PFSPROVIDENT FINANCIAL SERVICES INC
Savings Institution, Federally Chartered
- Revenue
- $73M
- 7.1% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear152% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear28% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $58M | $55M | $58M | $68M | $73M | 7.1% |
| Net income | $168M | $176M | $128M | $116M | $291M | 151% |
| Operating cash flow | $157M | $200M | $173M | $426M | $442M | 3.7% |
| Capex | $14M | $9M | $7M | $1M | $12M | 783% |
| Buybacks | $21M | $47M | $0 | $0 | $0 | |
| Dividends | $71M | $72M | $72M | $101M | $126M | 25% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $70K · 1
- Net
- −$70K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 141 | 160 |
| FY2024 | — | — | 128 | 146 |
| FY2023 | — | — | 115 | 123 |
| FY2022 | — | — | 129 | 123 |
| FY2021 | — | — | 140 | 139 |