PROVIDENT FINANCIAL SERVICES (PFS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PFS - US74386T1051 - Common Stock
20.255 USD
+0.11 (+0.52%)
Overall PFS gets a fundamental rating of 5 out of 10. We evaluated PFS against 387 industry peers in the Banks industry. PFS has a bad profitability rating. Also its financial health evaluation is rather negative. An interesting combination arises when we look at growth and value: PFS is growing strongly while it also seems undervalued. Finally 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.
Each year in the past 5 years PFS has been profitable.
Each year in the past 5 years PFS had a positive operating cash flow.
1.2 Ratios
PFS has a better Return On Assets (1.03%) than 63.31% of its industry peers.
PFS has a Return On Equity (9.26%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 9.26% | ||
| 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 has a better Profit Margin (30.13%) than 79.07% of its industry peers.
PFS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for PFS so they could not be analyzed.
| 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-23.46%
PM growth 5Y-11.78%
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.
The number of shares outstanding for PFS has been increased compared to 1 year ago.
The number of shares outstanding for PFS has been increased compared to 5 years ago.
The debt/assets ratio for PFS has been reduced compared to a year ago.
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.
PFS has a Debt to FCF ratio of 0.84. This is in the better half of the industry: PFS outperforms 71.58% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that PFS is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.18, PFS is in line with its industry, outperforming 46.51% 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
WACC11.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 75.00%, which is quite impressive.
Measured over the past years, PFS shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.71% on average per year.
The Revenue has grown by 40.93% in the past year. This is a very strong growth!
The Revenue has been growing by 13.94% on average over the past years. This is quite good.
EPS 1Y (TTM)75%
EPS 3Y-21.73%
EPS 5Y-9.71%
EPS Q2Q%52.78%
Revenue 1Y (TTM)40.93%
Revenue growth 3Y15.34%
Revenue growth 5Y13.94%
Sales Q2Q%5.79%
3.2 Future
PFS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.21% yearly.
The Revenue is expected to grow by 15.64% on average over the next years. This is quite good.
EPS Next Y106.81%
EPS Next 2Y51.24%
EPS Next 3Y35.21%
EPS Next 5YN/A
Revenue Next Year25.83%
Revenue Next 2Y19.89%
Revenue Next 3Y15.64%
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 accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
PFS is valuated reasonably with a Price/Earnings ratio of 10.33.
Based on the Price/Earnings ratio, PFS is valued a bit cheaper than the industry average as 79.07% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.87. PFS is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.43, the valuation of PFS can be described as very reasonable.
Based on the Price/Forward Earnings ratio, PFS is valued cheaper than 83.98% of the companies in the same industry.
PFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 8.43 |
4.2 Price Multiples
PFS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PFS is cheaper than 93.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 35.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y51.24%
EPS Next 3Y35.21%
5. Dividend
5.1 Amount
PFS has a Yearly Dividend Yield of 4.86%, which is a nice return.
PFS's Dividend Yield is rather good when compared to the industry average which is at 2.78. PFS pays more dividend than 89.15% of the companies in the same industry.
PFS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.86% |
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 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
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 2Y51.24%
EPS Next 3Y35.21%
NYSE:PFS (1/6/2026, 2:43:06 PM)
20.255
+0.11 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.08%
Inst Owner Change0%
Ins Owners2.62%
Ins Owner Change-11.47%
Market Cap2.65B
Revenue(TTM)850.59M
Net Income(TTM)256.25M
Analysts82.22
Price Target23.56 (16.32%)
Short Float %3.02%
Short Ratio4.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.86% |
Yearly Dividend0.98
Dividend Growth(5Y)-2.34%
DP49.55%
Div Incr Years0
Div Non Decr Years11
Ex-DateN/A
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)1.76%
PT rev (3m)3.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.71%
EPS NY rev (1m)0.28%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.19%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 8.43 | ||
| P/S | 3.11 | ||
| P/FCF | 4.36 | ||
| P/OCF | 4.32 | ||
| P/B | 0.96 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.96
EY9.68%
EPS(NY)2.4
Fwd EY11.86%
FCF(TTM)4.65
FCFY22.96%
OCF(TTM)4.69
OCFY23.15%
SpS6.51
BVpS21.18
TBVpS15.13
PEG (NY)0.1
PEG (5Y)N/A
Graham Number30.56
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)0.89%
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
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-23.46%
PM growth 5Y-11.78%
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
WACC11.43%
ROIC/WACCN/A
Cap/Depr(3y)46.38%
Cap/Depr(5y)72.83%
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)75%
EPS 3Y-21.73%
EPS 5Y-9.71%
EPS Q2Q%52.78%
EPS Next Y106.81%
EPS Next 2Y51.24%
EPS Next 3Y35.21%
EPS Next 5YN/A
Revenue 1Y (TTM)40.93%
Revenue growth 3Y15.34%
Revenue growth 5Y13.94%
Sales Q2Q%5.79%
Revenue Next Year25.83%
Revenue Next 2Y19.89%
Revenue Next 3Y15.64%
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 1Y274.74%
FCF growth 3Y43.32%
FCF growth 5Y26.35%
OCF growth 1Y261.38%
OCF growth 3Y39.17%
OCF growth 5Y25.51%
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 8 / 10 to PROVIDENT FINANCIAL SERVICES (PFS). This can be considered as Undervalued.
How profitable is PROVIDENT FINANCIAL SERVICES (PFS) stock?
PROVIDENT FINANCIAL SERVICES (PFS) has a profitability rating of 3 / 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 106.81% in the next year.