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PROVIDENT FINANCIAL SERVICES (PFS) Stock Fundamental Analysis

NYSE:PFS - US74386T1051 - Common Stock

19.88 USD
+0.18 (+0.91%)
Last: 8/26/2025, 4:59:09 PM
20.27 USD
+0.39 (+1.96%)
After Hours: 8/26/2025, 4:59:09 PM
Fundamental Rating

5

Overall PFS gets a fundamental rating of 5 out of 10. We evaluated PFS against 393 industry peers in the Banks industry. PFS may be in some trouble as it scores bad on both profitability and health. PFS is growing strongly while it also seems undervalued. This is an interesting combination PFS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PFS was profitable.
PFS had a positive operating cash flow in the past year.
In the past 5 years PFS has always been profitable.
Each year in the past 5 years PFS had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.94%, PFS is in line with its industry, outperforming 58.02% of the companies in the same industry.
PFS has a Return On Equity of 8.53%. This is comparable to the rest of the industry: PFS outperforms 52.42% of its industry peers.
Industry RankSector 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
PFS Yearly ROA, ROE, ROICPFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PFS has a better Profit Margin (27.51%) than 73.03% 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 RankSector 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
PFS Yearly Profit, Operating, Gross MarginsPFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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
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.
PFS Yearly Shares OutstandingPFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PFS Yearly Total Debt VS Total AssetsPFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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.
Looking at the Debt to FCF ratio, with a value of 0.87, PFS is in the better half of the industry, outperforming 75.32% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that PFS is not too dependend on debt financing.
The Debt to Equity ratio of PFS (0.19) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.87
Altman-Z N/A
ROIC/WACCN/A
WACC11.62%
PFS Yearly LT Debt VS Equity VS FCFPFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 51.28% over the past year.
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 65.05% in the past year. This is a very strong growth!
PFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.94% yearly.
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.
The Revenue is expected to grow by 19.95% on average over the next years. This is quite good.
EPS Next Y105.53%
EPS Next 2Y51.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year30.37%
Revenue Next 2Y19.95%
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.
PFS Yearly Revenue VS EstimatesPFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
PFS Yearly EPS VS EstimatesPFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.23, the valuation of PFS can be described as very reasonable.
Based on the Price/Earnings ratio, PFS is valued a bit cheaper than 69.97% of the companies in the same industry.
PFS is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
PFS is valuated reasonably with a Price/Forward Earnings ratio of 8.29.
82.44% of the companies in the same industry are more expensive than PFS, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.63. PFS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.23
Fwd PE 8.29
PFS Price Earnings VS Forward Price EarningsPFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PFS is valued cheaper than 93.38% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.49
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PFS's earnings are expected to grow with 51.15% in the coming years.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y51.15%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.11%, PFS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.30, PFS pays a better dividend. On top of this PFS pays more dividend than 89.57% 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 2.34.
Industry RankSector Rank
Dividend Yield 5.11%

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
PFS Yearly Dividends per sharePFS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

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
PFS Yearly Income VS Free CF VS DividendPFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
PFS Dividend Payout.PFS Dividend Payout, showing the Payout Ratio.PFS Dividend Payout.PayoutRetained Earnings

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PROVIDENT FINANCIAL SERVICES

NYSE:PFS (8/26/2025, 4:59:09 PM)

After market: 20.27 +0.39 (+1.96%)

19.88

+0.18 (+0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-27 2025-10-27/amc
Inst Owners70.69%
Inst Owner Change3.05%
Ins Owners2.99%
Ins Owner Change1.76%
Market Cap2.60B
Analysts80
Price Target22.51 (13.23%)
Short Float %2.44%
Short Ratio4.66
Dividend
Industry RankSector Rank
Dividend Yield 5.11%
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)4.04%
PT rev (3m)3.87%
EPS NQ rev (1m)2.52%
EPS NQ rev (3m)1.25%
EPS NY rev (1m)3.64%
EPS NY rev (3m)3.82%
Revenue NQ rev (1m)3.2%
Revenue NQ rev (3m)5.34%
Revenue NY rev (1m)1.03%
Revenue NY rev (3m)3.88%
Valuation
Industry RankSector Rank
PE 11.23
Fwd PE 8.29
P/S 3.09
P/FCF 4.49
P/OCF 4.45
P/B 0.96
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)1.77
EY8.9%
EPS(NY)2.4
Fwd EY12.07%
FCF(TTM)4.43
FCFY22.28%
OCF(TTM)4.47
OCFY22.48%
SpS6.43
BVpS20.73
TBVpS14.6
PEG (NY)0.11
PEG (5Y)N/A
Profitability
Industry RankSector 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
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.87
Debt/EBITDA N/A
Cap/Depr 7.43%
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
WACC11.62%
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)51.28%
EPS 3Y-21.73%
EPS 5Y-9.71%
EPS Q2Q%600%
EPS Next Y105.53%
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 Year30.37%
Revenue Next 2Y19.95%
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%