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Provident Financial Services, Inc. PFS R2K

Financial Services · Banks - Regional · United States
https://www.provident.bank
Company Profile ↓
$23.53
+31.31% 1Y
Mkt Cap$3.07B
P/E10.01
P/B1.07
Div. Yield4.08%
52W High$23.97
52W Low$17.08
Book Value$21.97
EPS (TTM)$2.35

Company Overview

Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; residential mortgage loans; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning; and insurance agency operations. Further, it sells insurance and investment products, including annuities; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 12.1% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.0, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 34.6%.

Dividend Income

Offers a dividend yield of 4.08%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $73.11M (+7.1% YoY); net profit $291.16M.
  • Trailing 12 Months Year-on-year growth — revenue +9.2%, earnings +24.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 8.2%, profit CAGR 12.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:8.22%
1 Year:9.20%

Compounded Profit Growth

5 Years:12.12%
1 Year:24.20%

Stock Price Performance

1 Year:+31.31%
6 Months:+19.66%
3 Months:+6.58%
1 Month:+1.20%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 94% of range
$17.08 $23.97
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)55.96 · Neutral
Price Performance
1M+1.20%
3M+6.58%
6M+19.66%
1Y+31.31%
Valuation vs Sector

P/E of 10.01 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.6%.
  • Profit CAGR of 12.1% over 5 years.
  • Attractive dividend yield of 4.08%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.01
Industry PE
13.30
Forward P/E
9.32
PEG Ratio
1.61
Book Value
$21.97
Price to Book
1.07
P/S
3.46
EV/EBITDA
-
Dividend Yield
4.08%

Growth (CAGR)

Revenue 5Y
8.22%
Profit 5Y
12.12%
Revenue (YoY)
9.20%
Earnings (YoY)
24.20%

Profitability & Returns

ROCE
-
ROE
11.10%
ROA
1.24%
Profit Margin
34.60%
Op Margin
53.48%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.61
EPS (TTM)
$2.35

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$3.06B
Total Assets
$25.20B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.77%
Chg in Prom Hold
-0.07%
FII / Inst Holding
76.07%
Chg in FII Hold
-0.04%

Financial Snapshot

Enterprise Value
$3.07B
Total Revenue (TTM)
$886.01M
EBITDA
-
Free Cash Flow
$430.73M
Operating Cash Flow
$438.40M
Shares Outstanding
130.31M
Gross Margin
0.00%
Payout Ratio
40.85%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PFS Provident Financial Services, Inc. R2K 23.53 10.01 $3.07B 4.08% - 11.10% 8.22% 12.12%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue --------8.71M9.17M9.42M-9.12M9.40M9.41M-8.58M11.01M10.94M-10.44M9.31M12.72M-14.14M15.36M14.18M14.62M13.79M13.69M15.09M14.58M14.20M16.29M17.64M17.85M18.87M18.28M17.73M20.61M
Net Income 19.80M21.80M20.61M21.52M20.97M21.36M22.91M22.57M23.51M24.38M26.57M19.48M27.91M19.24M35.47M35.76M30.89M24.39M31.40M25.95M14.93M14.31M27.14M40.57M48.56M44.79M37.27M43.96M39.23M43.42M40.54M32.00M28.55M32.08M-11.48M46.41M64.03M71.98M71.72M79.42M
Diluted EPS 0.320.350.330.340.330.340.360.350.370.380.410.300.430.300.540.550.480.380.490.400.230.220.370.530.630.580.490.580.530.580.540.430.380.43-0.110.360.490.550.550.61

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------35.90M36.48M37.28M41.35M45.53M57.56M54.99M57.52M68.29M73.11M
Net Income 41.64M-121.82M49.70M57.34M67.27M70.53M73.63M83.72M87.80M93.95M118.39M112.63M96.95M167.92M175.65M128.40M115.53M291.16M
Diluted EPS 0.74-2.160.881.011.181.231.221.331.381.451.821.741.392.192.351.711.052.23

