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Provident Financial (PFS) Reports Q3 Earnings: What Key Metrics Have to Say
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For the quarter ended September 2025, Provident Financial (PFS - Free Report) reported revenue of $221.75 million, up 5.3% over the same period last year. EPS came in at $0.55, compared to $0.36 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $219.41 million, representing a surprise of +1.07%. The company has not delivered EPS surprise, 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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 51% versus 51.5% estimated by two analysts on average.
Average Balance - Total interest-earning assets: $22.49 billion versus the two-analyst average estimate of $22.61 billion.
Net Interest Margin: 3.4% compared to the 3.4% average estimate based on two analysts.
Net Interest Income: $194.33 million compared to the $193.25 million average estimate based on three analysts.
Fees: $11.34 million versus $10.48 million estimated by three analysts on average.
Wealth management income: $7.35 million compared to the $7.26 million average estimate based on three analysts.
Total Non-Interest Income: $27.42 million versus the three-analyst average estimate of $26.16 million.
Bank-owned life insurance: $2.66 million versus $2.5 million estimated by three analysts on average.
Other income: $2.15 million versus $1.47 million estimated by three analysts on average.
Insurance agency income: $3.85 million compared to the $4.44 million average estimate based on three analysts.
Shares of Provident Financial have returned -1.9% over the past month versus the Zacks S&P 500 composite's +3.8% 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.
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Provident Financial (PFS) Reports Q3 Earnings: What Key Metrics Have to Say
For the quarter ended September 2025, Provident Financial (PFS - Free Report) reported revenue of $221.75 million, up 5.3% over the same period last year. EPS came in at $0.55, compared to $0.36 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $219.41 million, representing a surprise of +1.07%. The company has not delivered EPS surprise, 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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:View all Key Company Metrics for Provident Financial here>>>
Shares of Provident Financial have returned -1.9% over the past month versus the Zacks S&P 500 composite's +3.8% 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.