PROVIDENT FINANCIAL SERVICES (PFS) Fundamental Analysis & Valuation

NYSE:PFS • US74386T1051

20.92 USD
-0.33 (-1.55%)
At close: Mar 6, 2026
20.5625 USD
-0.36 (-1.71%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This PFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, PFS scores 5 out of 10 in our fundamental rating. PFS was compared to 379 industry peers in the Banks industry. PFS has a medium profitability rating, but doesn't score so well on its financial health evaluation. PFS is not overvalued while it is showing excellent growth. This is an interesting combination. Finally PFS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. PFS Profitability Analysis

1.1 Basic Checks

  • In the past year PFS was profitable.
  • In the past year PFS had a positive cash flow from operations.
  • PFS had positive earnings in each of the past 5 years.
  • Of the past 5 years PFS 4 years 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 has a Return On Assets of 1.03%. This is in the better half of the industry: PFS outperforms 61.74% of its industry peers.
  • PFS has a Return On Equity of 9.26%. This is comparable to the rest of the industry: PFS outperforms 53.56% of its industry peers.
Industry RankSector Rank
ROA 1.03%
ROE 9.26%
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 better Profit Margin (30.13%) than 77.04% 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) 30.13%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • PFS has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PFS has more shares outstanding
  • The debt/assets ratio for PFS is higher compared to a year ago.
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 0.84, which is an excellent value as it means it would take PFS, only 0.84 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.84, PFS is in the better half of the industry, outperforming 72.03% of the companies in the same industry.
  • PFS has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • 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 0.84
Altman-Z N/A
ROIC/WACCN/A
WACC11.26%
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 100M 200M 300M 400M 500M

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

7

3. PFS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 112.38% over the past year.
  • The Earnings Per Share has been growing by 9.92% on average over the past years. This is quite good.
  • PFS shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.29%.
  • PFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.72% yearly.
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

  • PFS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.31% yearly.
  • PFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.71% yearly.
EPS Next Y7.52%
EPS Next 2Y8.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.1%
Revenue Next 2Y11.71%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past 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

  • The Price/Earnings ratio is 9.38, which indicates a very decent valuation of PFS.
  • Based on the Price/Earnings ratio, PFS is valued cheaply inside the industry as 82.85% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of PFS to the average of the S&P500 Index (26.29), we can say PFS is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.72, the valuation of PFS can be described as reasonable.
  • 79.68% of the companies in the same industry are more expensive than PFS, based on the Price/Forward Earnings ratio.
  • PFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.57.
Industry RankSector Rank
PE 9.38
Fwd PE 8.72
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 93.40% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.5
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

  • PFS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)0.95
EPS Next 2Y8.31%
EPS Next 3YN/A

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

7

5. PFS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.52%, PFS is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.73, PFS pays a better dividend. On top of this PFS pays more dividend than 85.49% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, PFS pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.52%

5.2 History

  • The dividend of PFS decreases each year by -2.34%.
  • PFS has been paying a dividend for at least 10 years, so it has 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)-2.34%
Div Incr Years0
Div Non Decr Years11
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

  • 49.55% of the earnings are spent on dividend by PFS. This is a bit on the high side, but may be sustainable.
DP49.55%
EPS Next 2Y8.31%
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 (3/6/2026, 8:04:00 PM)

After market: 20.5625 -0.36 (-1.71%)

20.92

-0.33 (-1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-22
Inst Owners73.86%
Inst Owner Change0.59%
Ins Owners2.44%
Ins Owner Change-11.29%
Market Cap2.73B
Revenue(TTM)870.40M
Net Income(TTM)256.25M
Analysts80
Price Target25.09 (19.93%)
Short Float %3.57%
Short Ratio5.17
Dividend
Industry RankSector Rank
Dividend Yield 4.52%
Yearly Dividend0.98
Dividend Growth(5Y)-2.34%
DP49.55%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.09%
Min EPS beat(2)0.53%
Max EPS beat(2)9.64%
EPS beat(4)3
Avg EPS beat(4)-3.41%
Min EPS beat(4)-27.02%
Max EPS beat(4)9.64%
EPS beat(8)5
Avg EPS beat(8)-19.26%
EPS beat(12)7
Avg EPS beat(12)-12.96%
EPS beat(16)10
Avg EPS beat(16)-7.87%
Revenue beat(2)0
Avg Revenue beat(2)-3.48%
Min Revenue beat(2)-3.67%
Max Revenue beat(2)-3.29%
Revenue beat(4)0
Avg Revenue beat(4)-2.63%
Min Revenue beat(4)-3.67%
Max Revenue beat(4)-0.93%
Revenue beat(8)3
Avg Revenue beat(8)0.66%
Revenue beat(12)4
Avg Revenue beat(12)-1.05%
Revenue beat(16)8
Avg Revenue beat(16)5.09%
PT rev (1m)6.49%
PT rev (3m)8.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.17%
EPS NY rev (3m)0.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.19%
Revenue NY rev (1m)3.39%
Revenue NY rev (3m)3.22%
Valuation
Industry RankSector Rank
PE 9.38
Fwd PE 8.72
P/S 3.21
P/FCF 4.5
P/OCF 4.46
P/B 0.99
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)2.23
EY10.66%
EPS(NY)2.4
Fwd EY11.46%
FCF(TTM)4.65
FCFY22.23%
OCF(TTM)4.69
OCFY22.42%
SpS6.51
BVpS21.18
TBVpS15.13
PEG (NY)1.25
PEG (5Y)0.95
Graham Number32.6
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 9.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.13%
GM N/A
FCFM 71.41%
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 0.84
Debt/EBITDA N/A
Cap/Depr 12.01%
Cap/Sales 0.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 237.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.26%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 2Y8.31%
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 Year18.1%
Revenue Next 2Y11.71%
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 1Y165.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y162.46%
OCF growth 3YN/A
OCF growth 5YN/A

PROVIDENT FINANCIAL SERVICES / PFS 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.


How profitable is PROVIDENT FINANCIAL SERVICES (PFS) stock?

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


Can you provide the financial health for PFS stock?

The financial health rating of PROVIDENT FINANCIAL SERVICES (PFS) is 3 / 10.


Can you provide the expected EPS growth for PFS stock?

The Earnings per Share (EPS) of PROVIDENT FINANCIAL SERVICES (PFS) is expected to grow by 7.52% in the next year.