PFS
Provident Financial·NYSE
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PFS fundamentals
Provident Financial (PFS) released its earnings on Jan 28, 2026: revenue was 223.90M (YoY +8.74%), missed estimates; EPS was 0.64 (YoY +33.22%), beat estimates.
Revenue / YoY
223.90M
+8.74%
EPS / YoY
0.64
+33.22%
Report date
Jan 28, 2026
PFS Earnings Call Summary for Q4,2025
- Record Q4 Performance: $83M net income, 1.78% ROA, $111M pre-provision net revenue.
- Growth Momentum: $3.2B loan production, 6.6% deposit growth, $28.3M noninterest income.
- 2026 Guidance: 4-6% loan/deposit growth, $28.5M/Q noninterest income, 120-130% core ROA.
- Strategic Initiatives: Core system upgrade, SBA expansion, wealth management investment.
- Risk Management: 0.32% nonperforming assets, 7bps annualized net charge-offs.
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Revenue & Expenses
Key Indicators
Provident Financial (PFS) key financial stats and ratios, covering profitability, financial health, and leverage.
Provident Financial (PFS)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Provident Financial (PFS)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Provident Financial (PFS)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Provident Financial (PFS) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Provident Financial (PFS) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
Did Provident Financial beat or miss consensus estimates last quarter?What is Provident Financial's gross profit margin?What does Provident Financial do and what are its main business segments?What guidance did Provident Financial's management provide for the next earnings period?What is the market's earnings forecast for Provident Financial next quarter?What factors drove the changes in Provident Financial's revenue and profit?What is Provident Financial's latest dividend and current dividend yield?What were the key takeaways from Provident Financial’s earnings call?
