MARKETSnap
  • Gainers &
    Losers
  • Most Active &
    More
  • 52-Week
    High/Low
  • P/E
    Ratios
    • Large Caps
    • Absolute
    • Total Market PE
  • Stocks
    Performance
    • Large Caps
    • Absolute
  • Industries
    Performance
    • Industry
    • Sector
  • Dividends
  • 📅 Calendar
    • Earnings Calendar
    • Dividends Calendar
    • Economics Calendar
  • 🔧 Tools
    • 💰 Intrinsic Value Calculator
    • 📈 Compounding Calculator
    • 🤖 Stock Pick Screener
  • More
    • Investment Compounding Calculator
    • Commodities
    • Currencies
    • Economic Indicators
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
PFS stock logo

PFS

Provident Financial Services, Inc.

$21.3
0.02
 (0.09%)
Exchange:  NYSE
Market Cap:  2.784B
Shares Outstanding:  61.538M
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. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. The company’s deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. Its loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. The company also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, it provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, the company sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. As of December 31, 2021, it operated 96 full-service branch offices in northern and central New Jersey, as well as in Pennsylvania and New York counties. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

Click to read more…

Revenue Segmentation

MARKETSnap

Log in to continue

Log in to see the complete revenue and geographic breakdown.

Login — it's free

EPS

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

Log in to continue

Log in for the full EPS chart and links to analyst estimates.

Login — it's free
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.

2026/01/28 — 4 quarter 2025

Log in to continue

Log in to read the full transcript and AI-generated earnings summaries.

Login — it's free
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

Log in to continue

Log in to see the income statement and 10 historical years.

Login — it's free

(* 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

Log in to continue

Log in to see the balance sheet and 10 historical years.

Login — it's free

(* All numbers are in thousands)

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

Log in to continue

Log in to see the cash flow statement and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)979,328.888Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,004,450.085Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)989,552.400Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)341,958.661Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)350,730.394Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)345,528.472Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)310,268.815Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)342,588.891Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)333,357.400Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)246,751.723Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)253,081.260Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)249,327.639Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.530Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.630Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.380Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)5Full AccessFull AccessFull AccessFull Access

Log in to continue

Log in and subscribe to Full Access to see up to 5 years of analyst estimates.

Login — it's free

(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.14B  ?P/S
 (TTM)
: 
2.16
?Net Income
 (TTM)
: 
115.525M  ?P/E
 (TTM)
: 
10.24
?Enterprise Value
 (TTM)
: 
5.292B  ?EV/FCF
 (TTM)
: 
12.33
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.43
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
2.281B  ?Debt/Equity
 (TTM)
: 
0.89
?P/B
 (TTM)
: 
1.05  ?Current Ratio
 (TTM)
: 
0

Log in to continue

Log in to see all key valuation metrics and ratios for this symbol.

Login — it's free

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
9.14Full AccessFull AccessFull AccessFull Access

Log in to continue

Log in with Full Access for forward P/E high/low estimates and the full multi-year table.

Login — it's free

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.

Log in with Full Access for Weaknesses, Opportunities, Threats, and the complete SWOT.

Log in to continue

Log in with Full Access for the complete SWOT analysis.

Login — it's free

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.


Calculate PFS Intrinsic Value

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

0.09
MARKETSnap

Trading Metrics:

Open: 20.99   Previous Close: 21.28
Day Low: 20.89   Day High: 21.32
Year Low: 14.34   Year High: 23.98
Price Avg 50: 21.66   Price Avg 200: 19.77
Volume: 670912   Average Volume: 975654

Log in to continue

Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.

Login — it's free

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…

Open MarketSnap Listen

Log in to continue

Log in to see the full analysis preview and audio links.

Login — it's free

See in Nexus

Relevant news

Eagle Nuclear Energy Engages Drilling Company And Files Permit Applications For PFS-Related Drill Program at Aurora
09-04-2026 08:30
Eagle Nuclear Energy Engages Drilling Company And Files Permit Applications For PFS-Related Drill Program at Aurora
Provident Financial Services (NYSE:PFS) Stock Passes Above 200 Day Moving Average   – What’s Next?
07-04-2026 03:20
Provident Financial Services (NYSE:PFS) Stock Passes Above 200 Day Moving Average – What’s Next?
PDS Biotech Announces Adoption of Amended Protocol for Phase 3 VERSATILE-003 Trial Incorporating Progression Free Survival (PFS) as Primary Endpoint for Interim Analysis and Potential Accelerated Appr
20-02-2026 08:30
PDS Biotech Announces Adoption of Amended Protocol for Phase 3 VERSATILE-003 Trial Incorporating Progression Free Survival (PFS) as Primary Endpoint for Interim Analysis and Potential Accelerated Appr
Scandium Canada Mandates Engineering Firm Norda Stelo to Lead the Pre-Feasibility Study for the Crater Lake Project
06-02-2026 09:30
Scandium Canada Mandates Engineering Firm Norda Stelo to Lead the Pre-Feasibility Study for the Crater Lake Project
Provident Financial (PFS) Upgraded to Buy: Here's What You Should Know
29-01-2026 13:01
Provident Financial (PFS) Upgraded to Buy: Here's What You Should Know
Stonegate Capital Partners Updates Coverage on Provident Financial Services Inc (PFS) 2025 Q4
29-01-2026 09:43
Stonegate Capital Partners Updates Coverage on Provident Financial Services Inc (PFS) 2025 Q4

DISCLAIMER: The stock market data provided on this website is for informational purposes only and is not intended for trading purposes. While we strive to provide accurate and timely information, we cannot guarantee that the information is accurate at the moment it is received or that it will continue to be accurate in the future. We are not responsible for any actions taken based on the information provided on this website. Always consult with a licensed financial professional before making any investment decisions.
Terms of Service

Copyright © 2025 MarketSnap. All rights reserved.

Contact Us

Privacy Policy

Cookie Policy

Terms of Service

Hover Image
MARKETSnap

Market

🇺🇸 United States
  • Gainers & Losers
  • Most Active & More
  • 52-Week High/Low
  • Dividends
    • Large Caps
    • Absolute
    • Total Market PE
    • Large Caps
    • Absolute
    • Industry
    • Sector
    • Earnings Calendar
    • Dividends Calendar
    • Economics Calendar
  • 💰 Stock intrinsic value Calculator
  • 📈 Investment Compounding Calculator
  • 🤖 Stock Pick Screener
  • 📋 Watchlist & Portfolio
    • Commodities
    • Currencies
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
  • Nexus
  • Login Login
  • Profile Profile
  • Watchlists Watchlists
  • My Valuations My Valuations
  • Settings Settings

Media

Watch Listen Read