Provident Financial Services, Inc. (PFS)
NYSE: PFS · Real-Time Price · USD
20.36
-0.04 (-0.20%)
Mar 13, 2026, 4:00 PM EDT - Market closed

PFS Statistics

Total Valuation

PFS has a market cap or net worth of $2.66 billion. The enterprise value is $5.03 billion.

Market Cap2.66B
Enterprise Value 5.03B

Important Dates

The next estimated earnings date is Thursday, April 23, 2026, after market close.

Earnings Date Apr 23, 2026
Ex-Dividend Date Feb 13, 2026

Share Statistics

PFS has 130.70 million shares outstanding. The number of shares has increased by 18.95% in one year.

Current Share Class 130.70M
Shares Outstanding 130.70M
Shares Change (YoY) +18.95%
Shares Change (QoQ) +0.03%
Owned by Insiders (%) 3.07%
Owned by Institutions (%) 72.57%
Float 126.65M

Valuation Ratios

The trailing PE ratio is 9.13 and the forward PE ratio is 8.69.

PE Ratio 9.13
Forward PE 8.69
PS Ratio 3.07
Forward PS 3.04
PB Ratio 0.94
P/TBV Ratio 1.30
P/FCF Ratio 6.18
P/OCF Ratio 6.02
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 17.29
EV / Sales 5.81
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 11.69

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 6.24
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 10.72%.

Return on Equity (ROE) 10.72%
Return on Assets (ROA) 1.19%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 4.40%
Revenue Per Employee $464,534
Profits Per Employee $156,034
Employee Count1,866
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, PFS has paid $117.00 million in taxes.

Income Tax 117.00M
Effective Tax Rate 28.66%

Stock Price Statistics

The stock price has increased by +22.58% in the last 52 weeks. The beta is 0.84, so PFS's price volatility has been lower than the market average.

Beta (5Y) 0.84
52-Week Price Change +22.58%
50-Day Moving Average 21.49
200-Day Moving Average 19.49
Relative Strength Index (RSI) 33.05
Average Volume (20 Days) 856,684

Short Selling Information

The latest short interest is 4.32 million, so 3.30% of the outstanding shares have been sold short.

Short Interest 4.32M
Short Previous Month 4.02M
Short % of Shares Out 3.30%
Short % of Float 3.41%
Short Ratio (days to cover) 4.66

Income Statement

In the last 12 months, PFS had revenue of $866.82 million and earned $291.16 million in profits. Earnings per share was $2.23.

Revenue866.82M
Gross Profit 866.82M
Operating Income 458.13M
Pretax Income 408.16M
Net Income 291.16M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $2.23
Full Income Statement

Balance Sheet

The company has $314.34 million in cash and $2.69 billion in debt, with a net cash position of -$2.37 billion or -$18.16 per share.

Cash & Cash Equivalents 314.34M
Total Debt 2.69B
Net Cash -2.37B
Net Cash Per Share -$18.16
Equity (Book Value) 2.83B
Book Value Per Share 21.68
Working Capital -20.53B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $442.26 million and capital expenditures -$11.54 million, giving a free cash flow of $430.73 million.

Operating Cash Flow 442.26M
Capital Expenditures -11.54M
Free Cash Flow 430.73M
FCF Per Share $3.30
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 52.85%
Pretax Margin 47.09%
Profit Margin 33.59%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 49.69%

Dividends & Yields

This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 4.72%.

Dividend Per Share $0.96
Dividend Yield 4.72%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 43.05%
Buyback Yield -18.95%
Shareholder Yield -14.24%
Earnings Yield 10.94%
FCF Yield 16.19%
Dividend Details

Analyst Forecast

The average price target for PFS is $23.75, which is 16.65% higher than the current price. The consensus rating is "Strong Buy".

Price Target $23.75
Price Target Difference 16.65%
Analyst Consensus Strong Buy
Analyst Count 4
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 4