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]

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]

Core Viewpoint - Provident Financial (PFS) has been upgraded to a Zacks Rank 1 (Strong Buy), indicating a positive outlook on its earnings estimates, which significantly influence stock prices [1][3]. Earnings Estimates and Stock Price Impact - The Zacks rating system is based on the consensus measure of EPS estimates from sell-side analysts, reflecting the company's changing earnings picture [1][2]. - Changes in earnings estimates are strongly correlated with near-term stock price movements, as institutional investors adjust their valuations based on these estimates [4][5]. - For Provident Financial, rising earnings estimates and the rating upgrade suggest an improvement in the company's underlying business, likely leading to higher stock prices [5][10]. Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [7]. - The system maintains a balanced distribution of ratings, ensuring that only the top 5% of stocks receive a "Strong Buy" rating, indicating superior earnings estimate revisions [9][10]. Recent Earnings Estimate Revisions - For the fiscal year ending December 2025, Provident Financial is expected to earn $2.15 per share, unchanged from the previous year, but the Zacks Consensus Estimate has increased by 4.7% over the past three months [8].

Core Viewpoint - Provident Financial reported quarterly earnings of $0.24 per share, missing the Zacks Consensus Estimate of $0.29 per share, representing a year-over-year decline from $0.28 per share [1][2] Financial Performance - The company posted revenues of $9.76 million for the quarter ended June 2025, missing the Zacks Consensus Estimate by 6.14%, and down from $9.92 million a year ago [2] - Over the last four quarters, Provident Financial has surpassed consensus EPS estimates two times and topped revenue estimates only once [2] Stock Performance - Provident Financial shares have declined approximately 2.6% since the beginning of the year, contrasting with the S&P 500's gain of 8.6% [3] - The current Zacks Rank for the stock is 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.30 on revenues of $10.6 million, and for the current fiscal year, it is $1.15 on revenues of $43 million [7] - The estimate revisions trend for Provident Financial was mixed ahead of the earnings release, which could change following the recent report [6] Industry Context - The Financial - Savings and Loan industry is currently in the bottom 30% of the Zacks industry rankings, suggesting potential challenges for stocks in this sector [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which could impact investor sentiment [5]

Core Viewpoint - Provident Financial reported quarterly earnings of $0.28 per share, exceeding the Zacks Consensus Estimate of $0.24 per share, and showing an increase from $0.22 per share a year ago, indicating a 16.67% earnings surprise [1][2] Financial Performance - The company posted revenues of $10.12 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 2.42%, compared to $9.41 million in the same quarter last year [2] - Over the last four quarters, Provident Financial has exceeded consensus EPS estimates three times and topped revenue estimates twice [2] Stock Performance - Provident Financial shares have declined approximately 7.9% since the beginning of the year, while the S&P 500 has decreased by 6.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.29 on revenues of $10.23 million, and for the current fiscal year, it is $0.90 on revenues of $39.04 million [7] - The outlook for the Financial - Savings and Loan industry is positive, ranking in the top 28% of over 250 Zacks industries, suggesting potential for outperformance [8]

Core Viewpoint - Provident Financial's stock price experienced a significant increase of 6.1% to $15.90, following a recent announcement regarding tariff pauses, which improved investor sentiment in the financial sector [1][2]. Company Summary - Provident Financial is projected to report quarterly earnings of $0.47 per share, reflecting a year-over-year increase of 9.3%. Expected revenues are $209.45 million, marking an 83% rise from the same quarter last year [3]. - The consensus EPS estimate for Provident Financial has remained stable over the past 30 days, indicating that stock price movements may not sustain without changes in earnings estimate revisions [4]. Industry Context - Provident Financial operates within the Zacks Financial - Savings and Loan industry, where Brookline Bancorp also resides. Brookline's stock closed 5.4% higher at $10.15, but has seen a decline of 10.6% over the past month [4]. - Brookline's consensus EPS estimate for the upcoming report is $0.23, which represents a year-over-year change of 43.8%, with its Zacks Rank also at 3 (Hold) [5].