PROVIDENT FINANCIAL SERVICES (PFS) Fundamental Analysis & Valuation

NYSE:PFS • US74386T1051

Current stock price

22.05 USD
-0.41 (-1.83%)
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This PFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PFS Profitability Analysis

1.1 Basic Checks

  • In the past year PFS was profitable.
  • PFS had a positive operating cash flow in the past year.
  • In the past 5 years PFS has always been profitable.
  • Each year in the past 5 years PFS had a positive operating cash flow.
PFS Yearly Net Income VS EBIT VS OCF VS FCFPFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • PFS's Return On Assets of 1.17% is fine compared to the rest of the industry. PFS outperforms 70.53% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.28%, PFS is in the better half of the industry, outperforming 62.63% of the companies in the same industry.
Industry RankSector Rank
ROA 1.17%
ROE 10.28%
ROIC N/A
ROA(3y)0.85%
ROA(5y)1.01%
ROE(3y)7.44%
ROE(5y)8.64%
ROIC(3y)N/A
ROIC(5y)N/A
PFS Yearly ROA, ROE, ROICPFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • PFS has a Profit Margin of 33.45%. This is amongst the best in the industry. PFS outperforms 86.05% of its industry peers.
  • PFS's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 33.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.27%
PM growth 5Y5.83%
GM growth 3YN/A
GM growth 5YN/A
PFS Yearly Profit, Operating, Gross MarginsPFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. PFS Health Analysis

2.1 Basic Checks

  • PFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PFS remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for PFS has been increased compared to 5 years ago.
  • PFS has a better debt/assets ratio than last year.
PFS Yearly Shares OutstandingPFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
PFS Yearly Total Debt VS Total AssetsPFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • The Debt to FCF ratio of PFS is 1.16, which is an excellent value as it means it would take PFS, only 1.16 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.16, PFS is in the better half of the industry, outperforming 63.16% of the companies in the same industry.
  • A Debt/Equity ratio of 0.18 indicates that PFS is not too dependend on debt financing.
  • PFS has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.16
Altman-Z N/A
ROIC/WACCN/A
WACC11.99%
PFS Yearly LT Debt VS Equity VS FCFPFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PFS Yearly Current Assets VS Current LiabilitesPFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. PFS Growth Analysis

3.1 Past

  • PFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 112.38%, which is quite impressive.
  • PFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.92% yearly.
  • PFS shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.29%.
  • Measured over the past years, PFS shows a quite strong growth in Revenue. The Revenue has been growing by 17.72% on average per year.
EPS 1Y (TTM)112.38%
EPS 3Y-1.73%
EPS 5Y9.92%
EPS Q2Q%72.97%
Revenue 1Y (TTM)25.29%
Revenue growth 3Y19.87%
Revenue growth 5Y17.72%
Sales Q2Q%17.95%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.47% on average over the next years.
  • Based on estimates for the next years, PFS will show a quite strong growth in Revenue. The Revenue will grow by 9.75% on average per year.
EPS Next Y7.52%
EPS Next 2Y7.47%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.46%
Revenue Next 2Y9.75%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PFS Yearly Revenue VS EstimatesPFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
PFS Yearly EPS VS EstimatesPFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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6

4. PFS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.89, the valuation of PFS can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of PFS indicates a rather cheap valuation: PFS is cheaper than 83.95% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, PFS is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.20, the valuation of PFS can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, PFS is valued a bit cheaper than 79.74% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, PFS is valued rather cheaply.
Industry RankSector Rank
PE 9.89
Fwd PE 9.2
PFS Price Earnings VS Forward Price EarningsPFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PFS is valued cheaply inside the industry as 87.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.69
EV/EBITDA N/A
PFS Per share dataPFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.31
PEG (5Y)1
EPS Next 2Y7.47%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. PFS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.66%, PFS is a good candidate for dividend investing.
  • PFS's Dividend Yield is rather good when compared to the industry average which is at 2.73. PFS pays more dividend than 91.05% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, PFS pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.66%

5.2 History

  • The dividend of PFS has a limited annual growth rate of 1.08%.
  • PFS has paid a dividend for at least 10 years, which is a reliable track record.
  • PFS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.08%
Div Incr Years0
Div Non Decr Years12
PFS Yearly Dividends per sharePFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 43.24% of the earnings are spent on dividend by PFS. This is a bit on the high side, but may be sustainable.
  • The dividend of PFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.24%
EPS Next 2Y7.47%
EPS Next 3YN/A
PFS Yearly Income VS Free CF VS DividendPFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PFS Dividend Payout.PFS Dividend Payout, showing the Payout Ratio.PFS Dividend Payout.PayoutRetained Earnings

