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Provident Financial Services (DE:PQ3)
FRANKFURT:PQ3
PQ3 Stock Chart & Stats
€18.50
-€0.10(-0.56%)
At close: 4:00 PM EST
€18.50
-€0.10(-0.56%)
Day’s Range― - ―
52-Week Range€12.90 - €19.90
Previous CloseN/A
Volume0.00
Average Volume (3M)30.00
Market Cap
€2.53B
Enterprise Value€5.32B
Total Cash (Recent Filing)€3.38B
Total Debt (Recent Filing)€2.52B
Price to Earnings (P/E)―
Beta0.65
Next Earnings
Apr 24, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.54
Shares Outstanding130,622,390
10 Day Avg. Volume55
30 Day Avg. Volume30
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)0.91
Price to Sales (P/S)1.87
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€20.69Price Target Upside11.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong ProfitabilityHigh net and EBITDA margins reflect durable operating efficiency and pricing power in core banking activities. Sustained profitability supports internal capital generation, funds reinvestment, and shareholder returns, helping the franchise absorb revenue volatility and invest in growth initiatives.
Stable Deposits & Loan PipelineRobust core deposit growth and a multi-quarter loan pipeline provide stable, low-cost funding and forward origination visibility. This supports medium-term net interest income expansion and reduces reliance on volatile wholesale funding, strengthening the bank's lending franchise durability.
Cash Generation & Capital ReturnsHealthy free cash flow conversion and management's authorization of additional buybacks plus a steady dividend reflect strong cash generation and capital formation. This gives flexibility to return capital or reinvest, underpinning shareholder returns and strategic investments over the medium term.
Bears Say
TTM Revenue DeclineA trailing‑twelve‑month revenue contraction suggests underlying top‑line pressure that could limit sustainable earnings growth. If revenue stagnation persists, the bank will increasingly rely on margin expansion and fee businesses, raising execution risk and sensitivity to macro and competitive shifts.
Competitive Pressure On Lending MarginsManagement cited heightened competition, particularly in commercial real estate, which can persistently compress loan yields and net interest margin. Long‑term margin sustainability will depend on fee diversification, disciplined underwriting, and pricing power versus peers in competitive markets.
CFO Retirement / Leadership TransitionThe planned CFO departure introduces medium‑term execution and continuity risk given his long tenure and role in balance‑sheet expansion. A transition could affect capital allocation, merger integration and financial reporting consistency unless the successor maintains strategic continuity and institutional knowledge.
Provident Financial Services News
PQ3 FAQ
What was Provident Financial Services’s price range in the past 12 months?
Provident Financial Services lowest stock price was €12.90 and its highest was €19.90 in the past 12 months.
What is Provident Financial Services’s market cap?
Provident Financial Services’s market cap is €2.53B.
When is Provident Financial Services’s upcoming earnings report date?
Provident Financial Services’s upcoming earnings report date is Apr 24, 2026 which is in 65 days.
How were Provident Financial Services’s earnings last quarter?
Provident Financial Services released its earnings results on Jan 28, 2026. The company reported €0.54 earnings per share for the quarter, beating the consensus estimate of €0.469 by €0.072.
Is Provident Financial Services overvalued?
According to Wall Street analysts Provident Financial Services’s price is currently Undervalued.
Does Provident Financial Services pay dividends?
Provident Financial Services does not currently pay dividends.
What is Provident Financial Services’s EPS estimate?
Provident Financial Services’s EPS estimate is 0.47.
How many shares outstanding does Provident Financial Services have?
Provident Financial Services has 130,622,390 shares outstanding.
What happened to Provident Financial Services’s price movement after its last earnings report?
Provident Financial Services reported an EPS of €0.54 in its last earnings report, beating expectations of €0.469. Following the earnings report the stock price went up 4.442%.
Which hedge fund is a major shareholder of Provident Financial Services?
Currently, no hedge funds are holding shares in DE:PQ3
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Provident Financial Services Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€20.69 (11.82% Upside)
€20.69 (11.82% Upside)
Blogger Sentiment
Bullish
DE:PQ3 Sentiment 66%
Sector Average 71%
Sector Average 71%
Insider Transactions
Sold Shares
Worth $24.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
29.07%
12-Months-Change
Fundamentals
Return on Equity
10.72%
Trailing 12-Months
Asset Growth
3.64%
Trailing 12-Months
Company Description
Provident Financial Services
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.
PQ3 Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated strong operating momentum with record revenues, expanding core profitability, robust loan production, improved asset quality and capital build (supporting buybacks). Headwinds include heightened deposit competition, reserve/model sensitivity, elevated payoffs that partially offset production, modest margin pressure from purchase accounting accretion, and planned near-term operating and conversion expenses. Management provided constructive 2026 guidance (loan/deposit growth of 4–6%, continued NIM expansion and mid‑teens ROTCE target) indicating confidence in sustaining growth despite the noted challenges.View all DE:PQ3 earnings summariesPQ3 Stock 12 Month Forecast
Average Price Target
€20.69
▲(11.82% Upside)
Technical Analysis
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Options Prices
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