Provident Financial Services Key Fundamental Indicators

Provident Financial Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Total Assets 26.2 B 25 B 12.4 B Slightly volatile Total Stockholder Equity 3 B 2.8 B 1.5 B Slightly volatile Other Liabilities 82.2 M 102.4 M 96.7 M Slightly volatile Retained Earnings 596.8 M 1.2 B 650.9 M Slightly volatile Accounts Payable 12.8 B 12.1 B 7.9 B Slightly volatile Cash 177 M 211.5 M 200.3 M Slightly volatile Long Term Debt 2.6 B 2.5 B 1.4 B Slightly volatile Good Will 392.4 M 717.7 M 414.6 M Slightly volatile Short Term Investments 3.3 B 3.2 B 1.5 B Slightly volatile Total Liabilities 23.3 B 22.1 B 9.2 B Slightly volatile Intangible Assets 821.3 M 782.2 M 261.7 M Slightly volatile Property Plant Equipment 83.1 M 113.3 M 83.7 M Slightly volatile Short and Long Term Debt Total 1.7 B 2.5 B 1.9 B Slightly volatile Other Current Liabilities 15.1 B 14.4 B 7.9 B Slightly volatile Total Current Liabilities 15.1 B 14.4 B 8.3 B Slightly volatile Property Plant And Equipment Net 79.4 M 113.3 M 76.7 M Slightly volatile Non Current Assets Total 850.7 M 895.5 M 4.4 B Pretty Stable Cash And Short Term Investments 3.5 B 3.4 B 1.7 B Slightly volatile Net Receivables 100.6 M 95.8 M 43.6 M Slightly volatile Common Stock Shares Outstanding 74.3 M 130.5 M 72.1 M Slightly volatile Liabilities And Stockholders Equity 26.2 B 25 B 12.4 B Slightly volatile Non Current Liabilities Total 23.3 B 22.1 B 4.4 B Slightly volatile Other Stockholder Equity 1.8 B 1.8 B 869.2 M Slightly volatile Property Plant And Equipment Gross 363.2 M 345.9 M 138.5 M Slightly volatile Total Current Assets 2.6 B 3.5 B 3.5 B Very volatile Other Current Assets 264.4 M 278.4 M 2.9 B Slightly volatile Common Stock Total Equity 897.8 K 956.8 K 830.4 K Slightly volatile Common Stock 952.1 K 1.6 M 902.4 K Slightly volatile Short Term Debt 96.8 M 101.9 M 628.6 M Slightly volatile Net Tangible Assets 938.8 M 1.3 B 918.5 M Slightly volatile Retained Earnings Total Equity 627.8 M 1.1 B 643.5 M Slightly volatile Long Term Debt Total 2.6 B 2.5 B 1.3 B Pretty Stable Capital Surpluse 1.2 B 1.8 B 1.1 B Slightly volatile Long Term Investments 4.7 B 2.8 B 5.6 B Slightly volatile Non Current Liabilities Other 331.9 M 316.1 M 165 M Slightly volatile Short and Long Term Debt 801.9 M 494.9 M 947.6 M Slightly volatile Earning Assets 2 B 3.1 B 2 B Slightly volatile Net Invested Capital 3.3 B 5.6 B 3.1 B Slightly volatile Capital Stock 1 M 1.6 M 918.1 K Slightly volatile
Provident Financial Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Selling General Administrative 321.2 M 305.9 M 141.8 M Slightly volatile Total Revenue 1.5 B 1.4 B 559.7 M Slightly volatile Gross Profit 910.2 M 866.8 M 405.1 M Slightly volatile Operating Income 428.6 M 408.2 M 168.7 M Slightly volatile Cost Of Revenue 541.6 M 515.8 M 154.7 M Slightly volatile Income Before Tax 428.6 M 408.2 M 167.5 M Slightly volatile Net Income Applicable To Common Shares 305.7 M 291.2 M 121.6 M Slightly volatile Net Income 305.7 M 291.2 M 121.6 M Slightly volatile Income Tax Expense 122.8 M 117 M 45.9 M Slightly volatile Depreciation And Amortization 65.9 M 62.8 M 22.8 M Slightly volatile Selling And Marketing Expenses 4.7 M 5.5 M 4.4 M Slightly volatile Other Operating Expenses 1 B 974.5 M 386.7 M Slightly volatile EBIT 108.6 M 172.1 M 135.1 M Slightly volatile EBITDA 428.6 M 408.2 M 183.1 M Slightly volatile Net Income From Continuing Ops 126.7 M 132.9 M 116.9 M Slightly volatile Tax Provision 122.8 M 117 M 49.6 M Slightly volatile Net Interest Income 385 M 690.7 M 342.6 M Slightly volatile Interest Income 1.3 B 1.2 B 496.5 M Slightly volatile Reconciled Depreciation 65.9 M 62.8 M 20.9 M Slightly volatile
Provident Financial Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Net Income 305.7 M 291.2 M 121.6 M Slightly volatile End Period Cash Flow 190.8 M 236.7 M 203.4 M Slightly volatile Free Cash Flow 513.3 M 488.8 M 185.2 M Slightly volatile Begin Period Cash Flow 189.6 M 205.9 M 190.8 M Slightly volatile Depreciation 65.9 M 62.8 M 22.8 M Slightly volatile Total Cash From Operating Activities 514.9 M 490.3 M 192.2 M Slightly volatile Dividends Paid 121.9 M 116.1 M 61.1 M Slightly volatile Change To Inventory 1.3 M 1.7 M 1.4 M Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 1.77 1.8651 3.4609 Slightly volatile Dividend Yield 0.0276 0.0486 0.0377 Slightly volatile PTB Ratio 1.29 