OakChart

Provident Financial Services Inc

PFSFinancial·Banks - Regional·USA·Mid·NYSE·Nov 11 • 1:06 PM ET

23.04-0.11 (-0.47%)
2026-11-11 19:07 CET
Market cap
3,019.20 USD m
Revenue, TTM
- USD m
Net income, TTM
310.15 USD m
Free cash flow, TTM
301.53 USD m
EPS diluted, TTM
2.38
P/E
9.69
Compare

Price

PFS against its 20, 50 and 200-day averages
2050200beatmiss
22.0024.001.4M2.8MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26PFSclose 23.0420-day 22.9650-day 22.83200-day 22.7423.0452w high

9.6% under the 52-week high of 25.49 on 4 Aug 2026. 52-week low 17.71 on 17 Nov 2025. Last 15 sessions, 7.2% high to low

Profile

PFS
52-week range, 69% of the way up
17.7025.49

Provident Financial Services, Inc. is a holding company, which engages in the provision of banking services to individual and corporate customers in Northern and Central New Jersey and Eastern Pennsylvania. The company was founded in 1839 and is headquartered in Jersey City, NJ.

IndexRUT
Employees1866
IPOJan 16, 2003
Beta0.81
ATR, 14d0.49
Rel volume0.37
Short float4.80%
Insider own5.81%
Inst own76.44%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap3.00B
Enterprise Value-
Income310.15M
Sales1.43B
Book/sh21.96
Cash/sh-
Dividend Est.0.96 (4.17%)
Dividend TTM0.96 (4.17%)
Dividend Ex-DateNov 13, 2026
Dividend Gr. 3/5Y0.00% 0.85%
Payout43.03%
Employees1866
IPOJan 16, 2003

Ratios

P/E9.69
Forward P/E8.94
PEG1.22
P/S2.11
P/B1.05
P/C-
P/FCF9.97
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.02
Debt/Eq1.01
LT Debt/Eq0.18
Option/ShortYes / Yes

Earnings

EPS (ttm)2.38
EPS next Y2.58
EPS next Q0.62
EPS this Y11.51%
EPS next Y3.62%
EPS next 5Y7.30%
EPS past 3/5Y-1.70% 9.89%
Sales past 3/5Y35.71% 25.93%
EPS Y/Y TTM20.97%
Sales Y/Y TTM4.47%
EPS Q/Q-3.48%
Sales Q/Q4.22%
EarningsOct 28 AMC
EPS/Sales Surpr.13.08% 1.33%

Ownership

Insider Own5.81%
Insider Trans-1.11%
Inst Own76.44%
Inst Trans1.11%
ROA1.22%
ROE11.01%
ROIC9.15%
Gross Margin-
Oper. Margin30.74%
Profit Margin21.74%
SMA200.34%
SMA500.92%
SMA2001.31%
Trades-

Technical

Shs Outstand130.42M
Shs Float122.84M
Short Float4.80%
Short Ratio7.01
Short Interest5.90M
52W High25.49 -9.61%
52W Low17.70 30.14%
Volatility2.60% 2.06%
ATR (14)0.49
RSI (14)51.50
Beta0.81
Rel Volume0.37
Avg Volume841.60K
Volume177,800

Performance

Perf Week-2.04%
Perf Month4.54%
Perf Quarter-7.87%
Perf Half Y5.89%
Perf YTD16.66%
Perf Year22.17%
Perf 3Y61.35%
Perf 5Y-9.72%
Perf 10Y-9.91%
Recom1.67
Target Price27.83
Prev Close23.15
Price23.04
Change %-0.47%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jul 31, 2026ReiteratedHHovde GroupOutperform$26.50 → $28.50+23.7%
Jun 08, 2026InitiatedSStephensEqual-Weight$24+4.2%
Mar 16, 2026ResumedPPiper SandlerOverweight$25+8.5%
Feb 25, 2026InitiatedDDA DavidsonNeutral$25+8.5%
Jul 25, 2025ReiteratedHHovde GroupOutperform$22.50 → $23.50+2.0%
Jun 26, 2025InitiatedRRaymond JamesStrong Buy$21-8.9%
Dec 13, 2024InitiatedHHovde GroupOutperform$25+8.5%
Aug 15, 2024UpgradeKKeefe BruyetteMkt Perform → Outperform$20 → $21-8.9%
Apr 22, 2024UpgradeDDA DavidsonNeutral → Buy$15 → $20-13.2%
Aug 22, 2023UpgradePPiper SandlerNeutral → Overweight$20-13.2%

