Want to see PFS full AI Analyst Report?
PFS Stock Chart & Stats
$22.84
-$0.07(-0.38%)
At close: 4:00 PM EST
$22.84
-$0.07(-0.38%)
Day’s Range― - ―
52-Week Range$16.12 - $23.98
Previous CloseN/A
Volume63.59K
Average Volume (3M)965.46K
Market Cap
$3.07B
Enterprise Value$5.62B
Total Cash (Recent Filing)$3.46B
Total Debt (Recent Filing)$2.89B
Price to Earnings (P/E)10.0
Beta0.84
Next Earnings
Jul 29, 2026EPS Estimate
0.56Next Dividend Ex-DateN/A
Dividend Yield4.69%
Share Statistics
EPS (TTM)2.35
Shares Outstanding130,313,690
10 Day Avg. Volume1,066,369
30 Day Avg. Volume965,464
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)0.91
Price to Sales (P/S)1.87
P/FCF Ratio5.99
Enterprise Value/Market Cap1.83
Enterprise Value/Revenue4.02
Enterprise Value/Gross Profit6.34
Enterprise Value/Ebitda11.44
Forecast
1Y Price Target
$28.60Price Target Upside25.22% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)2.36
Revenue Forecast (FY)$925.39M
Bulls Say, Bears Say
Bulls Say
Profitability RecoveryA material rebound in net income and margin recovery to ~22% TTM signals restored core profitability and improved operating leverage across lending and fee businesses. Durable earnings strength supports reinvestment, capital build and consistent shareholder returns over the medium term.
Strong Cash GenerationHigh absolute operating and free cash flow (FCF ≈97% of net income) provides persistent internal funding for dividends, buybacks and technology investments. Reliable cash conversion underpins balance-sheet flexibility and reduces reliance on external financing for strategic initiatives.
Commercial Lending & Fee DiversificationRobust commercial originations and a large $3.1B pipeline create a durable growth engine less tied to retail cycles. Combined with record noninterest income from insurance and fee businesses, the company has a more diversified revenue mix that helps stabilize margins amid interest-rate swings.
Bears Say
Rising LeverageLeverage has increased materially as assets expanded, lifting debt-to-equity to ~1.01 TTM. Higher leverage reduces capital flexibility, amplifies sensitivity to funding shocks and credit stress, and constrains the bank's ability to absorb losses or pursue opportunistic growth without raising capital.
Asset-quality DeteriorationA concentrated bankruptcy-affected commercial relationship pushed NPLs higher, exposing concentrated CRE senior housing risk. With allowance coverage trimmed and resolution timing uncertain, potential credit losses could pressure earnings and capital over the next several quarters if recoveries are weaker than expected.
Margin & Funding Pressure; Expense LoadManagement tightened NIM guidance while deposits declined and the bank shifted toward FHLB borrowings, pressuring funding costs. At the same time, elevated compensation and planned core-conversion charges increase operating expense, constraining medium-term net income expansion and efficiency gains.
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 $16.12 and its highest was $23.98 in the past 12 months.
What is Provident Financial Services’s market cap?
Provident Financial Services’s market cap is $3.07B.
When is Provident Financial Services’s upcoming earnings report date?
Provident Financial Services’s upcoming earnings report date is Jul 29, 2026 which is in 23 days.
How were Provident Financial Services’s earnings last quarter?
Provident Financial Services released its earnings results on Apr 29, 2026. The company reported $0.657 earnings per share for the quarter, beating the consensus estimate of $0.548 by $0.109.
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 4.69%. See more information on Provident Financial Services dividends here
What is Provident Financial Services’s EPS estimate?
Provident Financial Services’s EPS estimate is 0.56.
How many shares outstanding does Provident Financial Services have?
Provident Financial Services has 130,313,690 shares outstanding.
What happened to Provident Financial Services’s price movement after its last earnings report?
Provident Financial Services reported an EPS of $0.657 in its last earnings report, beating expectations of $0.548. Following the earnings report the stock price went up 1.159%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$28.60 (25.22% Upside)
$28.60 (25.22% Upside)
Blogger Sentiment
Neutral
PFS Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 76.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $139.8K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 2.8%
Last 30 Days ▼ 0.8%
Last 30 Days ▼ 0.8%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.28%
12-Months-Change
Fundamentals
Return on Equity
10.98%
Trailing 12-Months
Asset Growth
4.03%
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 Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a broadly positive financial performance with strong earnings growth, record noninterest income, robust commercial loan production and an expanding loan pipeline, along with capital build and share repurchases. Key challenges include a rise in nonperforming loans tied to one bankruptcy-affected commercial relationship, modest deposit outflows and near-term expense pressure from compensation and a core systems upgrade. Management expects credit resolution without material loss, reaffirmed guidance and highlighted strategic investments to support future growth and efficiency.View all PFS earnings summariesPFS Stock 12 Month Forecast
Average Price Target
$28.60
▲(25.22% Upside)
Technical Analysis
Banner
―
First Financial Bancorp
―
First Merchants
―
Simmons 1st Nat'l
―
Washington Federal
―
Ownership Overview
2.89% Insiders
21.16% Mutual Funds
0.07% Other Institutional Investors
41.87% Public Companies and
Individual Investors