What is the 13F Pro Quality Score for PFS?

13F Pro ranks PROVIDENT FINANCIAL SERVICES INC (PFS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PFS's current score at https://13fpro.ai/company/PFS (free sign-up required for the full ranking).

Where does 13F Pro source PFS data?

All PROVIDENT FINANCIAL SERVICES INC fundamentals and ownership data come directly from SEC EDGAR. PROVIDENT FINANCIAL SERVICES INC files with the SEC under CIK 1178970. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PFS in?

PROVIDENT FINANCIAL SERVICES INC (PFS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives PFS's revenue?

Per PROVIDENT FINANCIAL SERVICES INC's latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net interest income ($202.7M, +8.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/PFS.

What are PFS's largest expenses?

PROVIDENT FINANCIAL SERVICES INC's latest 10-Q reports these as the largest expense items: Compensation and employee benefits ($67.3M, +6.4% YoY); Non-interest expense (total) ($119.3M, +4.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is PFS research updated on 13F Pro?

PFS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PROVIDENT FINANCIAL SERVICES INC(PFS)Stock Analysis

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Financials →NYSEmid

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SEC EDGAR: CIK 1178970 PFS stock profile & AI dashboard →

13F Pro Quality Score

74.2/100

Rank #116 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

88.9/100

Profitability

95.1/100

Balance Sheet

46.2/100

Earnings Quality

48.1/100

Free Cash Flow

90.2/100

Institutional Flow

44.9/100

Revenue Scale

48.7/100

Dilution Risk

94.7/100

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Why PFS Scores 74/100

exact factor attribution · 2026-09-11

PFS's composite is driven by revenue growth and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.4 pts

89th pct

Profitability

+9.0 pts

95th pct

Free cash flow

+6.0 pts

90th pct

Shareholder dilution

+3.0 pts

95th pct

Earnings growth

+2.9 pts

94th pct

Earnings quality

-0.2 pts

48th pct

Scale

-0.3 pts

49th pct

Institutional flow

-0.3 pts

45th pct

Capital efficiency

-0.5 pts

46th pct

Latest change (2026-08-07): 69 → 67 · ↓ Revenue growth 70→53

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PFS Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for PROVIDENT FINANCIAL SERVICES INC (PFS), a Financials sector company. 13F Pro's AI-powered ranking engine scores PFS at 74.2/100 on a 32-signal composite quality model, placing it at rank #116 of 2,961 stocks — the top 5% of the AI-ranked universe. PFS scores in the top quartile across profitability (95.1), free cash flow (90.2), revenue growth (88.9). Based on the latest XBRL financial filings (Q2 2026), PROVIDENT FINANCIAL SERVICES INC reports quarterly revenue of $234.7M, net income of $78.1M, an operating margin of 45.2%. Top institutional holders of PFS by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. PFS trades on the NYSE exchange and files with the SEC under CIK 1178970. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PFS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PROVIDENT FINANCIAL SERVICES INC directly from SEC EDGAR. PROVIDENT FINANCIAL SERVICES INC's 13F Pro composite quality score has ranged between 52 and 74 since 2021, currently 74.2 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about PROVIDENT FINANCIAL SERVICES INC

Quirks, history, and lore behind PFS — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · mid-cap · listed on the NYSE · headquartered in New Jersey.
2
The Numbers
It holds roughly $13–14 billion in total assets and operates over 90 branch locations — big enough to matter, small enough that Wall Street barely notices.
3
The History
Tracing its roots back to a savings bank founded in the late 1800s, it converted from a mutual savings institution to a publicly traded stock company in the early 2000s.
4
The Secret
Its bread and butter is commercial real estate lending and business banking — the unglamorous but steady engine behind most community bank profits.
5
The Lore
It has been on an acquisition spree through New Jersey and the surrounding region, snapping up smaller community banks to build scale without ever leaving its Garden State comfort zone.
6
The Giveaway
Its ticker is PFS, it operates as Provident Bank, and it is the flagship of a financial holding company whose full name essentially shouts "reliable" in three words.

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What's Driving PFS's Business? Latest 10-Q Breakdown

AI-extracted from PROVIDENT FINANCIAL SERVICES INC's 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income increased 8.5% YoY to $78.1M in Q2 2026, driven by net interest margin expansion of 12 basis points and higher non-interest income, though non-performing loans surged to 0.68% of portfolio.

Biggest Revenue Drivers

Net interest income$202.7M+8.3% YoY

Driven by net interest margin expansion of 12 basis points to 3.48%, originations at current market rates, and favorable deposit repricing

Biggest Revenue Drivers

Net interest income$202.7M+8.3% YoY

Driven by net interest margin expansion of 12 basis points to 3.48%, originations at current market rates, and favorable deposit repricing

Largest Expense Items

Compensation and employee benefits$67.3M+6.4% YoY

Increased salary, medical benefits, and stock-based compensation expenses; includes severance costs

Non-interest expense (total)$119.3M+4.0% YoY

Increased compensation, core system conversion costs of $1.5M; partially offset by lower intangible amortization

Margins: Net interest margin expanded 12 basis points to 3.48% YoY as declining deposit costs (down 25 bps on interest-bearing deposits) more than offset a 7 bps decline in loan yields. The margin benefit from favorable deposit repricing and loan originations at current rates outweighed headwinds from lower yielding assets.

