Provident Financial Services Inc PFS
The Company is a Delaware corporation which became the holding company for Provident Bank (the “Bank”) on January 15, 2003, following the completion of the Bank's conversion to a New Jersey-chartered capital stock savings bank. 10-K, Item 1
- Headquarters
- Jersey City, NJ
- CEO
- Anthony J. Labozzetta
- Next results
- around Jan 27, 2027
PFS among Financials peers
Six ratios from the latest 10-K. Each corner is the share of 241 peers the company is above, not a score.
What changed
7 new risk paragraphs. 10-K filed Feb 27, 2026 against Feb 28, 2025.
Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.
Accounting checks
8 checks on the latest 10-K. Checks, not verdicts.
0facts worth reading about all 8 checks found nothing to note
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Same auditor in both 10-Ks: KPMG LLP
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No statement of substantial doubt about going concern
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No 8-K item 4.02 in the last 2 years
5 more checks with nothing to note
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No NT 10-K or NT 10-Q in the last 2 years
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No longer listed: Fair value measurement of acquired loans in the Lakeland Bancorp, Inc. merger. Same as last year: Assessment of the allowance for credit losses on loans evaluated on a collective basis
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No sentence in the 10-K concludes that controls were not effective because of a material weakness
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No 8-K item 2.06 in the last 2 years
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No 8-K item 1.03 in the last 2 years
In their words
7 paragraphs in Risk Factors that were not in the 10-K filed Feb 28, 2025. Quoted as filed.
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Item 1A · new paragraph · not in the 10-K filed Feb 28, 2025 10-K, ITEM 1A
Risks associated with another potential U.S. government shutdown include delays in regulatory reviews, approvals, or rulemaking from federal agencies, reduced access to government economic data and reports which could affect our ability to assess risk and make informed investment or risk management decisions, heightened volatility or…
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Item 1A · new paragraph · not in the 10-K filed Feb 28, 2025 10-K, ITEM 1A
Any event that disrupts the U.S. federal government’s continuity or undermines perceptions of fiscal stability could reduce investor confidence and adversely affect the value of U.S. government securities, thereby increasing market volatility and our future borrowing costs.
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Item 1A · new paragraph · not in the 10-K filed Feb 28, 2025 10-K, ITEM 1A
Financial institutions are facing increased scrutiny and potential enforcement actions from federal agencies, leading to the need to update internal risk-scoring and compliance procedures. In August 2025, the President of the United States issued an Executive Order entitled “Guaranteeing Fair Banking for All Americans” that addressed…
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Item 1A · new paragraph · not in the 10-K filed Feb 28, 2025 10-K, ITEM 1A
Increasingly, many customers can complete certain transactions such as bill payments or fund transfers using alternatives to traditional banking, as the financial services industry undergoes rapid technological changes. Digital payments, cryptocurrencies, blockchain, and other “fintech” technologies offer new ways of making payments…
New risk paragraphs, against peers
Latest 10-K of each, Financials companies closest in revenue
Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.
Financial performance
Last 4 fiscal years · 10-K XBRL
| Metric | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | $505.3M | $479.3M | $694.7M | $870.4M |
| Net income | $175.6M | $128.4M | $115.5M | $291.2M |
| Operating cash flow | $200.3M | $173.4M | $426.4M | $442.3M |
| Free cash flow | $190.9M | $165.9M | $425.1M | $430.7M |
Revenue, FY2016 to FY2025
Ten fiscal years, each from its own 10-K · XBRL · USD
$870.4M ▲ 25.3% in FY2025$291.2M ▲ 152.0% in FY2025$430.7M ▲ 1.3% in FY2025
Recent filings
5 filings in the last 30 days · SEC EDGAR
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10-QNov 6, 2026Quarterly report (10-Q) period ended Sep 30, 2026
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OfferingNov 2, 2026Shelf registration: shares and other securities, amount not fixed S-3ASR · may offer to sell, from time to time, · shares of our common stock, of our preferred stock, either separately or represented by depositary shares, · rights or warrants exercisable for our common stock, preferred stock, depositary shares representing preferred stock, or our debt securities, · debt se
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8-KOct 30, 2026Regulation FD disclosure 8-K item 7.01
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8-KOct 29, 2026Regulation FD disclosure 8-K item 7.01
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8-KOct 29, 2026Quarterly results, Regulation FD disclosure 8-K items 2.02, 7.01
About the company
Provident Financial Services Inc, Jersey City, NJ · from the 10-K filed Feb 27, 2026
The Company is a Delaware corporation which became the holding company for Provident Bank (the “Bank”) on January 15, 2003, following the completion of the Bank's conversion to a New Jersey-chartered capital stock savings bank. On January 15, 2003, the Company issued an aggregate of 59,618,300 shares of its common stock, par value $0.01 per share in a subscription offering, and contributed $4.8 million in cash and 1,920,000 shares of its common stock, which amounted to $24.0 million in aggregate, to The Provident Bank Foundation, a charitable foundation established by the Bank.
- Headquarters
- Jersey City, NJ
- Country
- United States
- Reports in
- USD
- Listed on
- NYSE
- Fiscal year ends
- December 31
- Last results
- Oct 29, 2026
- Incorporated in
- DE
Email alerts
Sources
The 10-K filed Feb 27, 2026 (open at SEC), compared with the 10-K filed Feb 28, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.
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