PFS on NYSE

PROVIDENT FINANCIAL SERVICES INC

In its 2026 annual report the company says: “The Company is a Delaware corporation which became the holding company for Provident Bank on January 15, 2003, following the completion of the Bank's conversion to a New Jersey-chartered capital stock savings bank.”6 It is headquartered in Jersey City, United States.2 Its shares trade on NYSE under the symbol PFS.2

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Last updated Oct 21, 2026.

Overview

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  • TickerPFS on NYSE2
  • IndustrySavings Institution, Federally Chartered2
  • HeadquartersJersey City, United States2
  • Incorporated inDE3
  • Business address830 Bergen Avenue, Jersey City, Nj 073063
  • Filer categoryLarge accelerated filer3
  • Legal formCorporation2
  • LEI529900JOSO3SXEDVE4772
  • StatusActive2
  • LEI statusLapsed (not renewed)2
  • Registered addressc/o GREGORY INVESTMENT CORPORATION, 1150 NORTH MARKET STREET STE 918, 19801 Wilmington, United States2
  • Registered withDivision of Corporations, Department of State, 35306492

The Company is a Delaware corporation which became the holding company for Provident Bank (the “Bank”) on January 15, 2003, following the completion of the Bank's conversion to a New Jersey-chartered capital stock savings bank. On January 15, 2003, the Company issued an aggregate of 59,618,300 shares of its common stock, par value $0.01 per share in a subscription offering, and contributed $4.8 million in cash and 1,920,000 shares of its common stock, which amounted to $24.0 million in aggregate, to The Provident Bank Foundation, a charitable foundation established by the Bank. The Company recognized an expense, net of income tax benefit, equal to the cash and fair value of the stock during 2003. Conversion costs were deferred and deducted from the proceeds of the shares sold in the offering. As a result of the conversion and related stock offering, the Company raised $567.2 million in n…6 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

398.3%Net margin7
7.1%Revenue growth, 20257
10.3%Return on equity7
$430.7MFree cash flow7

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax29¢$117.0M
  • Profit71¢$291.2M

Out of $73.1M in revenue.7

Where each dollar of operating cash went, fiscal 2025

  • Capital spending3¢$11.5M
  • Dividends paid28¢$125.9M
  • Kept or used elsewhere69¢$304.8M

Out of $442.3M of cash from operations.7

Financial statements

Revenue8910117$73.1M in 2025+77% since 2019
0$20.0M$40.0M$60.0M$80.0M2019: $41.4M$41.4M20192020: $45.5M$45.5M2020+10%2021: $57.6M$57.6M2021+26%2022: $55.0M$55.0M2022−4%2023: $57.5M$57.5M2023+5%2024: $68.3M$68.3M2024+19%2025: $73.1M$73.1M2025+7%
Net income8910117$291.2M in 2025+159% since 2019
0$100.0M$200.0M$300.0M2019: $112.6M$112.6M20192020: $97.0M$97.0M2020−14%2021: $167.9M$167.9M2021+73%2022: $175.6M$175.6M2022+5%2023: $128.4M$128.4M2023−27%2024: $115.5M$115.5M2024−10%2025: $291.2M$291.2M2025+152%
Fiscal year2019202020212022202320242025
Revenue$41.4M8$45.5M9$57.6M10$55.0M11$57.5M7$68.3M7$73.1M7
Interest$73.5M8$50.7M9$36.3M10$48.6M10$216.4M10
Income before tax$227.1M10$240.1M11$175.8M7$149.6M7$408.2M7
Income tax$34.5M8$30.6M9$59.2M10$64.5M11$47.4M7$34.1M7$117.0M7
Net income$112.6M8$97.0M9$167.9M10$175.6M11$128.4M7$115.5M7$291.2M7
Earnings per share$1.748$1.399$2.2010$2.3511$1.727$1.057$2.237
Earnings per share (diluted)$1.748$1.399$2.1910$2.3511$1.717$1.057$2.237
Shares (weighted, basic)76.5M shares1074.7M shares1174.8M shares7109.7M shares7130.5M shares7
Shares (weighted, diluted)76.6M shares1074.8M shares1174.9M shares7109.7M shares7130.5M shares7

