Provident Financial Services, Inc. PFS R2K

Financial Services · Banks - Regional · United States

https://www.provident.bank

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.

Market & Price

Market Cap

$2.89B

Current Price

$22.19

High / Low (52W)

$23.28 / $15.25

Beta

0.80

Valuation

Stock P/E

9.44

Industry PE

12.01

Forward P/E

8.84

PEG Ratio

1.61

Book Value

$21.97

Price to Book

1.01

P/S

3.26

EV/EBITDA

Dividend Yield

4.33%

Profitability & Returns

ROCE

ROE

11.10%

ROA

1.24%

Profit Margin

34.60%

Op Margin

53.48%

EPS (Latest Qtr)

$0.61

EPS (TTM)

$2.35

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$3.06B

Total Assets

$24.98B

Current Assets

Working Capital

Ownership

Promoter Holding

2.84%

Chg in Prom Hold

0.01%

FII / Inst Holding

76.09%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$5.62B

Total Revenue (TTM)

$886.01M

EBITDA

Free Cash Flow

Operating Cash Flow

$438.40M

Shares Outstanding

130.31M

Gross Margin

0.00%

Payout Ratio

40.85%

Growth (CAGR)

Revenue 5Y

19.87%

Profit 5Y

18.35%

Revenue (YoY)

9.20%

Earnings (YoY)

24.20%

PROS

Excellent profit margin of 34.6%.
Compounding revenue at 19.9% over 5 years.
Profit CAGR of 18.3% over 5 years.
Attractive dividend yield of 4.33%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PFS Provident Financial Services, Inc. R2K	22.19	9.44	$2.89B	4.33%	-	11.10%	19.87%	18.35%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	8.71M	9.17M	9.42M	-	9.12M	9.40M	9.41M	-	8.58M	11.01M	10.94M	-	10.44M	9.31M	12.72M	-	14.14M	15.36M	14.18M	14.62M	13.79M	13.69M	15.09M	14.58M	14.20M	16.29M	17.64M	17.85M	208.76M	214.17M	221.75M	225.72M	225.20M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	123.62M	129.21M	131.95M	127.43M	121.32M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	91.85M	102.44M	101.61M	112.25M	110.17M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.82M	30.46M	29.89M	28.82M	30.75M
Net Income	21.80M	20.61M	21.52M	20.97M	21.36M	22.91M	22.57M	23.51M	24.38M	26.57M	19.48M	27.91M	19.24M	35.47M	35.76M	30.89M	24.39M	31.40M	25.95M	14.93M	14.31M	27.14M	40.57M	48.56M	44.79M	37.27M	43.96M	39.23M	43.42M	40.54M	32.00M	28.55M	32.08M	-11.48M	46.41M	64.03M	71.98M	71.72M	83.43M	79.42M
Diluted EPS	0.35	0.33	0.34	0.33	0.34	0.36	0.35	0.37	0.38	0.41	0.30	0.43	0.30	0.54	0.55	0.48	0.38	0.49	0.40	0.23	0.22	0.37	0.53	0.63	0.58	0.49	0.58	0.53	0.58	0.54	0.43	0.38	0.43	-0.11	0.36	0.49	0.55	0.55	0.64	0.61

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	35.90M	36.48M	37.28M	41.35M	45.53M	-	505.34M	479.28M	694.73M	870.40M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48.63M	216.37M	445.52M	512.21M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	240.11M	175.78M	149.62M	408.16M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	64.46M	47.38M	34.09M	117.00M
Net Income	41.64M	-121.82M	49.70M	57.34M	67.27M	70.53M	73.63M	83.72M	87.80M	93.95M	118.39M	112.63M	96.95M	-	175.65M	128.40M	115.53M	291.16M
Diluted EPS	0.74	-2.16	0.88	1.01	1.18	1.23	1.22	1.33	1.38	1.45	1.82	1.74	1.39	-	2.35	1.71	1.05	2.23