Peers

Mkt cap
TickerCompanyMkt cap
OCFCOceanFirst Financial Corp1.78B
FULTFulton Financial Corp4.53B
VLYValley National Bancorp7.91B
CNOBConnectOne Bancorp Inc1.64B
WSFSWSFS Financial Corp4.02B
DCOMDime Commercial Bancshares Inc1.85B
CUBICustomers Bancorp Inc2.84B
FLGFlagstar Bank NA4.15B
NWBINorthwest Bancshares Inc2.23B
EBCEastern Bankshares Inc5.15B

Insider trading

latest 14 of 17
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Christy James A.EVP, CRO of Provident BankSep 14 '26Sale23.363,00070,08043,083Sep 15 05:33 PM
Christy James A.OfficerSep 04 '26Proposed Sale23.775,000118,850Sep 04 02:24 PM
SHARA THOMASDirectorSep 01 '26Sale23.0640,266928,534382,911Sep 01 06:12 PM
SHARA THOMASDirectorAug 31 '26Sale23.3015,900370,470423,177Sep 01 06:12 PM
SHARA THOMASDirectorAug 31 '26Proposed Sale23.3015,900370,411Sep 01 05:20 PM
Giannola VitoEVP & CRBO of provident BankAug 18 '26Sale24.3620,000487,20056,424Aug 19 10:45 AM
Giannola VitoOfficerAug 18 '26Proposed Sale24.3820,000487,600Aug 18 02:04 PM
Dunigan James PDirectorAug 04 '26Proposed Sale25.119,800246,078Aug 04 02:52 PM
Dunigan James PDirectorJun 29 '26Proposed Sale23.471,00023,470Jun 29 12:29 PM
LISTA GEORGEPres/CEO Prov Protection PlusJun 12 '26Sale23.413,52882,590105,734Jun 15 03:09 PM
LISTA GEORGEOfficerJun 12 '26Proposed Sale23.143,52881,638Jun 11 04:51 PM
LISTA GEORGEPres/CEO Prov Protection PlusMay 08 '26Sale22.402,55657,254109,262May 12 02:01 PM
LISTA GEORGEOfficerMay 07 '26Proposed Sale22.612,55657,791May 07 12:46 PM
MCCRACKEN ROBERT EDirectorFeb 26 '26Proposed Sale21.506,177132,806Feb 25 03:14 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B

News

latest 14 of 206
  • Tristan Harding Joins Beacon Trust as Managing Director, Head of Relationship Management and Growth (GlobeNewswire)
  • Provident Bank Announces $83,000 in Grants to Ten New Jersey Non-Profit Organizations (GlobeNewswire)
  • Provident Financial Services, Inc. Declares Quarterly Cash Dividend (GlobeNewswire)
  • Provident Financial Misses On GAAP EPS As Debt Charge Hides Record Core Revenue, But Rising Funding Costs And Slower Loan Growth Cloud The Outlook (Earnings Whispers)
  • Provident Financial: Q3 Earnings Snapshot (Associated Press)
  • Loading…
  • Provident Financial Services, Inc. Reports Third Quarter Earnings (GlobeNewswire)
  • Provident's Deposit Costs Face A Test As Shares Slide Despite Raised Growth Outlook (Earnings Whispers)
  • Provident Financial Services, Inc. Schedules Third Quarter Earnings Conference Call (GlobeNewswire)
  • Provident Bank Survey: 7 in 10 Americans Are Rethinking Higher Education, and Nearly 1 in 3 Are Eyeing the Alternatives (GlobeNewswire)
  • Provident Financial Services, Inc. Announces Pricing of Subordinated Notes Offering (GlobeNewswire)
  • Provident Financial Services, Inc. and Provident Bank Promote Diane Gigliotti to Senior Vice President, Chief Accounting Officer (GlobeNewswire)
  • Provident Financial Services, Inc. and Provident Bank Appoint Michael E. Regan to the Boards of Directors (GlobeNewswire)
  • Provident Financial Services Inc (PFS) (Q2 2026) Earnings Call Highlights: Record Revenues and ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-280.6920.6120.530238.45235.316
2026Q22026-07-290.6000.5650.599234.96225.576
2026Q12026-04-290.6570.5480.608225.2225.625
2025Q42026-01-270.6400.5550.639225.18224.084
2025Q32025-10-290.5500.5430.549221.68220.744
2025Q22025-07-240.5500.4960.552214.17213.586
2025Q12025-04-240.5040.4720.491208.67207.035
2024Q42025-01-280.4800.5000.373205.91210.66
2024Q32024-10-290.4800.4720.357210.55214.825
2024Q22024-07-250.1010.428-0.112166.75148.64
2024Q12024-04-180.4300.3980.426114.48114.55
2023Q42024-01-250.3600.4040.364114.76114.35
2023Q32023-10-260.3800.3820.381115.56135.075
2023Q22023-07-280.4300.4400.428118.49143.575
2023Q12023-04-270.5400.5880.543130.48131.835
2022Q42023-01-270.6600.6340.659132.33135.285

