PFS FINANCIAL STATEMENTS

Provident Financial Services Inc — balance sheet, income statement and cash flow trends

PFSProvident Financial Services Inc

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.4 B $+14.8%

Gross Profit886 M $+40.9%

Operating Income426.5 M $+114.8%

EBITDA490.8 M $+85.6%

Net Income306.5 M $+107.9%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
PFS	—	—	—	21.9%
BOQ	—	—	—	2.0%
EQB	—	—	—	6.6%
BFL	—	—	—	30.2%
KLNMA	—	—	—	58.1%
BEN	—	—	—	—
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity2.9 B $11%
Current Liabilities19.2 B $76%
Long-term Liabilities3.1 B $12%

Key Figures

YoY change

Total Assets25.2 B $+4.0%

Total Liabilities22.3 B $+3.6%

Total Equity2.9 B $+7.7%

Cash & ST Investments3.5 B $+11.2%

Total Debt2.9 B $+5.7%

Net Debt2.7 B $+6.7%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
PFS	0.18	101.0%	-1.16	11.4%
BOQ	0.05	258.4%	49.89	6.0%
EQB	0.09	496.5%	40.36	6.2%
BFL	33.68	9.1%	-3.30	12.0%
KLNMA	—	0.0%	-0.00	17.7%
BEN	0.03	142.6%	—	6.6%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
PFS	0.18	101.0%	-1.16	11.4%
CVBF	0.28	42.8%	2.90	15.0%
FBK	12.60	13.8%	0.43	12.0%
BANC	0.41	98.6%	7.80	10.2%
PRK	1.43	9.9%	0.07	13.1%
WAFD	0.04	104.5%	7.74	10.8%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow438.4 M $-7.4%

Capital Expenditures15.7 M $+220.4%

Free Cash Flow422.7 M $-10.4%

Dividends Paid-125.4 M $-209.3%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
PFS	31.4%	30.3%	1.1%	143.0%
BOQ	13.1%	13.0%	0.2%	668.4%
EQB	-2.9%	-7.6%	3.1%	-44.2%
BFL	116.9%	27.7%	2.8%	386.6%
KLNMA	58.1%	57.8%	0.3%	100.0%
BEN	—	—	—	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
PFS	31.4%	30.3%	1.1%	143.0%
CVBF	37.5%	36.8%	0.7%	115.6%
FBK	19.5%	18.1%	1.3%	104.4%
BANC	15.9%	14.7%	1.2%	117.0%
PRK	27.5%	26.2%	1.4%	106.5%
WAFD	18.5%	15.7%	2.8%	101.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
PFS	—	—	—	21.9%
CVBF	—	—	—	32.4%
FBK	—	—	—	18.7%
BANC	—	—	—	13.6%
PRK	—	—	—	25.8%
WAFD	—	—	—	18.3%
Industry median	—	67.2%	20.4%	20.6%