Provident Financial (PFS) Reports Q3 Earnings: What Key Metrics Have to Say

Core Insights - Provident Financial reported revenue of $221.75 million for the quarter ended September 2025, reflecting a year-over-year increase of 5.3% [1] - Earnings per share (EPS) for the quarter was $0.55, up from $0.36 in the same quarter last year, aligning with the consensus estimate [1] - The reported revenue exceeded the Zacks Consensus Estimate of $219.41 million by 1.07% [1] Financial Performance Metrics - Efficiency Ratio stood at 51%, slightly better than the estimated 51.5% [4] - Average balance of total interest-earning assets was $22.49 billion, compared to the estimated $22.61 billion [4] - Net Interest Margin was reported at 3.4%, matching the average estimate [4] - Net Interest Income reached $194.33 million, surpassing the average estimate of $193.25 million [4] - Total Non-Interest Income was $27.42 million, exceeding the average estimate of $26.16 million [4] - Wealth management income was $7.35 million, slightly above the estimated $7.26 million [4] - Fees generated were $11.34 million, higher than the estimated $10.48 million [4] - Bank-owned life insurance income was $2.66 million, compared to the estimated $2.5 million [4] - Other income was reported at $2.15 million, exceeding the estimate of $1.47 million [4] - Insurance agency income was $3.85 million, below the average estimate of $4.44 million [4] Stock Performance - Shares of Provident Financial have returned -1.9% over the past month, contrasting with the Zacks S&P 500 composite's +3.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]