Provident Financial Services, Inc. (PFS)

NYSE: PFS · USD

$23.1

-0.18 (-0.8%)· Recorded snapshot

Market cap	3B
Revenue (ttm)	894.3M
Net income (ttm)	312.7M
EPS (ttm)	$2.40
Shares out	130.4M
P/E (trailing)	9.6x
P/E (forward)	9.2x
Dividend	$0.96 (4.18%)
Volume	622,151
Beta	0.82

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 894.3M
Net income (ttm): 312.7M
EPS (ttm): $2.40
P/E (trailing): 9.6x
P/E (forward): 9.2x
Market cap: 3B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Compra fuerte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra fuerte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantener

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.2

P25 n/aP50 n/aP75 n/a

Trailing P/E9.6

P25 n/aP50 n/aP75 n/a

ROE11.1

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All PFS indicators

Market & fundamental data

Available fields

250

Groups with data

Currency

USD

Showing 250 of 250 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001178970
Company name	Provident Financial Services, Inc.
Country	United States
Country code	US
CUSIP number	74386T105
Earnings date	2026-10-28
Earnings time	amc
Employees	1,866
Employees change	65
Employees growth	3.61%
Enterprise value	$5.7B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1839
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US74386T1051
Last 10-K release date	2026-02-27
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$3B
Market cap category	Mid-Cap
Next earnings date	2027-01-26
Options	Yes
Price	$23.05
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-10-28
Symbol	PFS
U.S. state	New Jersey
Website	https://www.provident.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	9.56x
Average P/E ratio (10Y)	13.3x
Average P/E ratio (3Y)	13.45x
Average P/E ratio (5Y)	11.91x
Earnings yield	10.4%
EV/Earnings	18.12x
EV/FCF	16.17x
EV/Sales	6.34x
FCF / EV yield	6.18%
FCF yield	11.6%
Forward EV/Sales	5.86x
Forward P/E	9.21x
Forward P/S	3.13x
Graham number	34.67005
Graham upside	49.76%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$34.01
Lynch upside	46.93%
P/B ratio	1.04x
P/E ratio	9.62x
P/FCF ratio	8.62x
P/OCF ratio	8.15x
P/S ratio	3.38x
Price / tangible book value	1.41x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	27.29%
FCF margin	39.18%
Operating margin	53.39%
Pretax margin	48.09%
Profit margin	34.97%
Profit per employee	$167,586
Profitable quarters	8
Profitable years	16
Revenue per employee	$479,247
ROA	1.25%
ROA (5Y)	1.05%
ROE	11.14%
ROE (5Y)	8.94%
SBC / revenue	1.2%
Tax / revenue	13.13%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	35.65%
EPS growth (Q)	9.02%
EPS growth (QoQ)	-1.46%
EPS growth 10Y	6.03%
EPS growth 3Y	2.74%
EPS growth 5Y	2.4%
EPS growth quarters	7
EPS growth years	1
FCF growth	-39.45%
FCF growth (Q)	-40.51%
FCF growth (QoQ)	34.15%
FCF growth 3Y	25.38%
FCF growth 5Y	24.59%
Net income growth	35.41%
Net income growth (Q)	8.57%
Net income growth (QoQ)	-1.6%
Net income growth 3Y	23.75%
Net income growth 5Y	14.19%
Net income growth quarters	8
Net income growth years	1
OCF growth	-36.54%
OCF growth (Q)	-36.37%
OCF growth (QoQ)	40.39%
OCF growth 10Y	11.95%
OCF growth 3Y	26.23%
OCF growth 5Y	22.99%
Revenue growth	8.6%
Revenue growth (Q)	3.81%
Revenue growth (QoQ)	-0.88%
Revenue growth 10Y	11.46%
Revenue growth 3Y	22.13%
Revenue growth 5Y	14.36%
Revenue growth quarters	8
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-20.1M
EPS	$2.40
FCF per share	$2.69
Financing cash flow	$731.1M
Free cash flow	$350.4M
Gross profit	$894.3M
Income taxes	$117.4M
Investing cash flow	$-1.1B
Net borrowing	$32.9M
Net cash flow	$-30.6M
