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Provident Financial Services (PFS)
NYSE:PFS
PFS Stock Chart & Stats
$21.04
-$0.07(-0.38%)
At close: 4:00 PM EST
$21.04
-$0.07(-0.38%)
Day’s Range― - ―
52-Week Range$14.34 - $23.98
Previous CloseN/A
Volume63.59K
Average Volume (3M)873.04K
Market Cap
$2.75B
Enterprise Value$5.06B
Total Cash (Recent Filing)$3.38B
Total Debt (Recent Filing)$2.52B
Price to Earnings (P/E)9.4
Beta0.88
Next Earnings
Apr 24, 2026EPS Estimate
0.56Next Dividend Ex-DateN/A
Dividend Yield4.69%
Share Statistics
EPS (TTM)0.64
Shares Outstanding130,622,390
10 Day Avg. Volume642,743
30 Day Avg. Volume873,036
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)0.91
Price to Sales (P/S)1.87
P/FCF Ratio5.83
Enterprise Value/Market Cap1.84
Enterprise Value/Revenue3.66
Enterprise Value/Gross Profit5.83
Enterprise Value/Ebitda11.04
Forecast
1Y Price Target
$24.67Price Target Upside17.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.37
Revenue Forecast (FY)$930.32M
Bulls Say, Bears Say
Bulls Say
Improving ProfitabilityRecord revenues driven by higher net interest and fee income reflect a sustained step-up in core earnings capacity after the Lakeland transaction. Consistent PPNR growth and materially improved margins enhance cash generation and capital formation, supporting durable returns and reinvestment capacity over the medium term.
Commercial Loan FranchiseLarge, consistent commercial originations and a multi-billion pipeline underpin forward interest income and diversify assets away from more volatile retail-originated payoffs. A strong middle-market/commercial lending platform supports relationship deposits, fee cross-sell, and repeatable earnings contribution across economic cycles.
Capital And Cash Return FlexibilityRising tangible equity and explicit share-repurchase authorizations, alongside continued quarterly dividends, indicate robust cash conversion and a comfortable capital buffer. This provides long-term flexibility to balance growth investments, absorb shocks, and return capital to shareholders without compromising regulatory ratios.
Bears Say
Higher Leverage Vs. HistoryLeverage has meaningfully increased versus earlier years, raising sensitivity to earnings shocks and interest-rate moves. Greater reliance on debt funding narrows the margin for error on credit losses or deposit stress and can constrain strategic flexibility during prolonged downturns or regulatory pressure.
Reserve/Provision SensitivityLower coverage and a recent negative provision expose the bank to reserve volatility if economic conditions or loan performance worsen. Model and macro sensitivity means provisioning could swing materially, compressing reported earnings and consuming capital when stress requires reserve build.
Competitive Deposit EnvironmentPersistent competition for core deposits makes low-cost funding scarcer and increases the risk of higher funding costs or reliance on pricier wholesale funding. The structural pressure on deposit share and cost can constrain NIM expansion and margin resilience across rate cycles.
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 $14.34 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 $2.75B.
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 52 days.
How were Provident Financial Services’s earnings last quarter?
Provident Financial Services released its earnings results on Jan 28, 2026. The company reported $0.64 earnings per share for the quarter, beating the consensus estimate of $0.555 by $0.085.
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 130,622,390 shares outstanding.
What happened to Provident Financial Services’s price movement after its last earnings report?
Provident Financial Services reported an EPS of $0.64 in its last earnings report, beating expectations of $0.555. Following the earnings report the stock price went same 0%.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$24.67 (17.25% Upside)
$24.67 (17.25% Upside)
Blogger Sentiment
Bullish
PFS Sentiment 66%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 24.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $161.3K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 2.2%
Last 30 Days ▼ 5.1%
Last 30 Days ▼ 5.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.36%
12-Months-Change
Fundamentals
Return on Equity
10.72%
Trailing 12-Months
Asset Growth
3.81%
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.
PFS 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 PFS earnings summariesPFS Stock 12 Month Forecast
Average Price Target
$24.67
▲(17.25% Upside)
Technical Analysis
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First Financial Bancorp
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First Merchants
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Simmons 1st Nat'l
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Washington Federal
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Ownership Overview
2.92% Insiders
21.21% Mutual Funds
5.09% Other Institutional Investors
39.91% Public Companies and
Individual Investors