PFS Fundamental Analysis - PROVIDENT FINANCIAL SERVICES

Fundamental Rating

Overall PFS gets a fundamental rating of 5 out of 10. We evaluated PFS against 391 industry peers in the Banks industry. Both the profitability and financial health of PFS have multiple concerns. PFS is evaluated to be cheap and growing strongly. This does not happen too often! PFS also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year PFS was profitable.

In the past year PFS had a positive cash flow from operations.

Each year in the past 5 years PFS has been profitable.

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

1.2 Ratios

The Return On Assets of PFS (0.94%) is comparable to the rest of the industry.

The Return On Equity of PFS (8.53%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.94%
ROE	8.53%
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 (27.51%) than 71.87% of its industry peers.

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

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)	27.51%
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.

The number of shares outstanding for PFS has been increased compared to 1 year ago.

PFS has more shares outstanding than it did 5 years ago.

The debt/assets ratio for PFS has been reduced compared to a year ago.

2.2 Solvency

PFS has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.

PFS's Debt to FCF ratio of 0.87 is fine compared to the rest of the industry. PFS outperforms 73.15% of its industry peers.

PFS has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.

PFS has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	0.87
Altman-Z	N/A

ROIC/WACCN/A

WACC11.61%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 51.28% over the past year.

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

Looking at the last year, PFS shows a very strong growth in Revenue. The Revenue has grown by 65.05%.

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

EPS 1Y (TTM)51.28%

EPS 3Y-21.73%

EPS 5Y-9.71%

EPS Q2Q%600%

Revenue 1Y (TTM)65.05%

Revenue growth 3Y15.34%

Revenue growth 5Y13.94%

Sales Q2Q%32.22%

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 51.15% on average per year.

PFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.37% yearly.

EPS Next Y106.49%

EPS Next 2Y51.15%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year26.2%

Revenue Next 2Y18.37%

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 accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.46 indicates a reasonable valuation of PFS.

Compared to the rest of the industry, the Price/Earnings ratio of PFS indicates a somewhat cheap valuation: PFS is cheaper than 65.98% of the companies listed in the same industry.

PFS is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.

PFS is valuated cheaply with a Price/Forward Earnings ratio of 7.72.

Compared to the rest of the industry, the Price/Forward Earnings ratio of PFS indicates a rather cheap valuation: PFS is cheaper than 82.86% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.33, PFS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.46
Fwd PE	7.72

4.2 Price Multiples

93.61% 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	4.18
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 51.15% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.1

PEG (5Y)N/A

EPS Next 2Y51.15%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PFS has a Yearly Dividend Yield of 5.37%, which is a nice return.

PFS's Dividend Yield is rather good when compared to the industry average which is at 3.55. PFS pays more dividend than 87.21% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.35, PFS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.37%

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

55.00% of the earnings are spent on dividend by PFS. This is a bit on the high side, but may be sustainable.

DP55%

EPS Next 2Y51.15%

EPS Next 3YN/A

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PROVIDENT FINANCIAL SERVICES

NYSE:PFS (10/23/2025, 7:25:59 PM)

After market: 18.52 0 (0%)

18.52

-0.3 (-1.59%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)10-29 2025-10-29/amc

Inst Owners72.17%

Inst Owner Change0.07%

Ins Owners2.96%

Ins Owner Change-11.96%

Market Cap2.42B

Revenue(TTM)839.40M

Net Income(TTM)230.94M

Analysts80

Price Target22.66 (22.35%)

Short Float %2.7%

Short Ratio5.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.37%

Yearly Dividend0.98

Dividend Growth(5Y)-2.34%

DP55%

Div Incr Years0

Div Non Decr Years11

Ex-Date08-15 2025-08-15 (0.24)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.43%

Min EPS beat(2)3.22%

Max EPS beat(2)9.64%

EPS beat(4)2

Avg EPS beat(4)-9.66%

Min EPS beat(4)-27.02%

Max EPS beat(4)9.64%

EPS beat(8)5

Avg EPS beat(8)-18.54%

EPS beat(12)6

Avg EPS beat(12)-13.03%

EPS beat(16)10

Avg EPS beat(16)-7.63%

Revenue beat(2)0

Avg Revenue beat(2)-2.3%

Min Revenue beat(2)-3.67%

Max Revenue beat(2)-0.93%

Revenue beat(4)0

Avg Revenue beat(4)-2.6%

Min Revenue beat(4)-3.67%

Max Revenue beat(4)-0.93%

Revenue beat(8)3

Avg Revenue beat(8)-0.64%

Revenue beat(12)5

Avg Revenue beat(12)1.67%

Revenue beat(16)9

Avg Revenue beat(16)6.82%

PT rev (1m)0%

PT rev (3m)4.71%

EPS NQ rev (1m)-0.09%

EPS NQ rev (3m)2.75%

EPS NY rev (1m)0.47%

EPS NY rev (3m)4.12%

Revenue NQ rev (1m)-0.43%

Revenue NQ rev (3m)0.25%

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)-2.2%

Valuation

		Industry Rank	Sector Rank
PE	10.46
Fwd PE	7.72
P/S	2.88
P/FCF	4.18
P/OCF	4.14
P/B	0.89
P/tB	1.27
EV/EBITDA	N/A

EPS(TTM)1.77

EY9.56%

EPS(NY)2.4

Fwd EY12.95%

FCF(TTM)4.43

FCFY23.92%

OCF(TTM)4.47

OCFY24.13%

SpS6.43

BVpS20.73

TBVpS14.6

PEG (NY)0.1

PEG (5Y)N/A

Graham Number28.73

Profitability

		Industry Rank	Sector Rank
ROA	0.94%
ROE	8.53%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.51%
GM	N/A
FCFM	68.93%

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	0.19
Debt/FCF	0.87
Debt/EBITDA	N/A
Cap/Depr	10.48%
Cap/Sales	0.61%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	250.55%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC11.61%

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)51.28%

EPS 3Y-21.73%

EPS 5Y-9.71%

EPS Q2Q%600%

EPS Next Y106.49%

EPS Next 2Y51.15%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)65.05%

Revenue growth 3Y15.34%

Revenue growth 5Y13.94%

Sales Q2Q%32.22%

Revenue Next Year26.2%

Revenue Next 2Y18.37%

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 1Y226.04%

FCF growth 3Y43.32%

FCF growth 5Y26.35%

OCF growth 1Y217.44%

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