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.5201.5331.455333.9333.49
2018FY1.8201.7891.818359.35356.1
2019FY1.7701.7761.740361.77360.25
2020FY1.3901.2321.392385384.23
2021FY2.1902.1482.193452.83452.51
2022FY2.3502.2642.349505.34505.39
2023FY1.7101.8081.715479.28478.83
2024FY1.8351.8631.053694.73701.65
2025FY2.2302.1492.230869.61868.47
2026FY-2.487--924.45
2027FY-2.577--978.42
2028FY-2.755--1,033

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-30603236.79220.3244.31
2026Q4S2026-10-29602237.15224242.73
2026Q4S2026-10-28600238.31224243.5
2026Q4S2026-10-14600238.31224243.5
2026Q4S2026-10-13610238.31224243.5
2026Q4S2026-09-30620238.31224243.5
2026Q4S2026-09-21620238.53224243.5
2026Q4S2026-09-15620238.72225.1243.5
2026Q4S2026-07-31630238.72225.1243.5
2026Q4S2026-07-30620237.27223.9242.73
2026Q4S2026-07-14610235.17223.9240.82
2026Q4S2026-07-02613235.17223.9240.82
2026Q4S2026-06-30603234.62220.6240.82
2026Q4S2026-06-26603234.62220.6240.82

Estimate history

EPS, annual1.4551.8181.741.3922.1932.3491.7151.0532.2312.3767
Period201720182019202020212022202320242025TTM
EPS, quarterly0.3570.3730.4910.5520.5490.6390.6080.5990.53
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual379.963418.856435.381436.66488.735553.297695.5231139.7861382.7881426.66
Period201720182019202020212022202320242025TTM
Sales, quarterly349.212335.93332.463343.525353.671353.128346.544358.389368.598
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual66.53566.32565.78877.61176.9775.16975.251130.489130.62130.42
Period201720182019202020212022202320242025MRQ
Shares, quarterly130.449130.489130.663130.624130.622130.62130.312130.423130.42
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income1,304.771,272.771,046.14615.82466.18402.34363.31371.47359.83
Total Interest Expense502.93512.21445.52216.3748.6336.3250.7473.5059.15
Net Interest Income801.84760.57600.61399.45417.55366.02312.57297.97300.68
Loan Loss Provision11.243.5887.5627.908.39-24.3429.7213.1023.70
Net Interest Income After Loan Loss Provision790.60756.98513.05371.55409.16390.36282.85284.87276.98
Non-Interest Income121.89110.0193.6579.7087.1286.4073.3563.9159.03
Non-Interest Expense473.89458.84400.22267.65256.17249.64228.65201.70192.09
Operating Income438.59408.16206.48183.60240.11227.12127.55147.09143.92
Unusual Expense17.500.0056.877.830.000.000.000.000.00
Net Income Before Taxes421.09408.16149.62175.78240.11227.12127.55147.09143.92
Income Taxes110.94117.0034.0947.3864.4659.2030.6034.4525.53
Consolidated Net Income310.15291.16115.53128.40175.65167.9296.95112.63118.39
Net Income From Continuing Operations310.15291.16115.53128.40175.65167.9296.95112.63118.39
Net Income310.15291.16115.53128.40175.65167.9296.95112.63118.39
EPS (Recurring)2.472.231.421.792.352.191.391.741.82
EPS (Basic, Before Extraordinaries)2.382.231.051.722.352.201.391.741.82
EPS (Diluted)2.382.231.051.712.352.191.391.741.82
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense10.8310.5211.638.5310.868.9610.116.619.81
Price To Earnings Ratio9.749.7418.228.979.8011.0413.2514.1713.27
Price To Sales Ratio2.021.861.821.942.893.792.863.673.75
Operating Margin30.7429.5218.1226.4043.4046.4729.2133.7834.36
Net Margin21.7421.0610.1418.4631.7534.3622.2025.8728.26
Shares Outstanding130.42130.62130.4975.2575.1776.9777.6165.7966.33
Market Capitalization3,019.203,019.202,328.011,363.191,607.871,874.021,183.731,626.631,613.26

