PROVIDENT FINANCIAL SERVICES(NYSE:PFS) stock Fundamental Analysis

Fundamental Rating

PFS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of PFS have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on PFS.

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1. Profitability

1.1 Basic Checks

PFS had positive earnings in the past year.

PFS had a positive operating cash flow in the past year.

In the past 5 years PFS has always been profitable.

In the past 5 years PFS always reported a positive cash flow from operatings.

1.2 Ratios

PFS has a Return On Assets of 0.48%. This is in the lower half of the industry: PFS underperforms 74.87% of its industry peers.

PFS has a Return On Equity of 4.44%. This is amonst the worse of the industry: PFS underperforms 80.90% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.48%
ROE	4.44%
ROIC	N/A

ROA(3y)0.89%

ROA(5y)0.93%

ROE(3y)7.68%

ROE(5y)7.78%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

PFS's Profit Margin of 16.63% is on the low side compared to the rest of the industry. PFS is outperformed by 72.36% of its industry peers.

In the last couple of years the Profit Margin of PFS has declined.

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)	16.63%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-23.46%

PM growth 5Y-11.78%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PFS does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, PFS has more shares outstanding

Compared to 5 years ago, PFS has more shares outstanding

Compared to 1 year ago, PFS has an improved debt to assets ratio.

2.2 Solvency

PFS has a debt to FCF ratio of 1.21. This is a very positive value and a sign of high solvency as it would only need 1.21 years to pay back of all of its debts.

PFS has a better Debt to FCF ratio (1.21) than 68.09% of its industry peers.

PFS has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.

PFS has a Debt to Equity ratio of 0.20. This is comparable to the rest of the industry: PFS outperforms 46.23% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.21
Altman-Z	N/A

ROIC/WACCN/A

WACC11.88%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for PFS have decreased strongly by -34.50% in the last year.

PFS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.71% yearly.

PFS shows a strong growth in Revenue. In the last year, the Revenue has grown by 44.95%.

The Revenue has been growing by 13.94% on average over the past years. This is quite good.

EPS 1Y (TTM)-34.5%

EPS 3Y-21.73%

EPS 5Y-9.71%

EPS Q2Q%16.28%

Revenue 1Y (TTM)44.95%

Revenue growth 3Y15.34%

Revenue growth 5Y13.94%

Sales Q2Q%122.87%

3.2 Future

Based on estimates for the next years, PFS will show a very strong growth in Earnings Per Share. The EPS will grow by 48.79% on average per year.

PFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.34% yearly.

EPS Next Y98.31%

EPS Next 2Y48.79%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year26.04%

Revenue Next 2Y16.34%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 stable.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.77, which indicates a correct valuation of PFS.

69.35% of the companies in the same industry are cheaper than PFS, based on the Price/Earnings ratio.

PFS is valuated rather cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.

PFS is valuated cheaply with a Price/Forward Earnings ratio of 7.11.

Based on the Price/Forward Earnings ratio, PFS is valued cheaper than 87.69% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.38. PFS is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	14.77
Fwd PE	7.11

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PFS is valued cheaply inside the industry as 92.46% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.08
EV/EBITDA	N/A

4.3 Compensation for Growth

PFS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PFS's earnings are expected to grow with 48.79% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.15

PEG (5Y)N/A

EPS Next 2Y48.79%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.69%, PFS is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.54, PFS pays a better dividend. On top of this PFS pays more dividend than 91.21% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.47, PFS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.69%

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 their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-2.34%

Div Incr Years0

Div Non Decr Years11

5.3 Sustainability

87.39% of the earnings are spent on dividend by PFS. This is not a sustainable payout ratio.

DP87.39%

EPS Next 2Y48.79%

EPS Next 3YN/A

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PROVIDENT FINANCIAL SERVICES

NYSE:PFS (4/25/2025, 8:04:00 PM)

After market: 16.54 0 (0%)

16.54

-0.34 (-2.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners69.81%

Inst Owner Change0.55%

Ins Owners2.82%

Ins Owner Change0.65%

Market Cap2.16B

Analysts78

Price Target23.29 (40.81%)

Short Float %2.54%

Short Ratio4.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.69%

Yearly Dividend0.98

Dividend Growth(5Y)-2.34%

DP87.39%

Div Incr Years0

Div Non Decr Years11

Ex-Date02-14 2025-02-14 (0.24)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-25.75%

Min EPS beat(2)-27.02%

Max EPS beat(2)-24.48%

EPS beat(4)1

Avg EPS beat(4)-43.83%

Min EPS beat(4)-130.77%

Max EPS beat(4)6.97%

EPS beat(8)3

Avg EPS beat(8)-21.58%

EPS beat(12)6

Avg EPS beat(12)-11.97%

EPS beat(16)10

Avg EPS beat(16)-4.15%

Revenue beat(2)0

Avg Revenue beat(2)-2.9%

Min Revenue beat(2)-3.18%

Max Revenue beat(2)-2.62%

Revenue beat(4)2

Avg Revenue beat(4)3.1%

Min Revenue beat(4)-3.18%

Max Revenue beat(4)18.19%

Revenue beat(8)3

Avg Revenue beat(8)-2.35%

Revenue beat(12)7

Avg Revenue beat(12)5.57%

Revenue beat(16)11

Avg Revenue beat(16)9.66%

PT rev (1m)-1.44%

PT rev (3m)-5.52%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-4.47%

EPS NY rev (1m)0%

EPS NY rev (3m)-3.43%

Revenue NQ rev (1m)-0.05%

Revenue NQ rev (3m)-1.6%

Revenue NY rev (1m)-0.06%

Revenue NY rev (3m)-1.06%

Valuation

		Industry Rank	Sector Rank
PE	14.77
Fwd PE	7.11
P/S	3.11
P/FCF	5.08
P/OCF	5.06
P/B	0.83
P/tB	1.21
EV/EBITDA	N/A

EPS(TTM)1.12

EY6.77%

EPS(NY)2.32

Fwd EY14.05%

FCF(TTM)3.26

FCFY19.69%

OCF(TTM)3.27

OCFY19.75%

SpS5.32

BVpS19.93

TBVpS13.66

PEG (NY)0.15

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.48%
ROE	4.44%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.63%
GM	N/A
FCFM	61.19%

ROA(3y)0.89%

ROA(5y)0.93%

ROE(3y)7.68%

ROE(5y)7.78%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-23.46%

PM growth 5Y-11.78%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.21
Debt/EBITDA	N/A
Cap/Depr	2.39%
Cap/Sales	0.19%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	367.95%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC11.88%

ROIC/WACCN/A

Cap/Depr(3y)25.29%

Cap/Depr(5y)60.18%

Cap/Sales(3y)1.2%

Cap/Sales(5y)2%

Profit Quality(3y)201.95%

Profit Quality(5y)157.77%

High Growth Momentum

Growth

EPS 1Y (TTM)-34.5%

EPS 3Y-21.73%

EPS 5Y-9.71%

EPS Q2Q%16.28%

EPS Next Y98.31%

EPS Next 2Y48.79%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)44.95%

Revenue growth 3Y15.34%

Revenue growth 5Y13.94%

Sales Q2Q%122.87%

Revenue Next Year26.04%

Revenue Next 2Y16.34%

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 1Y156.21%

FCF growth 3Y43.32%

FCF growth 5Y26.35%

OCF growth 1Y145.9%

OCF growth 3Y39.17%

OCF growth 5Y25.51%

PROVIDENT FINANCIAL SERVICES (PFS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens