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PFS Stock Chart & Stats
$23.89
$0.12(0.50%)
At close: 4:00 PM EDT
$23.89
$0.12(0.50%)
Day’s Range― - ―
52-Week Range$17.69 - $25.49
Previous CloseN/A
Volume143.12K
Average Volume (3M)1.08M
Market Cap
$3.09B
Enterprise Value$5.73K
Total Cash (Recent Filing)$3.51B
Total Debt (Recent Filing)$2.82B
Price to Earnings (P/E)9.9
Beta0.81
Next Earnings
Oct 23, 2026EPS Estimate
0.62Next Dividend Ex-DateN/A
Dividend Yield4.05%
Share Statistics
EPS (TTM)2.40
Shares Outstanding130,422,620
10 Day Avg. Volume1,005,189
30 Day Avg. Volume1,078,096
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)0.91
Price to Sales (P/S)1.86
P/FCF Ratio5.98
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$29.67Price Target Upside24.18% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)2.46
Revenue Forecast (FY)$922.76M
Bulls Say, Bears Say
Bulls Say
Diversified Revenue GrowthRecord interest and fee revenue, including growth in insurance, wealth management and SBA activities, broadens earnings sources. This diversification can improve resilience by reducing reliance on lending spreads and supporting recurring noninterest income.
Commercial Lending MomentumStrong production, C&I expansion and a sizable relationship-based pipeline support continued asset growth and future net interest income. Management also expects full-year loan growth at the high end of its 5%–6% guidance range.
Improving Capital And Asset QualityHigher tangible capital and low realized charge-offs strengthen the bank’s capacity to absorb credit losses while funding growth. Improved book value and generally healthy asset-quality metrics provide a durable foundation for regional banking operations.
Bears Say
Elevated CRE ConcentrationA high CRE concentration leaves earnings and capital more exposed to property values, refinancing conditions and borrower stress. Even with currently healthy credit metrics, concentration can amplify losses if commercial real estate conditions deteriorate.
Funding Cost PressurePersistent competition for deposits can increase funding costs and compress net interest margins, particularly as the bank targets a loan-to-deposit ratio near the upper end of its range. This challenges the sustainability of margin expansion.
Credit Exposure From Senior HousingThe troubled senior housing relationship creates an identifiable credit risk that may require prolonged resolution and additional reserves. Although management expects no material loss, the exposure raises uncertainty around asset quality and future provisions.
Provident Financial Services News
PFS FAQ
What was Provident Financial Services’s price range in the past 12 months?
Provident Financial Services lowest stock price was $17.69 and its highest was $25.49 in the past 12 months.
What is Provident Financial Services’s market cap?
Provident Financial Services’s market cap is $3.09B.
When is Provident Financial Services’s upcoming earnings report date?
Provident Financial Services’s upcoming earnings report date is Oct 23, 2026 which is in 61 days.
How were Provident Financial Services’s earnings last quarter?
Provident Financial Services released its earnings results on Jul 29, 2026. The company reported $0.6 earnings per share for the quarter, beating the consensus estimate of $0.565 by $0.035.
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 pays a Quarterly dividend of $0.24 which represents an annual dividend yield of 4.05%. See more information on Provident Financial Services dividends here
What is Provident Financial Services’s EPS estimate?
Provident Financial Services’s EPS estimate is 0.62.
How many shares outstanding does Provident Financial Services have?
Provident Financial Services has 130,422,620 shares outstanding.
What happened to Provident Financial Services’s price movement after its last earnings report?
Provident Financial Services reported an EPS of $0.6 in its last earnings report, beating expectations of $0.565. Following the earnings report the stock price went up 3.28%.
Which hedge fund is a major shareholder of Provident Financial Services?
Currently, no hedge funds are holding shares in PFS
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$29.67 (24.18% Upside)
$29.67 (24.18% Upside)
Blogger Sentiment
Bullish
PFS Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 301.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $569.8K 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
36.44%
12-Months-Change
Fundamentals
Return on Equity
4.05%
Trailing 12-Months
Asset Growth
4.55%
Trailing 12-Months
Company Description
Provident Financial Services
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.
PFS Company Deck
PFS Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed solid underlying performance: record revenues, strong loan production and pipelines, expanding margins, improved efficiency, and growth in fee businesses. Asset quality metrics were generally healthy and capital/tangible book value improved. Key challenges flagged included a competitive deposit funding environment, one notable nonaccrual senior housing relationship (managed but still impactful), elevated CRE concentration, and near-term conversion costs. Management raised guidance on loan/deposit growth toward the high end of prior ranges and increased fee income guidance, while also emphasizing conservative assumptions around charge-offs and the sensitivity of reported NIM to accretion and recoveries.View all PFS earnings summariesPFS Stock 12 Month Forecast
Average Price Target
$29.67
▲(24.18% Upside)
Technical Analysis
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Customers Bancorp
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Ownership Overview
2.88% Insiders
21.15% Mutual Funds
8.76% Other Institutional Investors
32.74% Public Companies and
Individual Investors