Compounded Sales Growth

5 Years:	19.87%
1 Year:	9.20%

Compounded Profit Growth

5 Years:	18.35%
1 Year:	24.20%

Stock Price Performance

1 Year:	+39.25%
6 Months:	+16.56%
3 Months:	+6.63%
1 Month:	+0.06%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	6.84B	6.82B	7.10B	7.28B	7.49B	8.52B	8.91B	9.50B	9.85B	9.73B	9.81B	12.92B	-	13.78B	14.21B	24.05B	24.98B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	140.63M	68.55M	123.74M	52.23M	69.63M	103.82M	101.22M	103.76M	102.23M	144.30M	190.83M	104.68M	145.75M	418.05M	-	186.51M	180.25M	205.94M	211.48M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	51.90M	58.97M	91.16M	95.80M
Total Liabilities	-	-	5.95B	5.90B	6.14B	6.30B	6.48B	7.38B	7.72B	8.25B	8.55B	8.37B	8.39B	11.30B	-	12.19B	12.52B	21.45B	22.15B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.25B	1.46B	2.31B	2.42B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.25B	1.46B	2.31B	2.42B
Total Equity	1.00B	1.02B	884.55M	921.69M	952.48M	981.25M	1.01B	1.14B	1.20B	1.25B	1.30B	1.36B	1.41B	1.62B	-	1.60B	1.69B	2.60B	2.83B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	83.21M	83.21M	137.57M	137.57M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	62.55M	23.51M	92.26M	93.83M	108.29M	119.92M	101.67M	114.87M	127.31M	117.22M	155.72M	136.93M	103.30M	-	200.31M	173.40M	426.38M	442.26M
Investing Cash Flow	-284.58M	-366.36M	-88.50M	-279.43M	-185.11M	-259.34M	-74.55M	-408.68M	-580.80M	-306.34M	46.70M	42.87M	-504.37M	-	-647.56M	-469.60M	507.67M	-1.05B
Financing Cash Flow	149.94M	398.04M	-75.27M	203.00M	111.01M	136.82M	-24.58M	292.28M	495.56M	235.65M	-250.60M	-135.71M	746.68M	-	-78.70M	289.95M	-908.37M	615.62M
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	-	-9.41M	-7.49M	-1.31M	-11.54M
Free Cash Flow	56.17M	15.39M	83.75M	85.29M	100.63M	112.21M	85.23M	108.96M	122.31M	113.99M	152.56M	132.04M	90.48M	-	190.90M	165.91M	425.07M	430.73M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-525.96M	-6.25M	25.68M	5.54M
Share Buybacks	1.45M	119.00K	193.00K	4.14M	9.42M	5.90M	3.55M	0	1.56M	443.00K	13.17M	19.87M	21.16M	20.71M	46.53M	0	0	0
Dividends Paid	24.70M	24.87M	24.98M	26.80M	40.73M	32.32M	36.12M	41.28M	45.37M	59.98M	53.60M	72.81M	65.82M	71.48M	72.02M	72.45M	100.96M	125.91M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	244.6%	257.5%	317.5%	272.4%	212.9%	-	34.8%	26.8%	16.6%	33.5%
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%	-	11.0%	7.6%	4.4%	10.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.84%

Institutions

76.09%

Public Float

78.31%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.83%	19.32M	$428.78M
2	Dimensional Fund Advisors LP	6.19%	8.07M	$179.09M
3	Vanguard Portfolio Management LLC	6.19%	8.06M	$178.96M
4	State Street Corporation	5.59%	7.28M	$161.58M
5	Wellington Management Group, LLP	4.44%	5.79M	$128.41M
6	Vanguard Capital Management LLC	4.30%	5.61M	$124.46M
7	American Century Companies Inc	2.75%	3.59M	$79.58M
8	Geode Capital Management, LLC	2.55%	3.32M	$73.70M
9	Systematic Financial Management, L.P.	1.50%	1.96M	$43.42M
10	Charles Schwab Investment Management, Inc.	1.24%	1.61M	$35.83M

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