Provident Financial Services, Inc. PFS NYSE

Provident Financial Services, Inc. (PFS) generated $442.26M in operating cash flow for fiscal year 2025. After capital expenditures of $11.54M, free cash flow was $430.73M.

Free cash flow margin was 31.2% of revenue. Cash conversion ratio was 1.52x, indicating earnings are backed by cash.

The company returned $125.91M in dividends to shareholders during the period.

Criteria supported by this page:

• HEALTH (25/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (59/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (85/100) — Cash conversion ratio was 1.52x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 73/100 with 5/7 criteria passed.