Provident Financial Services, Inc.
Provident Financial Services, Inc. is classed by the SEC under Savings Institution, Federally Chartered (industry code 6035), based in Jersey City, NJ. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $73 million and a profit of $291 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6035, Savings Institution, Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.2 out of ten, 9 of 9 metrics filed: past 6.4 out of ten, present 5.8 out of ten, future 6.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 8.7 out of ten. No warning events in its filings since 2017. 87th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.5 out of ten. +17.3% a year over 10 filed years; profitable in 10 of 10. 75th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 2.6 out of ten. Share count grew 20.4% a year. 29% of cash flow returned. Insiders: 9 sales, 0 purchases. 26th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 4.8 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 48th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.9 out of ten. top 11% of 31 in its family; net margin 22.9%. 89th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 3.1 out of ten. bottom 31% of 25 in its family for leadership; chief executive since 2023. 31st percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 5.6 out of ten. top 44% of 25 in its family for room to expand. 56th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 8.3 out of ten. top 17% of 30 in its family for growth drivers. 83rd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.6 out of ten. top 44% of 29 in its family for expectations against reality. 56th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 for the period ended 2026-07-29 (on EDGAR). Newest filing: Form 4, 2026-09-15. Filings on record since 2002. Read from EDGAR 2026-10-12.
Who runs it
Lista, George (Pres/CEO Prov Protection Plus); Labozzetta, Anthony J (President and CEO); Shara, Thomas (Executive Vice Chairman); Martin, Christopher P (Executive Chairman); Lyons, Thomas M (SEVP and CFO); Vitelli, Annamaria (EVP & Chief Wealth Officer); Fink, William Joseph (EVP & Chief Lending Officer); Murray, Valerie O (EVP & Chief Wealth Mgmt Off); Nigro, James M. (EVP and Chief Credit Officer); Christy, James A. (EVP, CRO of Provident Bank); and 16 more. 26 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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