📈 Operating Income History (16 Quarters)
🧮 PFS Operating Income Breakdown
Understanding Operating Income
Operating Income, also known as EBIT (Earnings Before Interest and Taxes), measures a company's profit from its core business operations before financing costs and taxes. For PFS, the trailing twelve month operating income is $430.1M.
Why Operating Income Matters
Operating income isolates business performance from capital structure decisions (debt vs equity financing) and tax strategies. This makes it ideal for comparing companies with different debt levels or tax situations. It shows how efficiently management runs the core operations.
PFS's operating income growth rate of 28.60% (based on log-linear regression of 16 quarters) indicates exceptional operational growth with improving efficiency.
Operating Income vs Other Profitability Metrics
Net Income: $312.7M →
The bottom line after interest and taxes. Net income shows the final profit, while operating income excludes financing decisions.
Free Cash Flow: $424.3M →
Actual cash generated after capital expenditures. FCF can differ significantly from operating income due to working capital and capex.
Owner Earnings: $424.3M →
Buffett's measure of true cash generation. Adds back depreciation and subtracts only maintenance capex.
Revenue: $1.3B →
The top line that operating income is derived from. Operating margin shows what percentage becomes operational profit.
Operating Margin Analysis
PFS's operating margin of 33.27% shows what percentage of revenue converts to operating profit after all operating expenses. Operating margins above 25% are excellent and indicate strong pricing power or operational efficiency.
EV/Operating Income Valuation
The EV/Operating Income ratio of 7.4x shows how the market values PFS's operational earnings. Ratios below 8x often indicate undervaluation or market concerns about future growth.
Summary: PFS Operating Income Trend
PROVIDENT FINANCIAL SERVICES INC (PFS) has an operating margin of 33.27%, which Zyberno classifies as excellent for a Financials company — above the 30% threshold Zyberno applies to financial businesses where the spread between revenue and operating costs reflects efficiency, signaling significant pricing power and operational efficiency. Operating income grew at 28.60% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses. For complete financial analysis, view the full PFS stock report on Zyberno.
Frequently Asked Questions
What is PFS's current operating income?
PROVIDENT FINANCIAL SERVICES INC's TTM operating income is $430.1M, growing at 28.60% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.
Is PFS's operating income growing?
PROVIDENT FINANCIAL SERVICES INC (PFS) has an operating margin of 33.27%, which Zyberno classifies as excellent for a Financials company — above the 30% threshold Zyberno applies to financial businesses where the spread between revenue and operating costs reflects efficiency, signaling significant pricing power and operational efficiency. Operating income grew at 28.60% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.
What is PFS's operating margin?
PROVIDENT FINANCIAL SERVICES INC (PFS) has an operating margin of 33.27%, which Zyberno classifies as excellent for a Financials company — above the 30% threshold Zyberno applies to financial businesses where the spread between revenue and operating costs reflects efficiency, signaling significant pricing power and operational efficiency. Operating income grew at 28.60% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.
What is the difference between operating income and EBIT?
Operating income and EBIT (Earnings Before Interest and Taxes) are generally the same metric - both measure profit from core operations before financing costs and taxes. PFS's EBIT/Operating Income is $430.1M.
How does operating income differ from net income?
Operating income excludes interest expense and income taxes, while net income includes them. PFS's operating income is $430.1M versus net income of $312.7M. The difference reflects financing costs and tax burden.
📊 Full PFS Stock Report →
See PFS's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.
💵 PFS Free Cash Flow →
Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.
💰 PFS Owner Earnings →
Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.
📈 PFS Earnings Per Share →
Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.
🎯 PFS Earnings Surprise (SUE) →
See whether PFS is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.
📊 PFS Revenue →
Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.
💰 PFS Net Income →
Analyze the bottom-line profit, P/E ratio, and net profit margin trends.
🔶 PFS Operating Income →
Analyze EBIT, operating margin, and core business profitability before interest and taxes.
💜 PFS Gross Profit →
Analyze gross margin, pricing power, and profitability before operating expenses.