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income338.27326.60315.07324.84326.28316.31305.35311.95
Total Interest Expense130.26123.92121.32127.43131.95129.21123.62130.21
Net Interest Income208.01202.68193.74197.41194.33187.09181.73181.74
Loan Loss Provision5.249.33-2.12-1.217.04-2.890.648.88
Net Interest Income After Loan Loss Provision202.77193.35195.86198.62187.29189.98181.09172.86
Non-Interest Income30.3331.7931.4828.2927.3927.2227.1223.98
Non-Interest Expense122.98119.08117.17114.67113.06114.76116.35113.95
Operating Income110.11106.06110.17112.25101.61102.4491.8582.89
Unusual Expense17.500.000.000.000.000.000.0020.18
Net Income Before Taxes92.61106.06110.17112.25101.61102.4491.8562.71
Income Taxes23.4527.9130.7528.8129.8930.4627.8214.19
Consolidated Net Income69.1678.1579.4283.4371.7271.9864.0348.52
Net Income From Continuing Operations69.1678.1579.4283.4371.7271.9864.0348.52
Net Income69.1678.1579.4283.4371.7271.9864.0348.52
EPS (Recurring)0.620.600.610.640.550.550.490.48
EPS (Basic, Before Extraordinaries)0.530.600.610.640.550.550.490.37
EPS (Diluted)0.530.600.610.640.550.550.490.37
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.141.882.164.652.060.971.715.01
Price To Earnings Ratio9.7410.079.4810.0510.8815.8016.4418.22
Price To Sales Ratio2.022.181.981.871.841.681.742.15
Operating Margin29.8729.5931.7931.7928.7329.8227.6324.68
Net Margin18.7621.8122.9223.6320.2820.9519.2614.44
Shares Outstanding130.42130.42130.31130.62130.62130.62130.66130.49
Market Capitalization3,019.203,080.622,618.552,442.642,384.592,169.462,119.212,328.01

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks211.48205.91180.24186.49506.27404.36131.5686.19139.56
Investments3,702.413,570.222,238.862,412.382,802.311,852.661,583.171,684.051,655.14
Net Loans19,319.2918,465.9410,766.5010,160.869,500.889,721.427,277.367,195.037,265.52
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets2.029.4711.652.128.734.472.711.566.86
Net Property, Plant & Equipment171.27181.88127.91140.37129.37117.0996.9658.1263.19
Interest Receivables95.8091.1658.9751.9041.9946.4529.0331.4829.65
Deferred Tax Assets208.33276.08114.65126.7355.5851.7435.6440.0340.14
Other Intangible Assets1,313.001,303.61755.11747.08768.73743.181,089.551,054.51679.42
Total Assets25,023.6124,104.2814,253.8913,827.9313,813.8312,941.389,825.419,739.389,879.48
Total Deposits19,318.9418,666.0610,329.3510,598.7311,268.459,872.137,129.416,855.696,740.10
Total Debt2,579.662,487.272,040.771,411.23687.291,243.151,167.961,442.281,742.51
Long Term Debt1,007.211,092.61895.52529.37244.27356.57311.74436.41772.96
Provision for Risks Charges6.807.4016.4317.1223.2023.8023.3020.0024.94
Deferred Tax Liabilities42.9052.4543.0844.5032.6221.6416.8413.6134.20
Other Liabilities242.10289.89133.67158.64105.16160.8774.0648.8239.06
Total Liabilities22,190.4021,503.0712,563.2912,230.2312,116.7311,321.588,411.578,380.408,580.82
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity2,833.212,601.211,690.601,597.701,697.101,619.801,413.841,358.981,298.66
Total Shareholders Equity2,833.212,601.211,690.601,597.701,697.101,619.801,413.841,358.981,298.66
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity2,833.212,601.211,690.601,597.701,697.101,619.801,413.841,358.981,298.66
Total Liabilities & Stockholders Equity25,023.6124,104.2814,253.8913,827.9313,813.8312,941.389,825.419,739.389,879.48
Book Value Per Share21.6919.9322.4721.2522.0520.8721.4920.4919.52
Tangible Book Value Per Share15.7113.6616.3915.1316.0314.878.467.9913.21
Tier 1 Capital2,172.181,984.051,396.511,326.681,252.921,157.51973.21953.77887.92
Tier 2 Capital629.31630.57100.0377.7971.11148.9955.6655.7160.20
Full-Time Employees1,8661,8011,1421,1531,1591,1781,0151,0441,054
Price to Book Ratio1.050.940.841.041.100.861.151.181.38
Return on Assets1.190.600.911.271.260.851.151.210.97
Return on Equity10.725.387.8110.6610.136.398.128.917.37
Return on Invested Capital7.583.134.968.268.654.916.536.594.54
Current Ratio0.020.020.030.030.080.070.040.030.04

