Provident Financial Services, Inc.

PFSNYSEFinancial Services● Active

$22.66

+$0.16(+0.71%)

Market Cap$3.0B

P/E Ratio—

52W High$23.98

52W Low$15.92

Avg Volume979K

Open$22.61

Beta0.79

Free Cash Flow Financials Revenue

Provident Financial Services, Inc. (PFS) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

PFS · free cash flow · updated Jun 8, 2026

Core FCF metrics

PFS · FCF · TTM · margin & CAGR

Free cash flow was $430.7M for FY2025 (fiscal year ending 2025-12-31), up 1.3% year-over-year The FCF margin was 31.1%. Five-year CAGR stands at +36.6%.

FY2025 Free Cash Flow$430.7M▲ +1.3% YoY

Trailing 12M (TTM)$422.7Mtrailing 4 quarters sum

FCF Margin31.1%$430.7M ÷ revenue

3-Year CAGR+31.2%FY2022 → FY2025

5-Year CAGR+36.6%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

PFS · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$442.3M(12M)$430.7M▲ +1.3%31.1%

FY2024$426.4M(1M)$425.1M▲ +156.2%37.3%

FY2023$173.4M(7M)$165.9M▼ 13.1%23.9%

FY2022$200.3M(9M)$190.9M▲ +33.5%34.5%

FY2021$156.8M(14M)$143.0M▲ +58.1%29.2%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

PFS · P/FCF · FCF yield · FCF per share

Provident Financial Services, Inc. (PFS) trades at a FCF yield of 14.31% and a price-to-free-cash-flow ratio of 7.0x. FCF per share stands at $3.24, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

14.31%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.24

TTM FCF ÷ Shares Outstanding

Price / FCF

x7.0

Share Price ÷ FCF per Share

EV / FCF (TTM)

x13.3

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

PFS · cash flow statement · operating / investing / financing

For FY2025, Provident Financial Services, Inc. generated $442.3M in operating cash flow and spent 12M in capital expenditures, yielding $430.7M in free cash flow.

Operating Activities

+$442.3M

Cash from core business operations

2025-12-31

Investing Activities

−$1.05B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$615.6M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($442.3M) − |CapEx| (12M) = FCF ($430.7M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

PFS vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Provident Financial Services, Inc.YOU

PFS

$430.7M+1.3%31.2%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Provident Financial Services, Inc. (PFS) reported free cash flow of $430.7M for FY2025 (fiscal year ending 2025-12-31), up 1.3% year-over-year. The FCF margin was 31.1%.

Based on available data, Provident Financial Services, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $430.7M in FY2025. The 5-year CAGR stands at +36.6%.

Provident Financial Services, Inc.'s FCF yield is 14.31% and price-to-FCF ratio is 7.0x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

PFS free cash flow · 8 questions

Provident Financial Services, Inc. free cash flow was $430.7M for FY2025, up 1.3% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $422.7M.

PFS free cash flowPFS FCFPFS FCF 2025PFS free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Provident Financial Services, Inc. · Provident Financial Services, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026