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Provident Financial Services
Provident Financial Services (PFS) investor relations material
Provident Financial Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved record net income of $83.4 million ($0.64 per share) in Q4 2025, with annualized ROA of 1.34% and strong profitability.
Full-year 2025 net income was $291.2 million ($2.23 per share), reflecting a full year of combined operations with Lakeland Bancorp and no merger-related costs.
Focused on high-quality, diversified loan growth, core deposit expansion, and investments in non-interest income streams.
Financial highlights
Q4 2025 revenue reached a record $226 million, with net interest income of $197.4 million and non-interest income of $28.3 million.
Net interest margin rose to 3.44% in Q4 2025; core net interest margin increased to 3.01%.
Total assets at year-end 2025 were $24.98 billion, with loans held for investment at $19.50 billion.
Total deposits increased $654.9 million in 2025 to $19.28 billion; core deposits rose to $15.99 billion.
Tangible book value per share rose to $15.70 at year-end 2025; tangible common equity ratio increased to 8.48%.
Outlook and guidance
Projecting core NIM expansion of 3-5 bps per quarter, with reported NIM in the 3.4%-3.5% range for 2026.
Expecting loan and deposit growth of 4%-6% in 2026, non-interest income to average $28.5 million per quarter.
Targeting core ROA of 1.20%-1.30% and mid-teens return on average tangible common equity.
Core operating expenses projected at $118-$120 million per quarter, with a slightly higher run rate in the second half of 2026.
Management expects continued EPS growth and tangible book value compounding in 2026, with ongoing investments to sustain long-term momentum.
Assess sustainability of NPL reduction drivers
Explain NIM vs core NIM divergence
Q4 non-interest income drivers vs strategy alignment
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Next Provident Financial Services earnings date
Q1 202624 Apr, 2026
Provident Financial Services
Next Provident Financial Services earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Provident Financial Services Inc. is a bank holding company that operates through its subsidiary, Provident Bank, providing a range of financial products and services to individuals, businesses, and nonprofit organizations. The company offers personal and commercial banking solutions, including deposit accounts, mortgages, business loans, cash management, and wealth management services. The company is headquartered in Iselin, New Jersey, and its shares are listed on the NYSE.
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