0.9102 1.1619 Slightly volatile Days Sales Outstanding 32.86 25.29 30.8534 Pretty Stable Book Value Per Share 14.39 21.6996 19.1878 Slightly volatile Free Cash Flow Yield 0.19 0.18 0.1115 Slightly volatile Operating Cash Flow Per Share 3.67 3.5 2.2969 Slightly volatile Stock Based Compensation To Revenue 0.0157 0.0096 0.0198 Pretty Stable Capex To Depreciation 0.0262 0.0275 0.5073 Slightly volatile PB Ratio 1.29 0.9102 1.1619 Slightly volatile EV To Sales 6.91 3.5337 6.1797 Slightly volatile Free Cash Flow Per Share 3.66 3.49 2.1916 Slightly volatile ROIC 0.07 0.0667 0.0404 Slightly volatile Net Income Per Share 2.34 2.23 1.532 Slightly volatile Sales General And Administrative To Revenue 0.21 0.2213 0.2691 Slightly volatile Capex To Revenue 0.0013 0.0013 0.0207 Slightly volatile Cash Per Share 27.15 25.8587 22.0803 Slightly volatile POCF Ratio 5.3 5.58 9.4642 Slightly volatile Interest Coverage 1.36 0.7969 2.328 Very volatile Payout Ratio 0.39 0.4305 0.5295 Pretty Stable Capex To Operating Cash Flow 0.0033 0.0035 0.0553 Slightly volatile PFCF Ratio 5.32 5.6 10.0852 Slightly volatile Income Quality 2.16 4.24 1.914 Very volatile ROE 0.11 0.1028 0.078 Slightly volatile EV To Operating Cash Flow 10.98 11.56 17.0914 Slightly volatile PE Ratio 8.41 8.8565 15.0742 Slightly volatile Return On Tangible Assets 0.0065 0.012 0.0098 Very volatile EV To Free Cash Flow 11.01 11.59 18.2021 Slightly volatile Earnings Yield 0.12 0.1129 0.0758 Slightly volatile Intangibles To Total Assets 0.0493 0.0313 0.0398 Pretty Stable Current Ratio 0.1 0.15 0.1812 Pretty Stable Tangible Book Value Per Share 9.6 15.7091 13.1617 Slightly volatile Receivables Turnover 10.01 14.4326 12.1252 Very volatile Graham Number 17.59 32.9966 24.8649 Slightly volatile Shareholders Equity Per Share 14.39 21.6996 19.1878 Slightly volatile Debt To Equity 1.11 0.8889 0.981 Pretty Stable Capex Per Share 0.013 0.0137 0.1057 Slightly volatile Revenue Per Share 11.12 10.5894 6.7475 Slightly volatile Interest Debt Per Share 15.7 23.2125 20.0677 Pretty Stable Debt To Assets 0.15 0.1008 0.1261 Pretty Stable Enterprise Value Over EBITDA 20.75 11.9702 17.4042 Slightly volatile Short Term Coverage Ratios 3.56 3.39 1.4604 Slightly volatile Price Earnings Ratio 8.41 8.8565 15.0742 Slightly volatile Operating Cycle 32.86 25.29 30.8534 Pretty Stable Price Book Value Ratio 1.29 0.9102 1.1619 Slightly volatile Dividend Payout Ratio 0.39 0.4305 0.5295 Pretty Stable Price To Operating Cash Flows Ratio 5.3 5.58 9.4642 Slightly volatile Price To Free Cash Flows Ratio 5.32 5.6 10.0852 Slightly volatile Pretax Profit Margin 0.21 0.2952 0.3178 Pretty Stable Operating Profit Margin 0.21 0.2952 0.3178 Pretty Stable Effective Tax Rate 0.29 0.2866 0.2761 Slightly volatile Company Equity Multiplier 6.06 8.8171 7.8544 Very volatile Long Term Debt To Capitalization 0.51 0.4706 0.4512 Very volatile Total Debt To Capitalization 0.54 0.4706 0.486 Pretty Stable Return On Capital Employed 0.0155 0.0163 0.0495 Slightly volatile Debt Equity Ratio 1.11 0.8889 0.981 Pretty Stable Ebit Per Revenue 0.21 0.2952 0.3178 Pretty Stable Quick Ratio 0.1 0.15 0.1812 Pretty Stable Dividend Paid And Capex Coverage Ratio 4.17 4.79 3.3693 Pretty Stable Net Income Per E B T 0.59 0.7134 0.7169 Very volatile Cash Ratio 0.012 0.0126 0.0241 Very volatile Cash Conversion Cycle 32.86 25.29 30.8534 Pretty Stable Operating Cash Flow Sales Ratio 0.4 0.43 0.3858 Slightly volatile Days Of Sales Outstanding 32.86 25.29 30.8534 Pretty Stable Free Cash Flow Operating Cash Flow Ratio 0.74 0.9 0.9239 Pretty Stable Cash Flow Coverage Ratios 0.14 0.2 0.1515 Pretty Stable Price To Book Ratio 1.29 0.9102 1.1619 Slightly volatile Fixed Asset Turnover 12.81 12.2001 6.593 Slightly volatile Capital Expenditure Coverage Ratio 308 294 71.3275 Slightly volatile Price Cash Flow Ratio 5.3 5.58 9.4642 Slightly volatile Enterprise Value Multiple 20.75 11.9702 17.4042 Slightly volatile Debt Ratio 0.15 0.1008 0.1261 Pretty Stable Cash Flow To Debt Ratio 0.14 0.2 0.1515 Pretty Stable Price Sales Ratio 1.77 1.8651 3.4609 Slightly volatile Return On Assets 0.0062 0.0117 0.0094 Very volatile Asset Turnover 0.0487 0.0553 0.0419 Slightly volatile Net Profit Margin 0.14 0.2106 0.2289 Pretty Stable Gross Profit Margin 0.57 0.6269 0.7464 Very volatile Price Fair Value 1.29 0.9102 1.1619 Slightly volatile Return On Equity 0.11 0.1028 0.078 Slightly volatile

