Provident Financial (PFS) reported $225.72 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 9.6%. EPS of $0.64 for the same period compares to $0.37 a year ago.
The reported revenue represents a surprise of +0.84% over the Zacks Consensus Estimate of $223.85 million. With the consensus EPS estimate being $0.56, the EPS surprise was +14.29%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Provident Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 51% compared to the 50.7% average estimate based on two analysts.
- Net Interest Margin: 3.4% compared to the 3.4% average estimate based on two analysts.
- Average Balance - Total interest-earning assets: $22.8 billion versus the two-analyst average estimate of $22.89 billion.
- Fees: $11.1 million compared to the $11.04 million average estimate based on three analysts.
- Other income: $2.25 million compared to the $1.87 million average estimate based on three analysts.
- Bank-owned life insurance: $2.79 million versus the three-analyst average estimate of $2.6 million.
- Wealth management income: $7.63 million versus the three-analyst average estimate of $7.66 million.
- Total Non-Interest Income: $28.31 million versus $26.97 million estimated by three analysts on average.
- Insurance agency income: $3.85 million versus the three-analyst average estimate of $3.84 million.
- Net Interest Income: $197.41 million compared to the $197.04 million average estimate based on three analysts.
View all Key Company Metrics for Provident Financial here>>>
Shares of Provident Financial have returned +1.7% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Provident Financial Services, Inc (PFS): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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