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --6.84B6.82B7.10B7.28B7.49B8.52B8.91B9.50B9.85B9.73B9.81B12.92B13.78B13.78B14.21B24.05B24.98B
Total Equity 1.00B1.02B884.55M921.69M952.48M981.25M1.01B1.14B1.20B1.25B1.30B1.36B1.41B1.62B1.70B1.60B1.69B2.60B2.83B
Cash & Equivalents 140.63M68.55M123.74M52.23M69.63M103.82M101.22M103.76M102.23M144.30M190.83M104.68M145.75M418.05M685.16M186.44M180.19M205.87M209.06M
Total Liabilities --5.95B5.90B6.14B6.30B6.48B7.38B7.72B8.25B8.55B8.37B8.39B11.30B12.08B12.19B12.52B21.45B22.15B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 62.55M23.51M92.26M93.83M108.29M119.92M101.67M114.87M127.31M117.22M155.72M136.93M103.30M156.81M200.31M173.40M426.38M442.26M
Investing Cash Flow -284.58M-366.36M-88.50M-279.43M-185.11M-259.34M-74.55M-408.68M-580.80M-306.34M46.70M42.87M-504.37M-716.57M-647.56M-469.60M507.67M-1.05B
Financing Cash Flow 149.94M398.04M-75.27M203.00M111.01M136.82M-24.58M292.28M495.56M235.65M-250.60M-135.71M746.68M739.86M-78.70M289.95M-908.37M615.62M
Capital Expenditure -6.37M-8.12M-8.51M-8.55M-7.66M-7.71M-16.44M-5.91M-5.00M-3.23M-3.16M-4.88M-12.82M-13.80M-9.41M-7.49M-1.31M-11.54M
Free Cash Flow 56.17M15.39M83.75M85.29M100.63M112.21M85.23M108.96M122.31M113.99M152.56M132.04M90.48M143.01M190.90M165.91M425.07M430.73M
Share Buybacks 1.45M119.00K193.00K4.14M9.42M5.90M3.55M01.56M443.00K13.17M19.87M21.16M20.71M46.53M000
Dividends Paid 24.70M24.87M24.98M26.80M40.73M32.32M36.12M41.28M45.37M59.98M53.60M72.81M65.82M71.48M72.02M72.45M100.96M125.91M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % --------244.6%257.5%317.5%272.4%212.9%291.7%319.4%223.2%169.2%398.3%
ROE % 4.1%-13.8%5.4%6.0%6.9%7.0%6.4%7.0%7.0%7.2%8.7%8.0%6.0%9.9%11.0%7.6%4.4%10.3%
ROCE % ------------------

Shareholding Pattern

Insiders
2.77%
Institutions
76.07%
Public Float
78.23%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.83% 19.32M $454.38M
2 Dimensional Fund Advisors LP 6.19% 8.07M $189.78M
3 Vanguard Portfolio Management LLC 6.19% 8.06M $189.64M
4 State Street Corporation 5.59% 7.28M $171.23M
5 Wellington Management Group, LLP 4.44% 5.79M $136.07M
6 Vanguard Capital Management LLC 4.30% 5.61M $131.89M
7 American Century Companies Inc 2.75% 3.59M $84.33M
8 Geode Capital Management, LLC 2.55% 3.32M $78.11M
9 Systematic Financial Management, L.P. 1.50% 1.96M $46.01M
10 Charles Schwab Investment Management, Inc. 1.24% 1.61M $37.97M

Analyst View

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Latest News

Recent headlines for PFS

Google News Fri, 10 Jul 2026

3 Stocks Under $50 We Approach with Caution - Yahoo Finance

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Google News Fri, 10 Jul 2026

Provident Financial Services (PFS) After Russell Index Removal And A Fair Value Question - simplywall.st

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Google News hu, 09 Jul 2026

Understanding the Setup: (PFS) and Scalable Risk - Stock Traders Daily

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Google News Wed, 01 Jul 2026

Provident Financial to release Q2 results July 29, then hold call - Stock Titan

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Google News hu, 04 Jun 2026

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Google News ue, 27 Jan 2026

PROVIDENT FINANCIAL SVCS ($PFS) Releases Q4 2025 Earnings - Quiver Quantitative

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PFS — Frequently Asked Questions

What is the current share price of Provident Financial Services, Inc. (PFS)?

As of 2026-07-14 21:23 PDT, Provident Financial Services, Inc. (PFS) trades at $23.53 on NYSE. Its 52-week range is $17.08 to $23.97.

What is the market capitalisation of PFS?

Provident Financial Services, Inc. (PFS) has a market capitalisation of $3.07B on NYSE.

What is the P/E ratio of PFS?

PFS trades at a trailing price-to-earnings (P/E) ratio of 10.01. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.07.

Does PFS pay a dividend?

Provident Financial Services, Inc. (PFS) currently offers a dividend yield of 4.08%.

What is the return on equity (ROE) of PFS?

PFS has a return on equity (ROE) of 11.10%.

Is PFS a good stock to buy?

This page provides a data-driven analysis of Provident Financial Services, Inc. (PFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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