Headquartered within the financial services sector, Provident Financial Services, Inc. focuses on Banks - Regional services and products. Provident Financial Services, Inc. The $3.14B market capitalization puts PFS squarely in mid-cap range for its industry. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States.
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On the balance sheet, PFS has $327.3M in cash with $3.06B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 11.1% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $505.3M (2022) to $870.4M (2025), reflecting a 72% increase over the period.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. No single metric tells the full story. Reviewing PFS's risk profile alongside its fundamentals and technical indicators provides a more complete picture.