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Provident Financial (PFS) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
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Provident Financial (PFS - Free Report) reported $234.65 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 9.6%. EPS of $0.60 for the same period compares to $0.55 a year ago.
The reported revenue represents a surprise of +2.64% over the Zacks Consensus Estimate of $228.63 million. With the consensus EPS estimate being $0.56, the EPS surprise was +7.14%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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: 49.8% versus 51.4% estimated by two analysts on average.
Net Interest Margin: 3.5% versus 3.4% estimated by two analysts on average.
Average Balance - Total interest-earning assets: $23.33 billion compared to the $23.51 billion average estimate based on two analysts.
Annualized net loan charge-offs to average total loans: 0% compared to the 0.1% average estimate based on two analysts.
Fees: $12.26 million compared to the $10.69 million average estimate based on three analysts.
Other income: $2.32 million versus $1.67 million estimated by three analysts on average.
Bank-owned life insurance: $3.8 million versus the three-analyst average estimate of $2.7 million.
Wealth management income: $7.52 million versus the three-analyst average estimate of $7.6 million.
Total Non-Interest Income: $31.97 million versus $28.4 million estimated by three analysts on average.
Insurance agency income: $5.45 million versus $5.75 million estimated by three analysts on average.
Net Interest Income: $202.68 million versus the three-analyst average estimate of $200.23 million.
Shares of Provident Financial have returned +2.2% over the past month versus the Zacks S&P 500 composite's +1.9% 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.
View the Zacks #1 Rank List
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Provident Financial (PFS) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Provident Financial (PFS - Free Report) reported $234.65 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 9.6%. EPS of $0.60 for the same period compares to $0.55 a year ago.
The reported revenue represents a surprise of +2.64% over the Zacks Consensus Estimate of $228.63 million. With the consensus EPS estimate being $0.56, the EPS surprise was +7.14%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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 +2.2% over the past month versus the Zacks S&P 500 composite's +1.9% 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.