Provident Financial Services, Inc. (PFS)

PFS Statistics

Total Valuation

PFS has a market cap or net worth of $3.01 billion. The enterprise value is $5.32 billion.

Market Cap	3.01B
Enterprise Value	5.32B

Important Dates

The last earnings date was Tuesday, January 27, 2026, after market close.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Feb 13, 2026

Share Statistics

PFS has 130.62 million shares outstanding. The number of shares has increased by 18.95% in one year.

Current Share Class	130.62M
Shares Outstanding	130.62M
Shares Change (YoY)	+18.95%
Shares Change (QoQ)	+0.03%
Owned by Insiders (%)	3.09%
Owned by Institutions (%)	72.58%
Float	126.56M

Valuation Ratios

The trailing PE ratio is 10.35 and the forward PE ratio is 9.73.

PE Ratio	10.35
Forward PE	9.73
PS Ratio	3.48
Forward PS	3.41
PB Ratio	1.06
P/TBV Ratio	1.47
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	18.28
EV / Sales	6.14
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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)	4.86%
Revenue Per Employee	$481,299
Profits Per Employee	$161,666
Employee Count	1,801
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 +24.89% in the last 52 weeks. The beta is 0.85, so PFS's price volatility has been lower than the market average.

Beta (5Y)	0.85
52-Week Price Change	+24.89%
50-Day Moving Average	21.31
200-Day Moving Average	19.19
Relative Strength Index (RSI)	63.58
Average Volume (20 Days)	952,052

Short Selling Information

The latest short interest is 4.02 million, so 3.08% of the outstanding shares have been sold short.

Short Interest	4.02M
Short Previous Month	3.52M
Short % of Shares Out	3.08%
Short % of Float	3.17%
Short Ratio (days to cover)	4.23

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.

Revenue	866.82M
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

Balance Sheet

The company has $211.48 million in cash and $2.52 billion in debt, with a net cash position of -$2.31 billion or -$17.66 per share.

Cash & Cash Equivalents	211.48M
Total Debt	2.52B
Net Cash	-2.31B
Net Cash Per Share	-$17.66
Equity (Book Value)	2.83B
Book Value Per Share	21.69
Working Capital	-18.95B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 4.16%.

Dividend Per Share	$0.96
Dividend Yield	4.16%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	43.05%
Buyback Yield	-18.95%
Shareholder Yield	-14.79%
Earnings Yield	9.66%
FCF Yield	n/a

Analyst Forecast

The average price target for PFS is $23.33, which is 1.08% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$23.33
Price Target Difference	1.08%
Analyst Consensus	Strong Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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	2