Compare PROVIDENT FINANCIAL SERVICES INC with another company

Corporate structure

PROVIDENT FINANCIAL SERVICES INC sits at the top of its group. 6 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PROVIDENT FINANCIAL SERVICES INC

  • PROVIDENT FINANCIAL SERVICES INC Jersey City, New Jersey, United States
    • Provident Bank of New Jersey Woodbridge Township, New Jersey, United States
    • 1st Constitution Capital Trust II (non-consolidated) Subsidiary · Delaware, United States
    • Lakeland Bancorp Capital Trust II (non-consolidated) Subsidiary · Delaware, United States
    • Lakeland Bancorp Capital Trust IV (non-consolidated) Subsidiary · Delaware, United States
    • Sussex Capital Trust II (non-consolidated) Subsidiary · Delaware, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What PROVIDENT FINANCIAL SERVICES INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$26.9M7 Dec 31, 2025$27.6M7 Dec 31, 2024−2.5%
Buildings and improvements$127.3M7 Dec 31, 2025$128.9M7 Dec 31, 2024−1.3%
Furniture and fixtures$84.4M7 Dec 31, 2025$80.3M7 Dec 31, 2024+5.2%
Leasehold improvements$59.5M7 Dec 31, 2025$59.1M7 Dec 31, 2024+0.7%
Construction in progress$7.7M7 Dec 31, 2025$4.9M7 Dec 31, 2024+58.1%
Property and equipment, before depreciation$305.9M7 Dec 31, 2025$300.8M7 Dec 31, 2024+1.7%
Accumulated depreciation$192.5M7 Dec 31, 2025$181.2M7 Dec 31, 2024+6.3%
Property and equipment, net$113.3M7 Dec 31, 2025$119.6M7 Dec 31, 2024−5.3%
Operating-lease assets (leased space)$57.9M7 Dec 31, 2025$62.3M7 Dec 31, 2024−6.9%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$209.1M7 Dec 31, 2025$205.9M7 Dec 31, 2024+1.5%
Equity securities at fair value$19.9M7 Dec 31, 2025$19.1M7 Dec 31, 2024+4.0%
Loans, net of allowance$19.3B7 Dec 31, 2025$18.6B7 Dec 31, 2024+3.8%
Deposits held (banks)$19.3B7 Dec 31, 2025$18.6B7 Dec 31, 2024+3.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$624.1M7 Dec 31, 2025$624.1M7 Dec 31, 20240%

Properties, in its own words

Property

As of December 31, 2025, the Bank conducted business through 141 full-service branch offices located throughout New Jersey, as well as Bucks, Lehigh and Northampton counties in Pennsylvania and Orange, Nassau and Queens counties in New York. Additionally, the Bank maintains satellite loan production offices throughout New Jersey, as well as in Bethlehem, Philadelphia and Plymouth Meeting, Pennsylvania and Nassau and Orange County, New York. The aggregate net book value of premises and equipment was $113.3 million as of December 31, 2025.

The rest of Item 2

The Company’s executive offices are located in a leased facility at 239 Washington Street, Jersey City, New Jersey, which is also the Bank’s Main Office. The Company's and Bank’s administrative offices are located in a leased facility at 111 Wood Avenue South, Iselin, New Jersey.

Item 2 of the 10-K filed Feb 27, 2026.6

Leadership

Who has led PROVIDENT FINANCIAL SERVICES INC, and when. Pick a name to see everywhere that person has worked.

Board members and other officers (61)

Subsidiaries and ownership

Subsidiaries (GLEIF)

Subsidiaries (Exhibit 21)

  • 1st Constitution Capital Trust II (non-consolidated) Delaware4
  • Lakeland Bancorp Capital Trust II (non-consolidated) Delaware4
  • Lakeland Bancorp Capital Trust IV (non-consolidated) Delaware4
  • Provident Financial Services, Inc. New Jersey4
  • Sussex Capital Trust II (non-consolidated) Delaware4

Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record. The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Aug 24, 20268-K Other events82
  2. Aug 14, 20268-K Regulation FD disclosure83
  3. Aug 4, 20268-K Executive or director change; Regulation FD disclosure84
  4. Jul 30, 20268-K Results of operations; Regulation FD disclosure85
  5. Jul 30, 20268-K Regulation FD disclosure86
  6. Jul 30, 20268-K Regulation FD disclosure87
  7. Jun 23, 20268-K Executive or director change; Regulation FD disclosure88
  8. Jun 4, 20268-K Other events89
  9. May 26, 20268-K Executive or director change90
  10. May 22, 20268-K Shareholder vote91
  11. Apr 30, 20268-K Regulation FD disclosure92
  12. Apr 30, 20268-K Results of operations; Regulation FD disclosure93
  13. Mar 7, 2022New chief executive Anthony J. Labozzetta becomes CEO15
  14. May 3, 2021New chief executive George Lista becomes CEO16
  15. Feb 28, 2011New chief executive Christopher P. Martin becomes CEO17
  16. Mar 9, 2006New chief executive Paul M. Pantozzi becomes CEO18

Calendar

Coming up

  1. Oct 28, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.55 a share, on Oct 29, 2025.94

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results85
  2. Apr 30, 2026Reported quarterly or annual results93
  3. Jan 28, 2026Reported quarterly or annual results95
  4. Oct 30, 2025Reported quarterly or annual results96
  5. Jul 24, 2025Reported quarterly or annual results97
  6. Apr 25, 2025Reported quarterly or annual results98
  7. Jan 29, 2025Reported quarterly or annual results99
  8. Oct 30, 2024Reported quarterly or annual results100

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

436 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 81 major events, 257 insider forms, 17 large holders, 61 other. The latest 20:

  1. Sep 15, 20264 EDGAR
  2. Sep 4, 2026144 EDGAR
  3. Sep 1, 20264 EDGAR
  4. Sep 1, 2026144 EDGAR
  5. Aug 24, 20268-K EDGAR
  6. Aug 24, 2026424B5 EDGAR
  7. Aug 20, 2026FWP EDGAR
  8. Aug 20, 2026FWP EDGAR
  9. Aug 20, 2026424B5 EDGAR
  10. Aug 19, 20264 EDGAR
  11. Aug 18, 2026144 EDGAR
  12. Aug 14, 20268-K EDGAR
  13. Aug 10, 20264 EDGAR
  14. Aug 7, 202610-Q EDGAR
  15. Aug 5, 20263 EDGAR
  16. Aug 5, 20263 EDGAR
  17. Aug 4, 2026144 EDGAR
  18. Aug 4, 20268-K EDGAR
  19. Jul 30, 20268-K EDGAR
  20. Jul 30, 20268-K EDGAR

The 436 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

50 open-market trades by officers, directors and large owners since October 2021: 16 buys and 34 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 14, 2026Christy James A.EVP, CRO of Provident BankSale3,000$23.36$70.1KForm 4
Sep 1, 2026SHARA THOMASDirectorSale40,266$23.06$928.5KForm 4
Aug 31, 2026SHARA THOMASDirectorSale15,900$23.30$370.5KForm 4
Aug 18, 2026Giannola VitoEVP & CRBO of provident BankSale20,000$24.36$487.2KForm 4
Jun 12, 2026LISTA GEORGEPres/CEO Prov Protection PlusSale3,528$23.41$82.6KForm 4
May 8, 2026LISTA GEORGEPres/CEO Prov Protection PlusSale2,556$22.40$57.3KForm 4
Feb 26, 2026MCCRACKEN ROBERT EDirectorSale6,177$22.13$136.7KForm 4
Feb 5, 2026MARTIN CHRISTOPHER PExecutive ChairmanSale1,050$23.45$24.6KForm 4
Nov 6, 2025LISTA GEORGEPres/CEO Prov Protection PlusSale8,262$18.35$151.6KForm 4
Sep 12, 2025Christy James A.EVP, CRO of Provident BankSale3,000$19.90$59.7KForm 4
Sep 11, 2025Pugliese JohnDirectorSale25,000$19.91$497.8KForm 4
Aug 21, 2025Giannola VitoEVP & CRBO of provident BankSale7,474$18.77$140.3KForm 4
Jun 11, 2025MARTIN CHRISTOPHER PExecutive ChairmanSale55,668$17.07$950.3KForm 4
Mar 13, 2025LISTA GEORGEPres/CEO Prov Protection PlusBuy1,000$16.73$16.7KForm 4
Dec 11, 2024Christy James A.EVP, CRO of Provident BankSale3,500$20.88$73.1KForm 4
Nov 20, 2024LEPPERT EDWARD JDirectorSale69,921$20.63$1.4MForm 4
Nov 20, 2024MARTIN CHRISTOPHER PExecutive ChairmanSale18,153$20.62$374.3KForm 4
Nov 18, 2024FEKETE FRANK LDirectorSale6,209$21.45$133.2KForm 4
Nov 8, 2024Sierotko WalterEVP of Provident BankSale15,418$21.10$325.3KForm 4
Aug 21, 2024Giannola VitoEVP & CRBO of provident BankSale6,501$18.00$117.0KForm 4