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations426.83512.47390.81180.86207.74189.72143.65154.42146.12
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-98.20-70.2135.58-10.98-5.66-33.39-38.46-18.488.25
Cash from Operating Activities328.62442.26426.38169.87202.08156.33105.20135.94154.38
Capital Expenditures-27.10-11.54-1.31-7.49-9.41-13.80-12.82-4.88-3.16
Net Assets From Acquisitions0.000.000.000.000.000.000.00-15.020.00
Sale of Fixed Assets and Businesses2.772.35194.550.100.020.0479.040.000.03
Purchase or Sale of Investments-218.75-223.13532.33179.5351.31-985.33128.20129.18-42.53
Purchase of Investments-849.77-802.35-422.36-57.19-317.47-1,435.58-298.09-137.32-280.96
Sale Or Maturity of Investments631.02579.21954.69236.72368.77450.25426.29266.50238.44
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources5.170.918.993.870.977.966.531.891.95
Cash from Investing Activities-1,122.21-1,052.33507.67-466.08-649.34-716.08-506.2743.8648.05
Cash Dividends Paid-124.36-125.91-100.96-72.45-72.02-71.48-65.82-72.81-53.60
Change in Capital Stock-8.740.000.000.79-46.53-19.82-20.71-17.50-10.46
Repurchase of Common Pref Stock-10.260.000.000.00-46.53-20.71-21.16-19.87-13.17
Sale of Common Pref Stock1.510.000.000.790.000.890.452.372.72
Proceedsfrom Stock Options0.000.000.000.000.000.000.452.231.71
Issuance or Reduction of Debt, Net181.4891.52-514.35632.66710.60-564.20-150.76-317.14-300.23
Change in Long Term Debt-562.66-202.36-754.13476.36729.54-540.75143.28-306.55-109.38
Issuance of Long Term Debt-352.47150.00635.90534.813,982.10913.682,430.001,243.00695.00
Reduction of Long Term Debt-210.19-352.36-1,390.03-58.44-3,252.56-1,454.44-2,286.72-1,549.55-804.38
Net Financing Active Other Cash Flow-2.74-2.87-1.32-1.68-1.02-0.96-0.97-1.99-1.90
Other Financing Activities Uses-2.74-2.87-1.32-1.68-1.02-0.96-0.97-1.99-1.90
Cash from Financing Activities757.97615.62-908.37289.95-78.70739.86746.68-135.71-250.60
Net Change in Cash-35.615.5425.68-6.25-525.96180.11345.6144.09-48.17
Free Cash Flow301.53430.73425.07162.38192.67142.5292.37131.05151.21
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow16.318.466.3915.0113.2426.1047.1027.4016.09
Federal Home Loan Advances Increase (Decrease)--2.92-32.90-10.66-34.2625.209.0311.5212.37

