Pretty Stable
Cash Flow Coverage Ratios0.180.20510.1744
Pretty Stable
Price To Book Ratio1.320.79821.2051
Slightly volatile
Fixed Asset Turnover9.118.67385.0111
Slightly volatile
Capital Expenditure Coverage Ratio13.5423.156519.6917
Pretty Stable
Price Cash Flow Ratio12.577.782510.6473
Pretty Stable
Debt Ratio0.05650.05950.1029
Pretty Stable
Cash Flow To Debt Ratio0.180.20510.1744
Pretty Stable
Price Sales Ratio2.082.19136.288
Slightly volatile
Return On Assets0.00610.0090.0095
Pretty Stable
Asset Turnover0.02650.04330.0327
Slightly volatile
Net Profit Margin0.290.20850.3339
Slightly volatile
Gross Profit Margin0.720.9230.8946
Pretty Stable
Price Fair Value1.320.79821.2051
Slightly volatile
Return On Equity0.04580.07590.0743
Pretty Stable

Provident Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap975.3 M1.3 B1.3 B
Slightly volatile
Enterprise Value1.8 B2.6 B2.4 B
Pretty Stable

Provident Fundamental Market Drivers

Forward Price Earnings10.1626
Cash And Short Term Investments180.3 M

Provident Upcoming Events

25th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Provident Financial Financial Statements

Provident Financial shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although Provident Financial investors may analyze each financial statement separately, they are all interrelated. The changes in Provident Financial's assets and liabilities, for example, are also reflected in the revenues and expenses on on Provident Financial's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue615.8 M646.6 M
Cost Of Revenue47.4 M28 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.33  0.37 
Capex To Revenue 0.01  0.01 
Revenue Per Share 8.23  8.64 
Ebit Per Revenue 0.39  0.37 

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Additional Tools for Provident Stock Analysis

When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.
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