Provident Financial (PFS) Earnings Expected to Grow: Should You Buy?

Core Viewpoint - The market anticipates Provident Financial (PFS) to report a year-over-year increase in earnings driven by higher revenues for the quarter ending June 2025, with actual results being crucial for stock price movement [1][2]. Earnings Expectations - The earnings report is expected on July 24, with a consensus EPS estimate of $0.50, reflecting a significant year-over-year increase of +733.3%. Revenues are projected to be $212.75 million, up 29.9% from the previous year [3]. - The consensus EPS estimate has been revised 1.28% higher in the last 30 days, indicating a positive reassessment by analysts [4]. Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that the Most Accurate Estimate for Provident Financial is higher than the Zacks Consensus Estimate, resulting in an Earnings ESP of +3.03%. However, the stock holds a Zacks Rank of 4, complicating predictions of an earnings beat [12]. - A positive Earnings ESP is generally a strong predictor of an earnings beat, especially when combined with a favorable Zacks Rank [10]. Historical Performance - In the last reported quarter, Provident Financial was expected to post earnings of $0.47 per share but exceeded expectations with earnings of $0.50, resulting in a surprise of +6.38%. However, the company has only beaten consensus EPS estimates once in the last four quarters [13][14]. Conclusion - While the company is not positioned as a compelling earnings-beat candidate, it is essential for investors to consider various factors beyond earnings expectations when making investment decisions [17].