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The latest update is out from Provident Financial Services ( (PFS) ).
On January 28, 2026, Provident Financial Services furnished investors with its fourth-quarter 2025 results presentation, highlighting record quarterly revenues of $226 million driven by growth in both net interest income and non-interest income. For Q4 2025, the company reported diluted EPS of $0.64, a return on average assets of 1.34%, and a return on average tangible common equity of 17.58%, underpinned by six consecutive quarters of pre-provision net revenue growth to $111 million and full-year 2025 PPNR of $414 million, or $3.18 per share. The bank continued to post strong balance sheet trends, with total assets of $25.0 billion, total loans of $19.5 billion, and total deposits of $19.3 billion, while core net interest margin expanded on the back of robust loan growth, disciplined deposit cost management, and favorable repricing of maturing loans. Commercial lending momentum remained solid, with $3.2 billion of new commercial originations in 2025 and 5.5% net commercial loan growth, alongside a $2.74 billion commercial pipeline at a weighted average rate of 6.22%, supporting earnings power going into 2026. Funding remained granular and relationship-focused, as total deposits grew $182 million in the quarter, core deposits increased $260 million, the average deposit cost fell four basis points to 2.10%, and brokered deposits represented only 4% of the deposit base, with insured and collateralized balances comprising 65.6% of total deposits. Fee-based businesses also contributed more meaningfully, with higher insurance agency income, growing SBA loan gains, and ongoing expansion at wealth manager Beacon Trust, while management emphasized continued focus on positive operating leverage despite modest increases in compensation tied to performance incentives and growth investments, reinforcing the bank’s stable capital profile and strong regulatory ratios.
The most recent analyst rating on (PFS) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on Provident Financial Services stock, see the PFS Stock Forecast page.
Spark’s Take on PFS Stock
According to Spark, TipRanks’ AI Analyst, PFS is a Outperform.
The score is driven mainly by solid financial performance (strong margins and cash generation despite revenue softness) and supportive technicals (uptrend with neutral momentum). Valuation adds a meaningful boost due to the low P/E and high dividend yield, while the earnings call was broadly positive but flagged competitive and prepayment headwinds.
To see Spark’s full report on PFS stock, click here.
More about Provident Financial Services
Provident Financial Services, Inc. is the parent of Provident Bank, a full-service commercial and consumer bank founded in 1839 and headquartered in New Jersey. With 140 branches across New Jersey, eastern Pennsylvania, and New York’s Orange, Queens, and Nassau counties, the bank operates a diversified model combining traditional lending and deposit services with wealth management and insurance operations, positioning itself as a premier regional banking franchise with strong capital, high asset quality, and a growing digital and technology footprint.
Average Trading Volume: 857,923
Technical Sentiment Signal: Buy
Current Market Cap: $2.69B
Learn more about PFS stock on TipRanks’ Stock Analysis page.