Provident Financial Q4 net income $48.5M, $0.37 EPS; asset quality improves, deposits grow

PROVIDENT FINANCIAL SERVICES INC

2024-FY EPS reported $1.05 revenue$68,288,000

Q4 net income $48.5M ($0.37 EPS) vs $46.4M ($0.36) prior Q and $27.3M ($0.36) a year ago.
Full year net income $115.5M ($1.05 EPS) vs $128.4M ($1.71 EPS) in 2023; merger costs $56.9M.
NIM 3.28%, down 3 bps from prior Q; core NIM excl purchase accounting up 4 bps to 2.85%.
NPLs/total loans 0.39% vs 0.47% prior Q; total deposits rose $247.6M to $18.62B.
Declared $0.24 quarterly dividend payable Feb 28, 2025; Annual Meeting virtual April 24, 2025.

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