Net income	$312.7M
Operating income	$477.5M
Revenue	$894.3M
Stock-based compensation	$10.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$22.29
Debt / equity	1.03
Debt / FCF	8.54
Net cash (debt)	$-2.6B
Net cash / market cap	-87.68%
Net debt / equity	0.91
Net debt / FCF	7.56
Piotroski F-Score	4
Property, plant and equipment	$171.5M
Shareholders' equity	$2.9B
Tangible book value	$2.1B
Tangible book value per share	$16.42
Total assets	$25.7B
Total cash	$344M
Total debt	$3B
Total liabilities	$22.8B
WACC	4.41%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-21.2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.12%
Dividend growth	0%
Dividend growth (10Y)	3.21%
Dividend growth (3Y)	0%
Dividend growth (5Y)	0.85%
Dividend growth years	0
Dividend payment date	2026-08-28
Dividend payment years	24
Dividend payout frequency	Quarterly
Dividend per share	$0.96
Dividend yield	4.19%
Ex-dividend date	2026-08-14
FCF payout ratio	35.74%
Last dividend	$0.24
Payout ratio	40.05%
Shareholder yield	4.03%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	6.26%
10Y return CAGR	5.32%
10Y total return	67.96%
150-day SMA	$22.96
15Y price change	62.05%
15Y return CAGR	7.82%
15Y total return	209.27%
1D price change	-0.77%
1M price change	0.68%
1M total return	0.68%
1W price change	2.06%
1W total return	2.06%
1Y price change	21.09%
1Y return CAGR	26.56%
1Y total return	26.54%
20-day SMA	$22.47
200-day SMA	$22.61
20Y price change	26.28%
20Y return CAGR	5.37%
20Y total return	184.4%
3M price change	-3.63%
3M total return	-2.69%
3Y price change	63.32%
3Y return CAGR	24.02%
3Y total return	90.76%
50-day SMA	$22.90
50-day SMA vs 200-day SMA	50over200
52-week high	$25.49
52-week high date	2026-08-04
52-week low	$17.71
52-week low date	2025-11-17
5Y price change	-4.43%
5Y return CAGR	4.09%
5Y total return	22.21%
6M price change	0.81%
6M total return	2.91%
All-time high	$29.12
All-time high date	2018-06-07
All-time low	$7.81
All-time low date	2009-03-09
Average true range (ATR)	$0.41
Average volume	814.1K
Beta (1Y)	0.23
Beta (2Y)	0.77
Beta (5Y)	0.82
Change from 52-week high	-9.57%
Change from 52-week low	30.19%
Change from all-time high	-21.03%
Change from all-time low	194.43%
Change from open	-1.12%
Day's gap	0.34%
Dollar volume	$14.3M
High price	$23.31
Low price	$22.80
Monthly RSI	58.43
Open price	$23.31
Position in 52-week range	49.02%
Premarket change	0.73%
Premarket close	$23.23
Premarket price	$23.40
Previous close	$23.23
Price vs 150-day SMA	0.17%
Price vs 20-day SMA	2.33%
Price vs 200-day SMA	1.72%
Price vs 50-day SMA	0.43%
Relative volume	0.76
RSI	56.2
Sharpe ratio	0.96
Sharpe ratio (3Y)	0.72
Sharpe ratio (5Y)	0.13
Sortino ratio	1.77
Sortino ratio (3Y)	1.32
Sortino ratio (5Y)	0.39
Volume	622.2K
Weekly RSI	51.93
YTD price change	16.43%
YTD total return	20.11%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	126.3M
Float percentage	96.86%
Shares change (QoQ)	-0.15%
Shares change (YoY)	0.12%
Shares held by insiders	3.12%
Shares held by institutions	75.86%
Shares outstanding	130.4M
Short % of float	4.66%
Short % of shares	4.51%
Short ratio	6.9 days

Deeper analysis on PFS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this PFS report

Is a complete PFS research report available?

No complete published report is available for Provident Financial Services, Inc. (PFS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Provident Financial Services, Inc. (PFS)

Price

Financial snapshot

Fair-value bridge

Latest news · PFS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PFS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PFS

Frequently asked questions