Here's What Key Metrics Tell Us About Provident Financial (PFS) Q4 Earnings

Core Insights - Provident Financial (PFS) reported revenue of $225.72 million for the quarter ended December 2025, marking a year-over-year increase of 9.6% and exceeding the Zacks Consensus Estimate by 0.84% [1] - The earnings per share (EPS) for the same period was $0.64, compared to $0.37 a year ago, resulting in an EPS surprise of 14.29% over the consensus estimate of $0.56 [1] Financial Performance Metrics - The efficiency ratio was reported at 51%, slightly above the average estimate of 50.7% based on two analysts [4] - The net interest margin stood at 3.4%, matching the average estimate from two analysts [4] - The average balance of total interest-earning assets was $22.8 billion, slightly below the average estimate of $22.89 billion [4] - Total non-interest income was reported at $28.31 million, exceeding the average estimate of $26.97 million from three analysts [4] - Net interest income was $197.41 million, compared to the average estimate of $197.04 million based on three analysts [4] Stock Performance - Shares of Provident Financial have returned +1.7% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]