PROVIDENT FINANCIAL SERVICES (PFS) Fundamental Analysis & Valuation

NYSE:PFS • US74386T1051

Current stock price

20.59 USD
-0.33 (-1.58%)
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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.
  • In the past year PFS had a positive cash flow from operations.
  • In the past 5 years PFS has always been profitable.
  • In the past 5 years PFS always reported a positive cash flow from operatings.
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 71.32% 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 63.95% 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 better Profit Margin (33.45%) than 86.05% of its industry peers.
  • In the last couple of years the Profit Margin of PFS has grown nicely.
  • 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.
  • Compared to 5 years ago, PFS has more shares outstanding
  • The debt/assets ratio for PFS has been reduced 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

  • PFS has a debt to FCF ratio of 1.16. This is a very positive value and a sign of high solvency as it would only need 1.16 years to pay back of all of its debts.
  • PFS has a Debt to FCF ratio of 1.16. This is in the better half of the industry: PFS outperforms 64.21% of its industry peers.
  • PFS has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.18, PFS is in line with its industry, outperforming 50.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.16
Altman-Z N/A
ROIC/WACCN/A
WACC12.32%
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

  • 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.
  • The Revenue has grown by 25.29% in the past year. This is a very strong growth!
  • The Revenue has been growing by 17.72% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, PFS will show a small growth in Earnings Per Share. The EPS will grow by 7.47% on average per year.
  • PFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.75% yearly.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • Based on the Price/Earnings ratio of 9.23, the valuation of PFS can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of PFS indicates a rather cheap valuation: PFS is cheaper than 83.68% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, PFS is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.59, the valuation of PFS can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, PFS is valued a bit cheaper than the industry average as 78.68% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of PFS to the average of the S&P500 Index (22.19), we can say PFS is valued rather cheaply.
Industry RankSector Rank
PE 9.23
Fwd PE 8.59
PFS Price Earnings VS Forward Price EarningsPFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PFS is valued cheaper than 88.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.25
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)1.23
PEG (5Y)0.93
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

  • PFS has a Yearly Dividend Yield of 4.74%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.78, PFS pays a better dividend. On top of this PFS pays more dividend than 89.47% of the companies listed in the same industry.
  • PFS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 4.74%

5.2 History

  • The dividend of PFS has a limited annual growth rate of 1.08%.
  • 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)1.08%
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

  • PFS pays out 43.24% of its income as dividend. 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 (3/27/2026, 8:04:00 PM)

After market: 20.59 0 (0%)

20.59

-0.33 (-1.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-22
Inst Owners73.86%
Inst Owner Change0.62%
Ins Owners2.44%
Ins Owner Change-10.46%
Market Cap2.69B
Revenue(TTM)870.40M
Net Income(TTM)291.16M
Analysts80
Price Target25.09 (21.86%)
Short Float %3.41%
Short Ratio4.65
Dividend
Industry RankSector Rank
Dividend Yield 4.74%
Yearly Dividend0.96
Dividend Growth(5Y)1.08%
DP43.24%
Div Incr Years0
Div Non Decr Years11
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%
PT rev (3m)8.37%
EPS NQ rev (1m)-0.59%
EPS NQ rev (3m)-0.95%
EPS NY rev (1m)0%
EPS NY rev (3m)0.59%
Revenue NQ rev (1m)-3.66%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)-3.93%
Revenue NY rev (3m)-0.74%
Valuation
Industry RankSector Rank
PE 9.23
Fwd PE 8.59
P/S 3.09
P/FCF 6.25
P/OCF 6.08
P/B 0.95
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)2.23
EY10.83%
EPS(NY)2.4
Fwd EY11.65%
FCF(TTM)3.3
FCFY16.01%
OCF(TTM)3.38
OCFY16.43%
SpS6.66
BVpS21.68
TBVpS15.69
PEG (NY)1.23
PEG (5Y)0.93
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
WACC12.32%
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.


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.