All 50 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Anthony J. LabozzettaPresident & Chief Executive Officer$998.1K$3.5M108
2025Thomas J. SharaExecutive Vice Chairman$760.0K$2.9M108
2025Thomas M. LyonsSenior Executive Vice President and Chief Financial Officer$582.8K$1.4M108
2025Ravi VakacherlaExecutive Vice President Chief Information and Operations Officer$474.7K$1.1M108
2025George ListaExecutive Vice President, President/Provident Protection Plus$712.2K$1.1M108
2024Thomas J. SharaExecutive Vice Chairman$433.6K$5.8M108
2024Anthony J. LabozzettaPresident & Chief Executive Officer$945.2K$3.5M108
2024Thomas M. LyonsSenior Executive Vice President and Chief Financial Officer$565.9K$1.6M108
2024Ravi VakacherlaExecutive Vice President Chief Information and Operations Officer$457.9K$1.2M108
2024George ListaExecutive Vice President, President/Provident Protection Plus$647.2K$986.6K108
2023Anthony J. LabozzettaPresident & Chief Executive Officer$818.3K$2.1M108
2023Thomas M. LyonsSenior Executive Vice President and Chief Financial Officer$549.3K$1.2M108
2023George ListaExecutive Vice President, President/Provident Protection Plus$637.2K$944.9K108

SEC filer profile

How PROVIDENT FINANCIAL SERVICES INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPROVIDENT FINANCIAL SERVICES INC1
  • CIK0001178970
  • Employer ID (EIN)42-15471516
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company6
  • Incorporated inDelaware6
  • Fiscal year endsDecember 311
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address830 Bergen Avenue, Jersey City, NJ 073061
  • Phone20133310001
  • Shares outstanding130,422,618 as of Aug 3, 202613
  • Public float$2.1B as of Jun 30, 20256
  • AuditorKPMG LLP, New York, New York PCAOB ID 185; it also attests to the company’s internal control over financial reporting6
  • On EDGAR sinceAug 16, 20021
  • Filings2,017 in all: 4 (1,247), 8-K (301), 10-Q (72), SC 13G/A (72), 3 (48), 11-K (25), 10-K (24), DEF 14A (23)1
    All 46 form types

    144 (21), 4/A (21), 5 (19), 425 (17), DEFA14A (16), SC 13G (13), UPLOAD (9), CORRESP (8), 8-K/A (7), 424B3 (6), 3/A (5), EFFECT (5), S-4 (5), S-8 (5), 424B5 (4), ARS (4), FWP (4), S-3ASR (4), S-4/A (4), S-1/A (3), SCHEDULE 13G (3), SCHEDULE 13G/A (3), 10-K/A (2), 11-K/A (2), SE (2), 305B2 (1), 8-A12B (1), 8-A12B/A (1), CERTNYS (1), DEFM14A (1), POS AM (1), RW (1), S-1 (1), S-3 (1), S-3/A (1), S-3D (1), S-4MEF (1), S-8 POS (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 8, 2026
    Latest 8-K (8-K) Aug 24, 2026

Securities registered for trading

ClassSymbolExchange
CommonPFSNew York Stock Exchange

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).6

Risk factors and legal proceedings

The risks PROVIDENT FINANCIAL SERVICES INC names in Item 1A of its 10-K filed Feb 27, 2026: 33 risks under these headings, as written.6

