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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 revenues and strong profitability in Q4, with net earnings of $83.4 million ($0.64 per share) and annualized ROA of 1.34%.
Full-year 2025 net income was $291.2 million ($2.23 per share), up from $115.5 million in 2024.
Pre-provision net revenue reached a record $111 million, with consistent growth since the Lakeland transaction.
Organic growth momentum was sustained across both loans and deposits, supported by positive operating leverage and a loan pipeline consistently over $2.5 billion for the past four quarters.
No merger-related transaction costs in 2025, compared to $117 million in 2024; 2024 results included a $60.1 million CECL provision from the Lakeland merger.
Financial highlights
Revenue hit a record $226 million, with net interest income of $197.4 million and non-interest income of $28.3 million.
Average earning assets increased $307 million (annualized 5.4%) versus the prior quarter.
Core net interest margin rose 7 basis points to 3.01%; reported NIM at 3.44%.
Tangible book value per share increased $0.57 to $15.70; tangible common equity ratio rose to 8.48%.
Total commercial loan portfolio grew by $225.3 million (5.35% annualized) to $16.93 billion in Q4 2025; total deposits increased by $182.4 million (3.79% annualized) to $19.28 billion.
Outlook and guidance
Projecting core NIM expansion of 3-5 basis points 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 system conversion scheduled for Labor Day weekend 2026, with $5 million in non-recurring charges expected.
Management expects continued EPS growth and compounding tangible book value in 2026, with ongoing investments to sustain momentum.
What is the scale of 2026 talent investments?
How will deposit competition affect NIM?
Describe M&A target criteria
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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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