Provident Financial Services Inc (PFS)

Currency in USD
18.87
-0.16(-0.84%)
Real-time Data·
PFS Scorecard
Full Analysis
Net income is expected to grow this year
High dividend Yield
PFS is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
18.8219.07
52 wk Range
14.3422.24
Key Statistics
Prev. Close
19.27
Open
19.06
Day's Range
18.82-19.07
52 wk Range
14.34-22.24
Volume
182.48K
Average Volume (3m)
634.12K
1-Year Change
11.97%
Book Value / Share
20.72
Fair Value
unlockUnlock
Fair Value Upside
unlockUnlock
PFS Scorecardpro icon
Company’s Health
Unlock
Fair Value
Unlock Price
Fair Price
Upside
Price Target
21.92
Upside
+16.15%
Members' Sentiments
Bearish
Bullish
ProTips
5 analysts have revised their earnings upwards for the upcoming period
Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Sell
Moving Averages
Neutral

Provident Financial Services Inc Company Profile

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. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company’s loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; 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, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning. Further, it sells insurance and investment products, including annuities; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

Sector
Financial
Employees
1777

Provident Financial Services Inc SWOT Analysis


Merger Momentum
Provident Financial Services' acquisition of Lakeland Bancorp boosts size by 77%, promising enhanced market presence and growth potential
Financial Resilience
Core EPS of $0.45 in Q3 2024 showcases robust performance, with core ROA at 0.80% and ROTCE around 11.4% post-acquisition
Synergy Prospects
Analysts project margin expansion, balance sheet growth, and full realization of cost synergies by end of 2024, enhancing 2025 outlook
Valuation Insights
Analyst price targets range from $18 to $22, with PFS trading slightly above InvestingPro's Fair Value estimate
Read full SWOT analysis

Provident Financial Services Inc Earnings Call Summary for Q2/2025

  • Provident Financial Services (NYSE:PFS) reported Q2 2025 EPS of $0.55, beating $0.50 forecast, with revenue of $214.17M exceeding expectations
  • Record revenue and net interest income achieved, with commercial loan portfolio growing 8% annualized and deposits up 5.6% annualized
  • Company projects net interest margin of 3.35-3.45% and anticipates two 25-basis point rate cuts in coming months
  • Stock price dipped 0.77% post-earnings despite strong results; CEO expresses confidence in sustaining momentum through 2025
  • Focus on diversified lending strategy and organic growth, with quarterly core operating expenses expected between $112M-$115M
Last Updated: 24/07/2025, 20:08
Read Full Transcript

Compare PFS to Peers and Sector

Metrics to compare
PFS
Peers
Sector
Relationship
P/E Ratio
10.9x−18.8x9.7x
PEG Ratio
0.120.950.03
Price/Book
0.9x0.8x1.0x
Price / LTM Sales
3.1x4.7x2.8x
Upside (Analyst Target)
13.9%14.0%10.6%
Fair Value Upside
Unlock−7.6%0.9%Unlock

Analyst Ratings

5 Buy
1 Hold
0 Sell
Ratings:
6 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 21.92
(+16.15% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.77%
Dividend Yield
4.98%
Industry Median 3.45%
Annualised payout
0.96
Paid quarterly
5-Years Growth
+0.85%
Growth Streak

Earnings

Latest Release
Jul 24, 2025
EPS / Forecast
0.55 / 0.50
Revenue / Forecast
214.17M / 213.59M
EPS Revisions
Last 90 days

PFS Income Statement

People Also Watch

38.31
EXEL
-0.42%
286.81
BIO
-0.14%
250.49
POWL
-1.96%
71.65
CORT
-0.49%
26.35
SM
-1.42%

FAQ

What Stock Exchange Does Provident Trade On?

Provident is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for Provident?

The stock symbol for Provident is "PFS."

What Is the Provident Market Cap?

As of today, Provident market cap is 2.46B.

What Is Provident's Earnings Per Share (TTM)?

The Provident EPS (TTM) is 1.77.

When Is the Next Provident Earnings Date?

Provident will release its next earnings report on 23 Oct 2025.

From a Technical Analysis Perspective, Is PFS a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Provident Stock Split?

Provident has split 0 times.

How Many Employees Does Provident Have?

Provident has 1777 employees.

What is the current trading status of Provident (PFS)?

As of 15 Aug 2025, Provident (PFS) is trading at a price of 18.87, with a previous close of 19.27. The stock has fluctuated within a day range of 18.82 to 19.07, while its 52-week range spans from 14.34 to 22.24.
Risk Disclosure: Trading in financial instruments and/or cryptocurrencies involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices of cryptocurrencies are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument or cryptocurrencies you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
Fusion Media would like to remind you that the data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not necessarily provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes. Fusion Media and any provider of the data contained in this website will not accept liability for any loss or damage as a result of your trading, or your reliance on the information contained within this website.
It is prohibited to use, store, reproduce, display, modify, transmit or distribute the data contained in this website without the explicit prior written permission of Fusion Media and/or the data provider. All intellectual property rights are reserved by the providers and/or the exchange providing the data contained in this website.
Fusion Media may be compensated by the advertisers that appear on the website, based on your interaction with the advertisements or advertisers
© 2007-2025 - Fusion Media Limited. All Rights Reserved.