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks266.00228.29222.08211.48301.61258.93
Investments3,855.373,824.663,772.903,702.413,699.223,605.91
Net Loans19,980.6019,861.1019,470.7119,319.2919,099.1018,916.96
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment171.68171.54168.04171.27168.07173.47
Interest Receivables102.0998.1297.7395.8094.6592.71
Deferred Tax Assets---208.33--
Other Intangible Assets1,470.751,478.691,468.221,313.001,468.101,498.34
Total Assets25,847.4625,663.3625,201.6925,023.6124,832.7624,547.29
Total Deposits19,852.6619,592.9519,148.6119,318.9419,142.5018,758.81
Total Debt2,879.642,879.422,951.822,579.662,672.502,839.44
Long Term Debt526.74904.421,010.891,007.211,066.921,597.97
Provision for Risks Charges7.209.109.406.8010.007.50
Deferred Tax Liabilities---42.90--
Other Liabilities336.46274.91228.99242.10240.73233.97
Total Liabilities23,075.9622,756.3722,338.8222,190.4022,065.7321,839.73
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity2,864.492,906.992,862.872,833.212,767.032,707.55
Total Shareholders Equity2,864.492,906.992,862.872,833.212,767.032,707.55
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity2,864.492,906.992,862.872,833.212,767.032,707.55
Total Liabilities & Stockholders Equity25,847.4625,663.3625,201.6925,023.6124,832.7624,547.29
Book Value Per Share21.9622.2921.9721.6921.1820.73
Tangible Book Value Per Share16.1616.4216.0315.7115.1314.60
Tier 1 Capital2,662.192,274.022,218.242,172.182,114.172,064.85
Tier 2 Capital-341.55631.50-629.31197.00633.03
Full-Time Employees---1,866--
Price to Book Ratio1.051.080.980.930.930.86
Return on Assets1.221.251.241.191.050.95
Return on Equity11.0111.1411.1010.729.518.78
Return on Invested Capital2.042.052.052.171.871.67
Current Ratio0.020.020.020.020.030.02

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations115.52102.91100.15108.2592.14230.34
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-59.3415.94-15.50-39.305.90-43.58
Cash from Operating Activities56.18118.8484.6568.9598.03186.77
Capital Expenditures-8.30-10.23-3.69-4.87-1.33-4.21
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.062.710.000.000.00
Purchase or Sale of Investments-103.83-50.89-74.7710.74-66.89-115.18
Purchase of Investments-236.07-256.32-191.29-166.09-195.32-222.52
Sale Or Maturity of Investments132.24205.43116.52176.82128.43107.34
Other Uses0.000.000.000.000.000.00
Other Sources1.193.980.000.000.000.00
Cash from Investing Activities-232.27-450.73-232.39-206.82-242.31-426.73
Cash Dividends Paid-31.30-30.36-31.37-31.34-31.35-31.35
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.11-8.860.000.000.00
Repurchase of Common Pref Stock0.000.00-10.260.000.000.00
Sale of Common Pref Stock0.000.111.400.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-16.74-75.45371.02-97.36-165.3538.47
Change in Long Term Debt-105.42-100.0047.21-404.4625.30431.40
Issuance of Long Term Debt2.030.0050.00-404.5050.00504.50
Reduction of Long Term Debt-107.44-100.00-2.790.04-24.70-73.10
Net Financing Active Other Cash Flow-0.05-0.55-2.14-0.01-0.03-0.99
Other Financing Activities Uses-0.05-0.55-2.14-0.01-0.03-0.99
Cash from Financing Activities213.80338.10158.3447.74186.96264.82
Net Change in Cash37.716.2110.60-90.1342.6924.85
Free Cash Flow47.88108.6180.9664.0896.71182.56
Price to Free Cash Flow16.3113.649.248.465.245.07

