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/research/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 2026-05-08, the biggest revenue drivers are: Net interest income ($193.7M, +6.6% YoY); Non-interest income ($31.5M, +16.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/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 ($66.2M, +6.1% YoY); Non-interest expense (total) ($117.1M, +0.8% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 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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SEC EDGAR: CIK 1178970 PFS stock profile & AI dashboard →

13F Pro Quality Score

69.0/100

Rank #390 of 2,879 stocksTOP 25%

View Financials peers →

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

Revenue Growth

70.1/100

Profitability

98.1/100

Balance Sheet

44.1/100

Earnings Quality

83.4/100

Free Cash Flow

98.3/100

Institutional Flow

58.2/100

Revenue Scale

14.3/100

Dilution Risk

94.9/100

PFS Stock Analysis & AI Quality Score

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 69.0/100 on a 32-signal composite quality model, placing it at rank #390 of 2,879 stocks — the top 25% of the AI-ranked universe. PFS scores in the top quartile across free cash flow (98.3), profitability (98.1), earnings quality (83.4). Areas of concern include revenue scale (14.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2025), PROVIDENT FINANCIAL SERVICES INC reports quarterly revenue of $225.7M, net income of $83.3M, an operating margin of 49.7%. Top institutional holders of PFS by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD PORTFOLIO MANAGEMENT, 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 69 since 2021, currently 69.0 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

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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 2026-05-08 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $79.4M (+24% YoY) driven by $12M pre-provision revenue growth and $4.7M loan loss recapture, though non-performing loans surged 82% to $142.9M from senior housing bankruptcies.

Biggest Revenue Drivers

Net interest income$193.7M+6.6% YoY

Loan originations and favorable deposit repricing increased net interest income.

Non-interest income$31.5M+16.3% YoY

BOLI income rose $1.9M, insurance agency income increased $1.2M, and fees increased $809K.

Largest Expense Items

Compensation and employee benefits$66.2M+6.1% YoY

Increase driven by annual merit increases, employee medical benefits, and stock-based compensation.

Non-interest expense (total)$117.1M+0.8% YoY

Increases in compensation and occupancy offset by decreases in other operating expenses and FDIC insurance.

Margins: Net interest margin expanded six basis points to 3.40% as deposit costs fell 19 basis points year-over-year, while loan yields declined only 10 basis points. The benefit of favorable liability repricing outweighed modest pressure on asset yields.

Watch Items from the Filing

Non-performing loans surged 82% to $142.9M (0.73% of loans) from $78.4M, driven primarily by four senior housing commercial loans totaling $82.1M in bankruptcy, though strong collateral values (LTVs 33–82%) required no specific reserves.
Commercial real estate concentration remains 59.97% of total loans ($11.79B), with particular exposure to multi-family (34.1%) and retail (23.2%), both sensitive to economic downturns and rising vacancy.
Uninsured and uncollateralized deposits totaled $4.90B (25.6% of deposits); total uninsured deposits were $10.61B, exposing the bank to deposit outflow risk.
Allowance for credit losses decreased to $177.0M (0.90% of loans) from $184.8M, reflecting a $4.7M loan loss recapture due to reduction in specific reserves on individually evaluated loans.

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

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

Revenue

Q4 2025

$225.7M

Net Income

Q4 2025

$83.3M

Free Cash Flow

Q4 2025

$64.1M

Operating Margin

Q4 2025

49.7%

ROIC

Q4 2025

4.0%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+7.1% YoY

$73.1MFY 2025

FY22 $55.0MFY23 $57.5MFY24 $68.3MFY25 $73.1M

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

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$73.1M +7.1%	$68.3M +18.7%	$57.5M +4.6%	$55.0M -4.5%	$57.6M +26.4%	$45.5M
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

AI Insight: PFS Financial Trends

Net income surged 159% from Q1 2024 to Q4 2025 despite flat revenue, indicating strong operational efficiency gains.

• Net income jumped from $32M in Q1 2024 to $83M in Q4 2025, a 159% increase over eight quarters.

• Revenue remained essentially flat around $18M across most quarters, showing no meaningful growth trajectory.

• Equity grew steadily from $1,695M in Q1 2024 to $2,833M in Q4 2025, reflecting consistent balance sheet strengthening.

⚠ Operating cash flow volatility with swings from $69M to $239M between Q4 quarters, indicating uneven cash generation patterns.

⚠ Revenue growth stagnation around $18M level for six consecutive quarters through Q4 2025.

AI Insight: PFS Ratio Trends

PFS delivered steady profitability recovery with ROE climbing from 7.5% in Q4 2024 to 11.8% in Q4 2025.

• ROE improved consistently from 7.5% in Q4 2024 to 11.8% in Q4 2025, reaching highest level in available data.

• ROIC expanded from 9.6% in Q4 2024 to 15.8% in Q4 2025, indicating improving capital efficiency.

• ROA strengthened from 0.8% in Q4 2024 to 1.3% in Q4 2025, showing better asset utilization.

• Q2 2024 showed severe losses with negative 65.1% NPM and negative 1.8% ROE before recovery.

⚠ Operating margin and net profit margin data largely missing, limiting visibility into operational efficiency trends.

⚠ TTM ROE of 10.3% trails Q4 2025's 11.8%, suggesting recent quarterly strength may not fully reflect annual performance.

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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.
$408.9M19,323,102 sh
DIMENSIONAL FUND ADVISORS LP
$170.8M8,070,734 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$170.6M8,064,710 sh
STATE STREET CORP
$154.1M7,281,616 sh
WELLINGTON MANAGEMENT GROUP LLP
$122.4M5,786,655 sh
VANGUARD CAPITAL MANAGEMENT LLC
$118.7M5,608,934 sh
AMERICAN CENTURY COMPANIES INC
$75.9M3,586,192 sh
GEODE CAPITAL MANAGEMENT, LLC
$70.3M3,321,507 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$41.4M1,956,748 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$34.2M1,614,684 sh

Fund	Value	Shares
BlackRock, Inc.	$408.9M	19,323,102
DIMENSIONAL FUND ADVISORS LP	$170.8M	8,070,734
VANGUARD PORTFOLIO MANAGEMENT LLC	$170.6M	8,064,710
STATE STREET CORP	$154.1M	7,281,616
WELLINGTON MANAGEMENT GROUP LLP	$122.4M	5,786,655
VANGUARD CAPITAL MANAGEMENT LLC	$118.7M	5,608,934
AMERICAN CENTURY COMPANIES INC	$75.9M	3,586,192
GEODE CAPITAL MANAGEMENT, LLC	$70.3M	3,321,507
SYSTEMATIC FINANCIAL MANAGEMENT LP	$41.4M	1,956,748
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$34.2M	1,614,684

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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.

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.