Provident Financial (PFS) reported $225.2 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 7.9%. EPS of $0.61 for the same period compares to $0.50 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $226.21 million, representing a surprise of -0.45%. The company delivered an EPS surprise of +10.91%, with the consensus EPS estimate being $0.55.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Provident Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency Ratio: 52% compared to the 52.4% average estimate based on three analysts. Net Interest Margin: 3.4% versus 3.5% estimated by three analysts on average. Average Balance - Total interest-earning assets: $23.06 billion versus the three-analyst average estimate of $23.9 billion. Annualized net loan charge-offs to average total loans: 0.1% versus the two-analyst average estimate of 0.1%. Fees: $10.46 million versus $10.67 million estimated by four analysts on average. Net Interest Income: $193.74 million compared to the $197.64 million average estimate based on four analysts. Total Non-Interest Income: $31.45 million versus $28.57 million estimated by four analysts on average. Wealth management income: $7.4 million versus the three-analyst average estimate of $7.76 million. Insurance agency income: $6.85 million versus $5.32 million estimated by three analysts on average. Bank-owned life insurance: $4.03 million compared to the $2.63 million average estimate based on three analysts. Other income: $2.7 million compared to the $1.9 million average estimate based on three analysts.View all Key Company Metrics for Provident Financial here>>>
Shares of Provident Financial have returned +8.7% over the past month versus the Zacks S&P 500 composite's +12.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.7 Best Stocks for the Next 30 Days
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Provident Financial Services, Inc (PFS): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).