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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Provident Financial Services's retained earnings for the quarter that ended in Mar. 2026 was €1,040.1 Mil.
Provident Financial Services's quarterly retained earnings
increased
from Sep. 2025 (€939.1 Mil) to Dec. 2025 (€985.8 Mil) and
increased
from Dec. 2025 (€985.8 Mil) to Mar. 2026 (€1,040.1 Mil).
Provident Financial Services's annual retained earnings
increased
from Dec. 2023 (€893.7 Mil) to Dec. 2024 (€944.6 Mil) and
increased
from Dec. 2024 (€944.6 Mil) to Dec. 2025 (€985.8 Mil).
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Provident Financial Services Retained Earnings Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of €1,040.1 Mil mean?
Provident Financial Services (FRA:PQ3) has a Retained Earnings of €1,040.1 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Provident Financial Services and its competitors.
Is Provident Financial Services' Retained Earnings too high?
Provident Financial Services' current Retained Earnings is €1,040.1 Mil. Overall, Provident Financial Services has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Services' Retained Earnings compare to SBCF and FBK?
Provident Financial Services' Retained Earnings of €1,040.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Provident Financial Services and its competitors. Provident Financial Services's current Retained Earnings is €1,040.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Provident Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Provident Financial Services (FRA:PQ3) is currently considered Significantly Overvalued. The stock's GF Value™ is €15.76, compared to a current price of €21.20 — trading 34.5% above its estimated fair value. The current Retained Earnings is €1,040.1 Mil. Provident Financial Services' overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current Retained Earnings is €1,040.1 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Provident Financial Services (FRA:PQ3) Overvalued in 2026?
Based on GuruFocus' analysis, Provident Financial Services stock appears to be overvalued.
The current stock price of €21.20 is trading 34.5% above its estimated GF Value™ of €15.76.
GuruFocus considers Provident Financial Services to be Significantly Overvalued.
Key valuation signals for FRA:PQ3:
Retained Earnings: €1,040.1 Mil
GF Value™: €15.76 vs. price of €21.20 (34.5% above fair value)
No single metric tells the full story. See the FRA:PQ3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Provident Financial Services Inc is the holding company for The Provident Bank, a community-oriented bank. The company's operations are solely in the financial services industry and include providing traditional banking and other financial services to its customers. The company operates in the geographical regions of northern and central New Jersey, Queens and Nassau Counties in New York and eastern Pennsylvania. The company has a single reporting segment for financial reporting purposes. The majority of the revenue-generating activities that are components of non-interest income. These revenue streams can generally be classified into three broad categories: wealth management revenue, insurance agency income, and banking service charges and other fees.
58GF Score
Get the complete analysis for FRA:PQ3
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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