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Dec 31, 2025
Provident Financial Q4 2025 Earnings Report
Provident Financial Services reported strong Q4 2025 results with record revenue, higher net income, and improved asset quality.
Key Takeaways
Provident Financial Services posted a solid Q4 2025, achieving record revenue of $225.7 million and net income of $83.4 million. The company saw increases in net interest income, improved asset quality, and higher tangible book value per share.
Net income rose to $83.4 million, up from $48.5 million in Q4 2024.
EPS increased to $0.64 from $0.37 in the prior year quarter.
Revenue reached a record $225.7 million, with strong contributions from net interest and non-interest income.
Non-performing loans to total loans improved to 0.40% from 0.52% in Q3 2025.
Revenue by Segment
Forward Guidance
Provident Financial expects continued EPS growth in 2026, alongside long-term investments in core banking, wealth management, and insurance businesses.
Positive Outlook
- EPS growth expected to continue into 2026.
- Loan pipeline remained strong at $2.74 billion.
- Focus on middle market, insurance, and wealth management expansion.
- Investments in non-interest income generation continue.
- Tangible book value expected to compound further.
Challenges Ahead
- Loan yield declined slightly during the quarter.
- Slight decrease in overall loan pipeline compared to Q3 2025.
- Core deposit base experienced some category-level decline (e.g., savings).
- Provision benefit driven by off-balance exposures, masking underlying loan risk.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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