Provident Financial (PFS Quick QuotePFS - Free Report) reported $115.56 million in revenue for the quarter ended September 2023, representing a year-over-year decline of 16.2%. EPS of $0.38 for the same period compares to $0.58 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $115.75 million, representing a surprise of -0.17%. The company delivered an EPS surprise of +15.15%, with the consensus EPS estimate being $0.33.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Provident Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin: 3% versus 3% estimated by two analysts on average.
• Efficiency Ratio: 54.8% versus the two-analyst average estimate of 55.8%.
• Total Non-Interest Income: $19.32 million versus $19.57 million estimated by two analysts on average.
• Net Interest Income: $96.24 million versus the two-analyst average estimate of $96.21 million.

View all Key Company Metrics for Provident Financial here>>>

Shares of Provident Financial have returned -8.8% over the past month versus the Zacks S&P 500 composite's -3.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.