  • Risks Related to the Recent Merger with Lakeland
  • The regulatory approvals received for the merger of the Company and Lakeland include conditions and commitments that could in the future have adverse effects on the Company.
  • As a result of the merger, the Bank has become subject to additional requirements imposed by the DOJ.
  • Risks Related to the Economy, Financial Markets, and Interest Rates
  • Changes to the underlying drivers of our net interest income could adversely affect our results of operations and financial condition.
  • A general economic slowdown or uncertainty that produces either reduced returns or excessive market volatility could adversely impact our overall profitability, including our wealth management fee income and our access to capital and liquidity.
  • Another shutdown of the federal government could adversely affect our results of operations and financial condition.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings could decrease.
  • Commercial real estate, commercial and industrial and construction loans expose us to increased risk and earnings volatility.
  • Any event that disrupts the U.S. federal government’s continuity or undermines perceptions of fiscal stability could reduce investor confidence and adversely affect the value of U.S. government securities, thereby increasing market volatility and our future borrowing costs.
  • Risks Related to Regulatory, Compliance, Environmental and Legal Matters
  • We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.
The other 24 risks
  • Financial institutions are facing increased scrutiny and potential enforcement actions from federal agencies, leading to the need to update internal risk-scoring and compliance procedures.
  • As a larger financial institution, we are subject to additional regulation and increased supervision.
  • The fiscal, monetary and regulatory policies of the federal government and its agencies could have an adverse effect on our results of operations.
  • We face regulatory scrutiny based on our commercial real estate lending.
  • Future acquisitions may be delayed, impeded, or prohibited due to regulatory issues.
  • We may experience impairments of goodwill or other intangible assets in the future.
  • Climate change and related governmental action may materially affect the Company’s business and results of operations.
  • Risks Related to Business Environment, Operations and Strategy.
  • We have incurred, and may incur in the future, significant costs related to acquisitions by merger and subsequent integration activities.
  • Our continuing concentration of business in a relatively confined region may increase our risk.
  • Acts of terrorism, severe weather, natural disasters, public health issues, geopolitical and other external events could impact our ability to conduct business.
  • We may not be able to detect money laundering and other illegal or improper activities fully or on a timely basis, which could expose us to additional liability and could have a material adverse effect on us.
  • Our funding sources may prove insufficient or costly to support our future growth. A lack of liquidity could adversely affect our financial condition and results of operations and result in regulatory limits being placed on the Company.
  • Strong competition within our market area may limit our growth and profitability.
  • The Company’s models used for business planning purposes could perform poorly or provide inadequate information.
  • We may need to raise additional capital in the future and such capital may not be available when needed or at all.
  • Risks Related to Our Pending Core Conversion
  • We expect to incur significant costs related to our core system integration.
  • Risks Related to Technology and Security
  • A cyber-attack, data breach, or a technology failure of ours could adversely affect our ability to conduct our business or manage our exposure to risk, result in the disclosure or misuse of confidential or proprietary information, increase our costs to maintain and update our operational and security systems and infrastructure, and adversely impact our results of operations, liquidity and financial condition, as well as cause reputational harm.
  • We rely on third-party providers and other suppliers for a number of services that are important to our business. A breach, failure, interruption, cessation of an important service by any third-party could have a material adverse effect on our business, as well as cause reputational harm.
  • Artificial Intelligence presents risks and challenges that may adversely affect our business.
  • Failure to keep pace with technological changes could adversely affect our business.
  • Risks Related to Our Common Stock
  • Anti-takeover provisions could negatively impact our shareholders.
  • There may be future sales or other dilution of the Company's equity, which may adversely affect the market price of our common stock.
  • The Company relies on dividends from our subsidiaries for most of our revenue.

Legal proceedings

The Company is involved in various legal actions and claims arising in the normal course of its business. Liabilities for loss contingencies arising from such litigation and claims are recorded when it is probable that a liability has been incurred and the amount can be reasonably estimated.

As of December 31, 2025, $2.1 million was recorded in total contingent litigation reserves.

The opening of Item 3, Legal Proceedings.6

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