Provident Financial Services (PFS)
NYSE:PFS
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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$15.92 - $23.98
Previous CloseN/A
Volume63.59K
Average Volume (3M)946.96K
Market Cap
$2.92B
Enterprise Value$5.59B
Total Cash (Recent Filing)$3.38B
Total Debt (Recent Filing)$2.52B
Price to Earnings (P/E)8.7
Beta0.88
Next Earnings
Jul 23, 2026EPS Estimate
0.56Next Dividend Ex-DateN/A
Dividend Yield4.69%
Share Statistics
EPS (TTM)0.66
Shares Outstanding130,313,690
10 Day Avg. Volume974,220
30 Day Avg. Volume946,964
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 Cap1.92
Enterprise Value/Revenue4.04
Enterprise Value/Gross Profit6.44
Enterprise Value/Ebitda12.20
Forecast
1Y Price Target
$25.33Price Target Upside10.92% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.33
Revenue Forecast (FY)$933.24M
Bulls Say, Bears Say
Bulls Say
Commercial Loan Growth & PipelineSustained commercial origination and a large $3.1B pipeline point to durable future earning-asset growth and higher-yielding loan mix. Over 2–6 months this supports Net Interest Income expansion, strengthens balance-sheet scale, and gives management optionality to optimize pricing and client relationships.
Diversified Fee Income And Insurance PlatformGrowing, sticky fee businesses and a high-retention insurance platform reduce reliance on spread income. This diversification supports revenue resilience if NIM compresses, enables cross-sell economics, and provides recurring cash flow to offset interest-rate or loan-cycle volatility over the medium term.
Improved Profitability And Cash GenerationMaterial improvement in profitability metrics and strong cash conversion demonstrate quality earnings and capital-generation capacity. Reliable operating cash flow funds organic growth, supports capital builds and buybacks, and preserves strategic flexibility across investment, dividend, and credit-cycle responses.
Bears Say
Rise In Nonperforming Loans (concentration)A concentrated bankruptcy-driven credit stress raises volatility in asset quality and reserve needs. Concentration in four related senior-housing loans can cause outsized provisioning or prolonged resolution timelines, pressuring earnings and capital if workouts extend beyond the near term.
Deposit Outflows & Funding Mix ShiftA deliberate pivot from brokered deposits to FHLB and other wholesale funding changes the funding profile. Increased reliance on borrowings can raise funding sensitivity and liquidity management complexity, pressuring margins and requiring careful balance-sheet execution over ensuing quarters.
Near-term Expense Pressure And Core Upgrade CostsElevated compensation and planned core-system investments raise ongoing expense levels and introduce near-term nonrecurring costs. If efficiency gains from the upgrade are delayed, margin compression and slower operating-leverage improvement could persist across the next several quarters.
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 $15.92 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 $2.92B.
When is Provident Financial Services’s upcoming earnings report date?
Provident Financial Services’s upcoming earnings report date is Jul 23, 2026 which is in 80 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 1.16%.
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
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$25.33 (10.92% Upside)
$25.33 (10.92% Upside)
Blogger Sentiment
Neutral
PFS Sentiment 50%
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
Negative
Last 7 Days ▼ 1.1%
Last 30 Days <0.1%
Last 30 Days <0.1%
Technicals
SMA
Positive
20 days / 200 days
Momentum
54.93%
12-Months-Change
Fundamentals
Return on Equity
10.62%
Trailing 12-Months
Asset Growth
4.03%
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
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
$25.33
▲(10.92% Upside)
Technical Analysis
Banner
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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
2.52% Insiders
20.97% Mutual Funds
2.17% Other Institutional Investors
42.05% Public Companies and
Individual Investors