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Provident Financial Services, Inc. (PFS)
Price$22.84
Favorite Metrics
Price vs S&P 500 (26W)14.02%
Price vs S&P 500 (4W)2.47%
Market Capitalization$3.00B
P/E Ratio (Annual)10.30x
Indicated Dividend Yield (Annual)4.20%
All Metrics
P/CF (Annual)6.78x
Book Value / Share (Quarterly)$21.69
P/TBV (Annual)0.96x
Indicated Dividend (Annual)$0.96
Revenue Growth (3Y)7.86%
Cash Flow / Share (Quarterly)$3.30
Payout Ratio (TTM)43.24%
Price vs S&P 500 (YTD)11.72%
Net Profit Margin (TTM)30.21%
EPS (TTM)$2.23
10-Day Avg Trading Volume0.99M
EPS Excl Extra (TTM)$2.23
Revenue Growth (5Y)7.56%
EPS (Annual)$2.23
Dividend / Share (Annual)$0.96
ROI (Annual)8.73%
Net Profit Margin (5Y Avg)32.53%
Cash / Share (Quarterly)$2.50
P/E Basic Excl Extra (TTM)10.30x
Revenue Growth QoQ (YoY)29.96%
EPS Growth (5Y)9.87%
P/E Normalized (Annual)10.30x
ROA (Last FY)1.17%
Revenue Growth TTM (YoY)36.72%
EBITD / Share (TTM)$3.52
ROE (5Y Avg)8.64%
Operating Margin (TTM)40.91%
Cash Flow / Share (Annual)$3.30
P/B Ratio1.06x
P/B Ratio (Quarterly)0.91x
Net Income / Employee (Annual)$0
ROA (TTM)1.18%
EPS Growth QoQ (YoY)71.56%
EV / EBITDA (TTM)7.62x
EPS Incl Extra (Annual)$2.23
3-Month Avg Trading Volume0.93M
52-Week Price Return47.45%
EV / Free Cash Flow (Annual)8.13x
P/E Incl Extra (TTM)10.30x
Tangible BV / Share (Quarterly)$15.70
P/S Ratio (Annual)2.27x
52-Week High$23.98
Operating Margin (5Y Avg)42.91%
EPS Excl Extra (Annual)$2.23
CapEx CAGR (5Y)-2.05%
Tangible BV CAGR (5Y)10.87%
26-Week Price Return20.91%
13-Week Price Return12.57%
Total Debt / Equity (Annual)0.18x
Enterprise Value$3,501.069
Revenue / Share Growth (5Y)5.50%
Book Value / Share Growth (5Y)0.87%
Revenue / Employee (Annual)$450,594
Pretax Margin (Annual)47.51%
Cash / Share (Annual)$2.48
3-Month Return Std Dev29.52%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)27.09%
EBITDA Interim CAGR (5Y)17.23%
ROE (Last FY)10.28%
EPS Basic Excl Extra (Annual)$2.23
P/FCF (TTM)6.96x
EV / Free Cash Flow (TTM)8.13x
Total Debt / Equity (Quarterly)0.18x
EPS Incl Extra (TTM)$2.23
ROI (TTM)8.96%
Dividend Growth Rate (5Y)1.08%
P/S Ratio (TTM)2.31x
Pretax Margin (5Y Avg)42.91%
Revenue / Share (Annual)$6.76
Tangible BV / Share (Annual)$20.48
Forward P/E9.79x
Free OCF CAGR (5Y)35.56%
Price vs S&P 500 (52W)12.82%
P/E Ratio (TTM)10.30x
EPS Growth TTM (YoY)134.42%
Year-to-Date Return15.65%
5-Day Price Return2.28%
EPS Normalized (Annual)$2.23
ROA (5Y Avg)1.01%
Net Profit Margin (Annual)34.76%
Month-to-Date Return7.94%
Cash Flow / Share (TTM)$2.17
EBITD / Share (Annual)$3.52
EPS Growth (3Y)-1.70%
Operating Margin (Annual)47.51%
LT Debt / Equity (Annual)0.14x
P/CF (TTM)6.78x
ROI (5Y Avg)7.54%
P/E Excl Extra (TTM)10.30x
LT Debt / Equity (Quarterly)0.14x
EPS Basic Excl Extra (TTM)$2.23
P/TBV (Quarterly)1.26x
Payout Ratio (Annual)43.24%
P/B Ratio (Annual)0.91x
Dividend / Share (TTM)$0.96
Pretax Margin (TTM)40.91%
Book Value / Share (Annual)$21.69
Price vs S&P 500 (13W)10.19%
Net Margin Growth (5Y)3.47%
Dividend Yield (TTM)4.20%
Beta0.83x
P/FCF (Annual)6.96x
Revenue / Share (TTM)$6.65
ROE (TTM)10.62%
52-Week Low$15.12
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.13
4.13
4.00
4.00
Industry Peers — Savings Institutions(36)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
PFSProvident Financial Services, Inc. | 0.91x | 10.62% | 1.18% | — | $22.84 |
HSBCHSBC Holdings PLC | 1.38x | 14.21% | 0.85% | — | $91.59 |
AXAxos Financial, Inc. Common Stock | 1.67x | 16.59% | 1.75% | — | $98.97 |
EBCEastern Bankshares, Inc. Common Stock | 1.01x | 2.29% | 0.33% | — | $20.97 |
TFSLTFS Financial Corporation | 1.97x | 4.79% | 0.52% | — | $15.05 |
BKUBankunited, Inc. | 1.10x | 8.99% | 0.76% | — | $47.34 |
CLBKColumbia Financial, Inc. Common Stock | 1.40x | 4.58% | 0.48% | — | $18.41 |
CFFNCapitol Federal Financial, Inc. | 0.86x | 6.99% | 0.75% | — | $7.72 |
HTBHomeTrust Bancshares, Inc. | 1.25x | 11.00% | 1.41% | — | $45.47 |
NFBKNorthfield Bancorp, Inc. | 0.69x | 0.11% | 0.01% | — | $13.85 |
NRIMNorthrim BanCorp Inc | 1.80x | 21.32% | 1.99% | — | $24.81 |
About
Provident Financial Services Inc is the holding company for The Provident Bank, a community-oriented bank operating in northern and central New Jersey, Queens and Nassau Counties in New York, and eastern Pennsylvania. The bank generates revenue through traditional lending, wealth management services, insurance agency commissions, and banking service fees.