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PFS stock logo

PFS

Provident Financial Services, Inc.

$23.22
0.26
 (1.11%)
Exchange:  NYSE
Market Cap:  3.025B
Shares Outstanding:  61.538M
Delayed data
Calculate PFS Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Anthony J. Labozzetta
Full Time Employees:  1753
Address: 
239 Washington Street
Jersey City
NJ
7302
US
Website:  https://www.provident.bank
Provident Financial Services, Inc. functions as the parent company for Provident Bank, delivering a broad spectrum of financial products and services to individuals, families, and businesses across the United States. Its deposit offerings encompass various account types, including savings, standard and interest-bearing checking accounts, money market accounts, certificates of deposit, and IRA products. The company’s extensive loan portfolio features commercial real estate loans, which are collateralized by properties such as multi-family apartment complexes, office buildings, retail spaces, and industrial sites. It also provides commercial business loans, alongside fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residential properties. Further loan options include commercial construction loans and a range of consumer loans like home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and financing for automobiles and recreational vehicles. Beyond these, Provident delivers essential banking solutions such as cash management, remote deposit capture, payroll origination, escrow account management, and convenient online and mobile banking services, in addition to offering business credit cards. The company also extends wealth management services, covering investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. In a broader capacity, Provident sells insurance and investment products, including annuities. It also operates as a real estate investment trust (REIT), focused on acquiring mortgage loans and other real estate-related assets, and actively manages and sells properties obtained through foreclosure. As of December 31, 2021, the company maintained 96 full-service branch offices situated across northern and central New Jersey, as well as specific counties in Pennsylvania and New York. Provident Financial Services, Inc. was founded in 1839 and is headquartered in Jersey City, New Jersey.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/30 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue695,6491,140,2511,382,609.999
Gross Profit451,115607,163866,820
EBITDA197,969204,202408,157
Operating Income175,779149,615408,157
Net Income128,398115,525291,160

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets14,210,81024,051,82524,980,710
Total Liabilities12,520,21421,450,61822,147,498
Total Stockholders Equity1,690,5962,601,2072,833,212
Total Debt1,530,7282,422,0432,518,537
Cash and Cash Equivalents180,185205,914211,484

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Cash Flow Statement

Year202320242025
Operating Cash Flow173,396426,3810
Capital Expenditure-7,488-1,3070
Free Cash Flow165,908425,0740
Net Income128,398115,525291,160
Net Change in Cash-6,25325,684-205,939

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)974,801.368Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,004,027.516Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)986,631Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)340,377.757Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)350,582.842Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)344,508.387Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)313,039.480Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)345,647.977Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)330,206.570Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)245,610.969Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)252,974.789Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)248,591.563Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.530Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.650Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.400Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)4Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)5Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.14B  ?P/S
 (TTM)
: 
2.1
?Net Income
 (TTM)
: 
115.525M  ?P/E
 (TTM)
: 
9.58
?Enterprise Value
 (TTM)
: 
5.601B  ?EV/FCF
 (TTM)
: 
13.25
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.41
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
2.281B  ?Debt/Equity
 (TTM)
: 
1.01
?P/B
 (TTM)
: 
1.03  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.84Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Strong Financial Performance: PFS demonstrates robust revenue and net income growth as reported in recent income statements, reflecting operational efficiency and market demand. Key metrics such as gross profit margin TTM and net profit margin TTM indicate a healthy profitability profile compared to industry benchmarks.
  • Positive Free Cash Flow: The cash flow statements highlight a consistent positive free cash flow TTM, supported by strong operating cash flow. This financial flexibility allows PFS to fund innovation and capital expenditures without relying heavily on external financing.
  • Competitive Valuation Metrics: The current price-to-earnings ratio TTM and price-to-sales ratio TTM suggest that PFS is reasonably valued within its sector, potentially offering an attractive entry point for investors when compared to the industry average P/E ratio TTM.
  • Stable Dividend Yield: A consistent dividend yield TTM, as noted in key metrics, provides an appealing return to income-focused investors, reinforcing PFS’s commitment to shareholder value.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PFS intrinsic value between $5.70 – $85.36 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about PFS valuation

Is Provident Financial Services, Inc. (PFS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Provident Financial Services, Inc. (PFS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PFS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PFS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PFS’s P/E ratio?

You can see PFS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PFS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PFS a good long-term investment?

Whether PFS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PFS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.11
MARKETSnap

Trading Metrics:

Open: 23.17   Previous Close: 22.96
Day Low: 23.02   Day High: 23.35
Year Low: 15.92   Year High: 23.98
Price Avg 50: 22.13   Price Avg 200: 20.68
Volume: 225365   Average Volume: 978968

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PFS full analysis

05/09/2025

Welcome to MARKETSNAP’s SWOT analysis for Provident Financial Services, Inc. Hey everyone, I’m thrilled to dive into this financial stock with you today. If you’re looking to build wealth over the long haul, understanding companies like Provident Financial Services—known by its ticker PFS—is key to making informed decisions. Let’s break down what makes this company tick, analyze its current standing, and see where it might be headed for us long-term investors. First off, for those who might not be as…

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