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Provident Financial Services, Inc. PFS

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Price alert · PFS

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22.94 USD -0.23 -0.99%

At close

22.92 -0.02 -0.09%

Pre-market · Nov 2, 4:01 AM ET

Bid
22.82 × 200
Ask
22.94 × 500
22.87 Day range 23.31
17.71 52-week range 25.49
YTD
+16.15%
1 year
+25.42%
Open
23.09
Prev close
23.17
Mkt cap
2.99B
Vol
955.93K
Avg vol
828.12K
EPS
2.38
P/E
9.64
Div yield
4.14%
More statistics
Low
22.87
High
23.31
Forward P/E
8.87
Beta
0.82
Short ratio
6.45
Inst. own
76.94%
Dividend
0.96
Ex-div date
Aug 13, 2026
Earnings
Jan 26, 2027
50-d avg
22.89
200-d avg
22.62
1y target
27.83

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Financial health

Altman Z-Score

0.27 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 8.9×
FY 2016: 20.5×FY 2017: 18.5×FY 2018: 13.3×FY 2019: 14.2×FY 2020: 12.9×FY 2021: 11.0×FY 2022: 9.1×FY 2023: 10.5×FY 2024: 18.0×FY 2025: 8.9×
FY 2016 5y median 10.5× FY 2025
P/S 1.9×
FY 2016: 5.0×FY 2017: 4.6×FY 2018: 3.7×FY 2019: 3.7×FY 2020: 2.9×FY 2021: 3.8×FY 2022: 2.9×FY 2023: 1.9×FY 2024: 1.8×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
P/B 0.9×
FY 2016: 1.4×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/FCF 6.0×
FY 2016: 14.7×FY 2017: 15.2×FY 2018: 10.3×FY 2019: 12.1×FY 2020: 13.8×FY 2021: 13.0×FY 2022: 8.4×FY 2023: 8.1×FY 2024: 4.9×FY 2025: 6.0×
FY 2016 5y median 8.1× FY 2025
EV/EBITDA 10.3×
FY 2016: 23.8×FY 2017: 21.6×FY 2018: 18.6×FY 2019: 15.3×FY 2020: 13.0×FY 2021: 7.1×FY 2022: 10.5×FY 2023: 13.6×FY 2024: 21.0×FY 2025: 10.3×
FY 2016 5y median 10.5× FY 2025
EV/Sales 3.5×
FY 2016: 9.1×FY 2017: 8.7×FY 2018: 6.8×FY 2019: 5.8×FY 2020: 4.4×FY 2021: 3.6×FY 2022: 5.0×FY 2023: 3.9×FY 2024: 3.8×FY 2025: 3.5×
FY 2016 5y median 3.8× FY 2025
FCF Yield 16.7%
FY 2016: 6.8%FY 2017: 6.6%FY 2018: 9.7%FY 2019: 8.3%FY 2020: 7.2%FY 2021: 7.7%FY 2022: 12.0%FY 2023: 12.3%FY 2024: 20.5%FY 2025: 16.7%
FY 2016 5y median 12.3% FY 2025