Revenue breakdown

Debit Card2024: 4.65M 2025: 5.01M
Deposit Account2024: 16.90M 2025: 20.55M
Insurance Commissions And Fees2024: 16.20M 2025: 18.30M
Wealth Management Fees2024: 30.53M 2025: 29.25M
United States2024: 68.29M 2025: 73.11M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.80%5.9M122.8M837.82K
2026-10-154.95%6.1M122.8M904.97K
2026-09-304.79%5.9M122.8M898.60K
2026-09-155.01%6.1M122.8M969.85K
2026-08-314.41%5.4M122.8M984.39K
2026-08-144.80%5.9M122.7M1.01M
2026-07-314.86%6.0M122.6M1.04M
2026-07-154.86%6.0M122.6M1.00M
2026-06-305.44%6.7M122.6M1.01M
2026-06-155.03%5.8M115.7M952.60K
2026-05-295.36%6.2M115.8M989.63K
2026-05-155.06%5.9M115.8M963.63K
2026-04-305.02%5.8M115.9M947.94K
2026-04-154.22%4.9M116.2M977.25K
2026-03-314.29%5.0M116.6M957.24K
2026-03-133.95%4.6M116.6M904.53K
2026-02-273.71%4.3M116.6M873.91K
2026-02-133.89%4.5M116.5M917.85K
2026-01-303.45%4.0M116.5M895.78K
2026-01-153.07%3.6M116.5M798.90K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call12.509.6010.9010.553.0347.005.000.886-0.1770.007
call15.005.6010.508.054.8942.001.000.851-0.1650.008
call17.504.606.105.551.8940.001.000.805-0.1480.010
call20.000.805.500.002.8470.000.000.733-0.1250.012
call22.500.004.100.002.7090.000.000.606-0.2140.014
call25.000.001.000.051.2085.000.000.385-0.1010.014
call30.000.003.500.002.0760.000.000.258-0.1350.012
call35.000.003.500.002.6910.000.000.217-0.1590.011
put12.500.003.500.004.6030.000.00-0.113-0.1780.007
put15.000.003.500.003.5790.000.00-0.148-0.1660.008
put17.500.003.500.002.6960.000.00-0.194-0.1490.010
put20.000.001.300.001.8950.000.00-0.266-0.1250.012
put22.500.003.700.102.81213.000.00-0.392-0.2140.014
put25.000.004.900.002.5790.000.00-0.615-0.1010.014
put30.004.709.500.003.2540.000.00-0.741-0.1340.012
put35.009.7014.500.003.9440.000.00-0.782-0.1580.011

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-02S-3ASRAutomatic shelf registration statement of securities of well-known seasoned issuersSEC
2026-10-308-KCurrent report2026-10-29SEC
2026-10-298-KCurrent report2026-10-28SEC
2026-10-298-KCurrent report2026-10-28SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-04144Filing for proposed sale of securities under Rule 144.SEC
2026-09-014Statement of changes in beneficial ownership of securities2026-08-31SEC
2026-09-01144Filing for proposed sale of securities under Rule 144.SEC
2026-08-248-KCurrent report2026-08-20SEC
2026-08-24424B5SEC
2026-08-20FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-08-20FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-08-20424B5SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-18SEC
2026-08-18144Filing for proposed sale of securities under Rule 144.SEC
2026-08-148-KCurrent report2026-08-14SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-07SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-053Initial statement of beneficial ownership of securities2026-07-30SEC
2026-08-053Initial statement of beneficial ownership of securities2026-07-30SEC
2026-08-04144Filing for proposed sale of securities under Rule 144.SEC
2026-08-048-KCurrent report2026-07-30SEC
2026-07-308-KCurrent report2026-07-30SEC
2026-07-308-KCurrent report2026-07-29SEC
2026-07-308-KCurrent report2026-07-29SEC
2026-06-29144Filing for proposed sale of securities under Rule 144.SEC
2026-06-2911-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-238-KCurrent report2026-06-18SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-12SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-0900998.61K2
2026-0800857.67K2
2026-070000
2026-060082.59K1
2026-050057.25K1
2026-040000
2026-030000
2026-020024.62K1
2026-010000
2025-120000
2025-1100151.61K1

Institutional holders

Manager% owned
BlackRock, Inc.14.77%
VANGUARD PORTFOLIO MANAGEMENT LLC6.32%
DIMENSIONAL FUND ADVISORS LP6.31%
STATE STREET CORP6.17%
VANGUARD CAPITAL MANAGEMENT LLC4.33%
AMERICAN CENTURY COMPANIES INC3.29%
GEODE CAPITAL MANAGEMENT, LLC2.68%
WELLINGTON MANAGEMENT GROUP LLP2.38%
MILLENNIUM MANAGEMENT LLC1.76%
Assenagon Asset Management S.A.1.53%

Funds

Fund% owned
iShares Core S&P Small-Cap ETF5.89%
Strategic Income Opportunities Fund3.25%
Angel Oak Financial Strategies Income Term Trust3.16%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
Avantis U.S. Small Cap Value ETF2.89%
iShares Russell 2000 ETF2.45%
VANGUARD SMALL-CAP INDEX FUND2.18%
U.S. SMALL CAP VALUE PORTFOLIO1.50%
VANGUARD SMALL-CAP VALUE INDEX FUND1.38%
VANGUARD EXTENDED MARKET INDEX FUND1.14%

OakChart. PFS. Cached 15 minutes.