Provident Financial Services Inc (PFS) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, PFS scores 68 out of 100 with a letter grade of C+, labeled "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 12/20 (ROIC 10.3%; FCF yield 14.25%), Whale 13F Flow at 13/20 (institutional accumulation and options positioning), Insider Conviction at 16/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 14/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5). The strongest pillar is insider conviction, which is the only pillar above 80% of its maximum. The weakest relative pillar is the Fundamental Cash Engine, where the reported FCF yield is high but the pillar score is held down by the reported ROIC level. For a prospective investor, the rating points to a neutral near-term posture with an identified breakout watch rather than a clear conviction setup. The FCF yield figure is an upside driver if it persists, but it sits alongside a reported net margin figure and revenue figures that are not directly comparable across periods in the source data, so the cash-generation case should be verified before it is relied upon. Valuation signals (P/E 10.4 TTM, forward P/E 9.7) are moderate and do not on their own indicate a deep discount.

Per the SEC financials, net income rose from $116.0M in FY 2024 to $291.0M in FY 2025, while reported FCF moved from $425.1M to $430.7M over the same period. Per the market data, the net margin is listed as 68%, while gross and operating margins are each listed as 0%, which does not reconcile with the reported revenue and income figures and should be treated with caution. Per the Roarable RQD rating, ROIC is 10.3% and the Altman Z-Score is 2.5, the Piotroski F-Score is 6/9, and Debt/Equity is 0.5. Debt figures are not reported in the financials, so the balance sheet posture relies on the rating's forensic inputs rather than line-item debt.

• What are the specific drivers behind the reported jump in net income from $116.0M to $291.0M between FY 2024 and FY 2025?
• Why are gross and operating margins listed as 0% while net margin is listed as 68%, and which figure reflects the true profitability profile?
• What is the reported debt level, given that debt is N/A across all periods?
• What were the actual Q3 2026 results and guidance, as opposed to the headline characterizations?
• Who are the specific insiders and 13F holders behind the pillar scores for insider conviction and whale flow?