Profitability

Gross Margin 62.7%
FY 2016: 86.3%FY 2017: 86.5%FY 2018: 80.2%FY 2019: 80.1%FY 2020: 81.1%FY 2021: 97.2%FY 2022: 90.3%FY 2023: 64.8%FY 2024: 53.2%FY 2025: 62.7%
FY 2016 5y median 64.8% FY 2025
Operating Margin 29.5%
FY 2016: 34.9%FY 2017: 37.0%FY 2018: 34.4%FY 2019: 33.8%FY 2020: 29.3%FY 2021: 46.4%FY 2022: 43.3%FY 2023: 25.3%FY 2024: 13.1%FY 2025: 29.5%
FY 2016 5y median 29.5% FY 2025
Net Margin 21.1%
FY 2016: 24.5%FY 2017: 24.8%FY 2018: 28.3%FY 2019: 25.9%FY 2020: 22.2%FY 2021: 34.3%FY 2022: 31.7%FY 2023: 18.5%FY 2024: 10.1%FY 2025: 21.1%
FY 2016 5y median 21.1% FY 2025
ROE 10.3%
FY 2016: 7.0%FY 2017: 7.2%FY 2018: 8.7%FY 2019: 8.0%FY 2020: 6.0%FY 2021: 9.9%FY 2022: 11.0%FY 2023: 7.6%FY 2024: 4.4%FY 2025: 10.3%
FY 2016 5y median 9.9% FY 2025
ROIC -1.9%
FY 2016: 3.0%FY 2017: 3.0%FY 2018: 4.1%FY 2019: 4.2%FY 2020: 3.2%FY 2021: 6.7%FY 2022: 5.5%FY 2023: 3.3%FY 2024: 2.1%FY 2025: -1.9%
FY 2016 5y median 3.3% FY 2025
ROA 1.2%
FY 2016: 0.9%FY 2017: 1.0%FY 2018: 1.2%FY 2019: 1.1%FY 2020: 0.8%FY 2021: 1.2%FY 2022: 1.3%FY 2023: 0.9%FY 2024: 0.5%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 21.3%
FY 2016: 3.1%FY 2017: 6.1%FY 2018: 10.3%FY 2019: 4.0%FY 2020: 0.1%FY 2021: 12.3%FY 2022: 13.3%FY 2023: 25.6%FY 2024: 63.9%FY 2025: 21.3%
FY 2016 FY 2025
Operating Income 172.8%
FY 2016: 3.8%FY 2017: 12.6%FY 2018: 2.4%FY 2019: 2.2%FY 2020: -13.3%FY 2021: 78.1%FY 2022: 5.7%FY 2023: -26.8%FY 2024: -14.9%FY 2025: 172.8%
FY 2016 FY 2025
EPS (diluted) 112.4%
FY 2016: 3.8%FY 2017: 5.1%FY 2018: 25.5%FY 2019: -4.4%FY 2020: -20.1%FY 2021: 57.6%FY 2022: 7.3%FY 2023: -27.2%FY 2024: -38.6%FY 2025: 112.4%
FY 2016 FY 2025
Free Cash Flow 1.3%
FY 2016: 12.3%FY 2017: -6.8%FY 2018: 33.8%FY 2019: -13.4%FY 2020: -31.5%FY 2021: 58.1%FY 2022: 33.5%FY 2023: -13.1%FY 2024: 156.2%FY 2025: 1.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.9×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.4×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 4.9×
FY 2016: 10.7×FY 2017: 10.2×FY 2018: 8.4×FY 2019: 5.7×FY 2020: 4.5×FY 2021: -0.3×FY 2022: 4.4×FY 2023: 6.8×FY 2024: 10.9×FY 2025: 4.9×
FY 2016 5y median 4.9× FY 2025
Interest Coverage 0.8×
FY 2016: 2.9×FY 2017: 3.1×FY 2018: 2.4×FY 2019: 2.0×FY 2020: 2.5×FY 2021: 6.3×FY 2022: 4.9×FY 2023: 0.8×FY 2024: 0.3×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 4.9%
FY 2016: 2.5%FY 2017: 3.5%FY 2018: 3.4%FY 2019: 4.6%FY 2020: 5.3%FY 2021: 3.9%FY 2022: 4.5%FY 2023: 5.4%FY 2024: 4.9%FY 2025: 4.9%
FY 2016 5y median 4.9% FY 2025
Payout Ratio 43.2%
FY 2016: 51.7%FY 2017: 63.8%FY 2018: 45.3%FY 2019: 64.6%FY 2020: 67.9%FY 2021: 42.6%FY 2022: 41.0%FY 2023: 56.4%FY 2024: 87.4%FY 2025: 43.2%
FY 2016 5y median 43.2% FY 2025

Annual · latest fiscal year ends 2025-12-31