Watch Items from the Filing

Provision for credit losses increased to $9.6M in Q2 2026 versus recapture of $2.7M in Q2 2025, driven by loan portfolio growth and higher reserves on individually evaluated loans. Allowance coverage ratio at 92 basis points.
Commercial real estate concentration at 59.6% of loan portfolio ($11.95B) with elevated sensitivity to economic conditions, particularly retail (22.8%), industrial (19.5%) and office (6.3%) sectors. Multi-family represents 34.3% of CRE portfolio.
New Jersey Tax Authority has issued preliminary assessment of ~$14M additional CBT plus ~$7M interest/penalties for 2020-2023; company contests position but continues engagement. Company believes position sustainable based on technical merits.
Uninsured and uncollateralized deposits represent $5.0B (25.6% of deposits), with total uninsured deposits of $10.62B. Brokered deposits increased to $1.27B from $769.6M at year-end.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$234.7M

Net Income

Q2 2026

$78.1M

Free Cash Flow

Q2 2026

$108.6M

Operating Margin

Q2 2026

45.2%

ROIC

Q2 2026

14.6%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+25.3% YoY

$870.4MFY 2025

FY22 $505.3MFY23 $479.3MFY24 $694.7MFY25 $870.4M

Net Income

+152.0% YoY

$291.2MFY 2025

FY22 $175.6MFY23 $128.4MFY24 $115.5MFY25 $291.2M

EPS (Diluted)

+112.4% YoY

$2.23FY 2025

FY22 $2.35FY23 $1.71FY24 $1.05FY25 $2.23

Total Assets

+3.9% YoY

$24.98BFY 2025

FY22 $13.78BFY23 $14.21BFY24 $24.05BFY25 $24.98B

Op. Cash Flow

+3.7% YoY

$442.3MFY 2025

FY22 $200.3MFY23 $173.4MFY24 $426.4MFY25 $442.3M

Free Cash Flow

+1.3% YoY

$430.7MFY 2025

FY22 $190.9MFY23 $165.9MFY24 $425.1MFY25 $430.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$870.4M +25.3%	$694.7M +45.0%	$479.3M -5.2%	$505.3M +11.6%	$452.8M +17.6%	$385.0M
Net Income	$291.2M +152.0%	$115.5M -10.0%	$128.4M -26.9%	$175.6M +4.6%	$167.9M +73.2%	$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
Total Assets	$24.98B +3.9%	$24.05B +69.3%	$14.21B +3.1%	$13.78B +0.0%	$13.78B +6.7%	$12.92B
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
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

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Available Research

13F Pro tracks comprehensive data for PROVIDENT FINANCIAL SERVICES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PFS

BlackRock, Inc.
$454.9M19,244,342 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$194.6M8,233,317 sh
DIMENSIONAL FUND ADVISORS LP
$193.2M8,173,769 sh
STATE STREET CORP
$190.2M8,044,048 sh
VANGUARD CAPITAL MANAGEMENT LLC
$133.4M5,644,266 sh
AMERICAN CENTURY COMPANIES INC
$101.4M4,291,092 sh
GEODE CAPITAL MANAGEMENT, LLC
$82.6M3,492,733 sh
WELLINGTON MANAGEMENT GROUP LLP
$73.3M3,101,027 sh
MILLENNIUM MANAGEMENT LLC
$54.3M2,296,256 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$44.3M1,871,847 sh

Fund	Value	Shares
BlackRock, Inc.	$454.9M	19,244,342
VANGUARD PORTFOLIO MANAGEMENT LLC	$194.6M	8,233,317
DIMENSIONAL FUND ADVISORS LP	$193.2M	8,173,769
STATE STREET CORP	$190.2M	8,044,048
VANGUARD CAPITAL MANAGEMENT LLC	$133.4M	5,644,266
AMERICAN CENTURY COMPANIES INC	$101.4M	4,291,092
GEODE CAPITAL MANAGEMENT, LLC	$82.6M	3,492,733
WELLINGTON MANAGEMENT GROUP LLP	$73.3M	3,101,027
MILLENNIUM MANAGEMENT LLC	$54.3M	2,296,256
SYSTEMATIC FINANCIAL MANAGEMENT LP	$44.3M	1,871,847

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Is PFS a good stock to buy?

13F Pro's AI-powered analysis of PROVIDENT FINANCIAL SERVICES INC (PFS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PFS are available on the PFS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. PFS is classified as a mid company.

Which hedge funds own PFS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PFS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PROVIDENT FINANCIAL SERVICES INC's investment landscape.