Provident Financial Q4 net income $83.4M ($0.64/sh); full-year net income $291.2M

PROVIDENT FINANCIAL SERVICES INC

2025-FY EPS reported $2.23 revenue$73,109,000

Q4 net income $83.4M ($0.64/sh) vs $71.7M ($0.55) in Q3 and $48.5M ($0.37) in Q4 2024.
Full year 2025 net income $291.2M ($2.23/sh) vs $115.5M ($1.05) in 2024 (includes merger costs in 2024).
Record revenue of $225.7M, driven by net interest income $197.4M and non-interest income $28.3M.
Net interest margin improved to 3.44% (up 1 bp QoQ, 16 bps YoY); core NIM 3.01%.
Non-performing loans ratio improved to 0.40% from 0.52% QoQ; tangible book value $15.70.

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