Provident Fundamental Market Drivers

Provident Upcoming Events

Provident Return On Equity Driver Correlations

Altman Z Score Details

Piotroski F Score Details

Beneish M Score Details

Financial Analysis Details

Buy or Sell Advice Details

Earnings Projections Details

Provident Financial 'What if' Analysis

Hype Prediction Low Estimated High 21.08 22.96 24.84 Details

Intrinsic Valuation Low Real High 20.67 25.40 27.28 Details

5 Analysts Consensus Low Target High 22.75 25.00 27.75 Details

Earnings Estimates (0) Low Projected EPS High 0.53 0.56 0.60 Details

Please note, it is not enough to conduct a financial or market analysis of a single entity such as Provident Financial. Your research has to be compared to or analyzed against Provident Financial's peers to derive any actionable benefits. When done correctly, Provident Financial's competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in Provident Financial.

Provident Financial February 13, 2026 Technical Indicators

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Provident Total Stockholder Equity

Provident Financial Fundamental Drivers Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Provident Financial's current stock value. Our valuation model uses many indicators to compare Provident Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Provident Financial competition to find correlations between indicators driving Provident Financial's intrinsic value. More Info.Provident Financial Services is regarded fourth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Provident Financial Services is roughly  9.01 . At this time, Provident Financial's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Provident Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Provident Return On Equity Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Provident Financial's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Provident Financial could also be used in its relative valuation, which is a method of valuing Provident Financial by comparing valuation metrics of similar companies.

Provident Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Provident Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Provident Financial's managers, analysts, and investors.

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