Will PFS Q1 2025 earnings beat forecasts?

**Provident Financial's (PFS) Q1 2025 earnings are unlikely to beat forecasts.** Here's why: 1. **Earnings Projection**: The estimated EPS for Q1 2025 is $0.47, which suggests a conservative expectation for earnings. This projection does not indicate a significant upside surprise. 2. **Revenue Projection**: The estimated revenue for Q1 2025 is $211.7 million. While this is a reasonable target, it does not suggest a strong revenue outperformance. 3. **Recent Performance**: PFS has seen increased loan originations and a higher net interest margin, which are positive indicators. However, these improvements are offset by rising operating expenses and interest rate pressures. 4. **Earnings History**: PFS's recent earnings history shows a decline in earnings per share (EPS) and revenue, with EPS falling to $0.13 in Q2 2025, below the estimated EPS of $0.29. This recent trend of declining earnings does not bode well for an earnings beat in Q1 2025. 5. **Market Expectations**: Analysts expect earnings of $0.26 per share for Q1 2025, which is lower than the estimated EPS of $0.47. This suggests that the market is cautious about an earnings beat. 6. **Interest Rate Challenges**: The company is navigating interest rate challenges, which can impact net interest margins and overall profitability. This adds an extra layer of uncertainty to the likelihood of earnings beating expectations. In conclusion, while PFS has shown some positive trends, such as increased loan originations and a higher net interest margin, the overall outlook and recent earnings history suggest that PFS's Q1 2025 earnings are more likely to meet expectations rather than beat them.