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PFS Fundamentals: All Metrics, Ratios and Statistics

PROVIDENT FINANCIAL SERVICES

NYSE:PFS (4/10/2026, 8:04:00 PM)

After market: 22.05 0 (0%)

22.05

-0.41 (-1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-29
Inst Owners73.86%
Inst Owner Change-0.01%
Ins Owners2.44%
Ins Owner Change0.91%
Market Cap2.88B
Revenue(TTM)870.40M
Net Income(TTM)291.16M
Analysts80
Price Target25.16 (14.1%)
Short Float %3.62%
Short Ratio4.66
Dividend
Industry RankSector Rank
Dividend Yield 4.66%
Yearly Dividend0.96
Dividend Growth(5Y)1.08%
DP43.24%
Div Incr Years0
Div Non Decr Years12
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.25%
Min EPS beat(2)0.53%
Max EPS beat(2)13.97%
EPS beat(4)4
Avg EPS beat(4)6.84%
Min EPS beat(4)0.53%
Max EPS beat(4)13.97%
EPS beat(8)5
Avg EPS beat(8)-18.49%
EPS beat(12)7
Avg EPS beat(12)-12.11%
EPS beat(16)10
Avg EPS beat(16)-7.27%
Revenue beat(2)1
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-3.29%
Max Revenue beat(2)2.24%
Revenue beat(4)1
Avg Revenue beat(4)-1.41%
Min Revenue beat(4)-3.67%
Max Revenue beat(4)2.24%
Revenue beat(8)3
Avg Revenue beat(8)0.84%
Revenue beat(12)4
Avg Revenue beat(12)-2.04%
Revenue beat(16)8
Avg Revenue beat(16)3.83%
PT rev (1m)0.27%
PT rev (3m)6.78%
EPS NQ rev (1m)-1.26%
EPS NQ rev (3m)-2.19%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
Industry RankSector Rank
PE 9.89
Fwd PE 9.2
P/S 3.31
P/FCF 6.69
P/OCF 6.52
P/B 1.02
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)2.23
EY10.11%
EPS(NY)2.4
Fwd EY10.87%
FCF(TTM)3.3
FCFY14.95%
OCF(TTM)3.38
OCFY15.35%
SpS6.66
BVpS21.68
TBVpS15.69
PEG (NY)1.31
PEG (5Y)1
Graham Number32.98
Profitability
Industry RankSector Rank
ROA 1.17%
ROE 10.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.45%
GM N/A
FCFM 49.49%
ROA(3y)0.85%
ROA(5y)1.01%
ROE(3y)7.44%
ROE(5y)8.64%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.27%
PM growth 5Y5.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.16
Debt/EBITDA N/A
Cap/Depr 22.49%
Cap/Sales 1.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 147.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.99%
ROIC/WACCN/A
Cap/Depr(3y)29.89%
Cap/Depr(5y)54.06%
Cap/Sales(3y)1.03%
Cap/Sales(5y)1.6%
Profit Quality(3y)215.03%
Profit Quality(5y)167.96%
High Growth Momentum
Growth
EPS 1Y (TTM)112.38%
EPS 3Y-1.73%
EPS 5Y9.92%
EPS Q2Q%72.97%
EPS Next Y7.52%
EPS Next 2Y7.47%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.29%
Revenue growth 3Y19.87%
Revenue growth 5Y17.72%
Sales Q2Q%17.95%
Revenue Next Year13.46%
Revenue Next 2Y9.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.33%
FCF growth 3Y31.16%
FCF growth 5Y35.56%
OCF growth 1Y3.73%
OCF growth 3Y30.21%
OCF growth 5Y32.84%

PROVIDENT FINANCIAL SERVICES / PFS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of PROVIDENT FINANCIAL SERVICES (PFS) stock?

ChartMill assigns a fundamental rating of 5 / 10 to PFS.


What is the valuation status of PROVIDENT FINANCIAL SERVICES (PFS) stock?

ChartMill assigns a valuation rating of 6 / 10 to PROVIDENT FINANCIAL SERVICES (PFS). This can be considered as Fairly Valued.


What is the profitability of PFS stock?

PROVIDENT FINANCIAL SERVICES (PFS) has a profitability rating of 4 / 10.


What are the PE and PB ratios of PROVIDENT FINANCIAL SERVICES (PFS) stock?

The Price/Earnings (PE) ratio for PROVIDENT FINANCIAL SERVICES (PFS) is 9.89 and the Price/Book (PB) ratio is 1.02.


Is the dividend of PROVIDENT FINANCIAL SERVICES sustainable?

The dividend rating of PROVIDENT FINANCIAL SERVICES (PFS) is 8 / 10 and the dividend payout ratio is 43.24%.