Provident Financial (PFS Quick QuotePFS - Free Report) reported $238.53 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 7.6%. EPS of $0.53 for the same period compares to $0.55 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $238.23 million, representing a surprise of +0.13%. The company delivered an EPS surprise of -11.67%, with the consensus EPS estimate being $0.60.

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:

• Core Efficiency Ratio: 49.9% compared to the 49.7% average estimate based on four analysts.
• Net Interest Margin: 3.5% compared to the 3.5% average estimate based on four analysts.
• Annualized net loan charge-offs to average total loans: 0.1% versus the four-analyst average estimate of 0.1%.
• Average Balance - Total interest-earning assets: $23.68 billion versus $23.99 billion estimated by three analysts on average.
• Net Interest Income: $208.01 million compared to the $204.55 million average estimate based on four analysts.
• Total Non-Interest Income: $30.53 million versus the four-analyst average estimate of $29.15 million.
• Bank-owned life insurance: $6.48 million versus $2.35 million estimated by two analysts on average.
• Wealth management income: $7.83 million versus $7.86 million estimated by two analysts on average.
• Insurance agency income: $4.74 million compared to the $4.24 million average estimate based on two analysts.
• Other income: $0.66 million versus $2.13 million estimated by two analysts on average.
• Fees: $10.29 million versus the two-analyst average estimate of $11.95 million.

View all Key Company Metrics for Provident Financial here>>>

Shares of Provident Financial have returned +4.6% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.