PROVIDENT FINANCIAL SERVICES (PFS) Stock Fundamental Analysis
NYSE:PFS • US74386T1051
21.08 USD
-1.07 (-4.83%)
Last: Feb 27, 2026, 12:25 PM
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. While PFS is still in line with the averages on profitability rating, there are concerns on its financial health. PFS is growing strongly while it is still valued neutral. This is a good combination! PFS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year PFS was profitable.
- PFS had a positive operating cash flow in the past year.
- 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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.03%, PFS is in the better half of the industry, outperforming 62.27% of the companies in the same industry.
- PFS has a Return On Equity of 9.26%. This is comparable to the rest of the industry: PFS outperforms 53.83% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- PFS has a Profit Margin of 30.13%. This is in the better half of the industry: PFS outperforms 77.57% of its industry peers.
- In the last couple of years the Profit Margin of PFS has grown nicely.
- PFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
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.
- The number of shares outstanding for PFS has been increased compared to 5 years ago.
- PFS has a worse debt/assets ratio than last year.
2.2 Solvency
- PFS has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
- The Debt to FCF ratio of PFS (0.84) is better than 71.77% 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.
- With a Debt to Equity ratio value of 0.18, PFS perfoms like the industry average, outperforming 46.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 112.38% over the past year.
- Measured over the past years, PFS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.92% on average per year.
- Looking at the last year, PFS shows a very strong growth in Revenue. 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.45, the valuation of PFS can be described as very reasonable.
- Based on the Price/Earnings ratio, PFS is valued cheaper than 83.64% of the companies in the same industry.
- PFS is valuated cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
- PFS is valuated reasonably with a Price/Forward Earnings ratio of 8.79.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PFS indicates a somewhat cheap valuation: PFS is cheaper than 79.16% of the companies listed in the same industry.
- PFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.45 | ||
| Fwd PE | 8.79 |
4.2 Price Multiples
- 92.61% of the companies in the same industry are more expensive than PFS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.53 | ||
| EV/EBITDA | N/A |
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)1.26
PEG (5Y)0.95
EPS Next 2Y8.31%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.18%, PFS is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.74, PFS pays a better dividend. On top of this PFS pays more dividend than 84.17% 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 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.18% |
5.2 History
- The dividend of PFS decreases each year by -2.34%.
- 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)-2.34%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
- PFS pays out 49.55% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP49.55%
EPS Next 2Y8.31%
EPS Next 3YN/A
NYSE:PFS (2/27/2026, 12:25:08 PM)
21.08
-1.07 (-4.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-22 2026-04-22
Inst Owners73.08%
Inst Owner Change0.59%
Ins Owners2.62%
Ins Owner Change-11.12%
Market Cap2.75B
Revenue(TTM)870.40M
Net Income(TTM)256.25M
Analysts82.5
Price Target25.09 (19.02%)
Short Float %3.16%
Short Ratio4.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.18% |
Yearly Dividend0.98
Dividend Growth(5Y)-2.34%
DP49.55%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-13 2026-02-13 (0.24)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.45 | ||
| Fwd PE | 8.79 | ||
| P/S | 3.24 | ||
| P/FCF | 4.53 | ||
| P/OCF | 4.49 | ||
| P/B | 1 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.23
EY10.58%
EPS(NY)2.4
Fwd EY11.37%
FCF(TTM)4.65
FCFY22.06%
OCF(TTM)4.69
OCFY22.25%
SpS6.51
BVpS21.18
TBVpS15.13
PEG (NY)1.26
PEG (5Y)0.95
Graham Number32.6
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC11.08%
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.