Provident Financial Services Inc.

PFS | NYSE

Price Alert Chart Builder DCF Calculator

$22.93

-$0.13 (-0.56%)

At close: Sep 21, 2026, 4:00 PM ET

$22.93

$0 (0.00%)

After-hours: Sep 21, 2026, 4:01 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $3.01B

Enterprise Value $-526.65M

Beta 0.77

Average Volume 975.2K

Shares Outstanding (Diluted) 130.49M

Shares Change YoY 0.04%

Institutional Ownership 73.86%

Exchange NYSE

ISIN US74386T1051

Price Performance

Price Change 1M -3.2%

Price Change 3M -1.9%

Price Change 6M 9.8%

Price Change YTD 16.1%

Price Change 1Y 16.1%

Price Change 3Y 50.8%

Price Change 5Y 0.3%

1M CAGR (ann.) -5.9%

1Y CAGR (ann.) 22.1%

5Y CAGR (ann.) 6.0%

All-Time CAGR 5.4%

Valuation

PE Ratio 9.55

Forward PE 8.86

PEG Ratio 0.27

Forward PEG 1.72

PS Ratio 2.22

Forward PS 3.00

PB Ratio 1.03

P/FCF Ratio 7.07

P/Adj. FCF Ratio 7.26

P/OCF Ratio 8.07

EV/Sales -0.39

EV/EBIT -1.63

EV/EBITDA -0.90

EV/FCF -1.25

Earnings Yield 10.5%

FCF Yield 14.2%

Adj. FCF Yield 13.8%

Financial Health

Net Cash $3.51B

Total Debt $0

Cash & Short-Term Investments $3.51B

Total Assets $25.66B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 1.65

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 0.79

Altman Z-Score 0.41

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 63.2%

Operating Profit Margin 15.9%

EBITDA Margin 35.2%

Net Profit Margin 22.7%

FCF Margin 31.3%

Adj. FCF Margin 30.5%

SBC / Revenue 0.4%

SBC Impact (per share) -2.6%

Returns

Return on Assets 1.2%

Return on Equity 11.0%

Return on Invested Capital 4.5%

Return on Capital Employed 1.6%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 28.2%

Revenue CAGR 5Y 23.0%

Revenue CAGR 10Y 14.4%

EPS CAGR 3Y 2.8%

EPS CAGR 5Y 2.6%

EPS CAGR 10Y 6.0%

FCF CAGR 3Y 27.0%

FCF CAGR 5Y 34.2%

FCF CAGR 10Y 13.8%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 10

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 3, 2026

EPS Estimate (next Q) $0.60

EPS Growth Est (next Q) 9.1%

Revenue Est (next Q) $235.29M

Revenue Growth Est (next Q) 6.1%

Fair Value Estimates

Graham Number $34.70

Graham Upside 51.3%

Lynch Fair Value $12

Lynch Upside -47.7%

Price Target $26.50

Price Target Upside 15.6%

Cash Flow

Operating Cash Flow $438.4M

Free Cash Flow $422.69M

Adj. Free Cash Flow $411.66M

FCF Per Share $2.78

OCF Per Share $2.84

OCF/S Ratio 26.8%

Income Statement

Revenue $1.35B

Gross Profit $441.64M

Operating Income $213.86M

EBITDA $586.19M

Net Income $312.72M

EPS (Diluted) $2.40

Revenue / Employee $732.09K

Profit / Employee $169.77K

Employees 1,842

Dividends

Annual Dividend $0.96

Dividend Yield 4.19%

Payout Ratio 40.0%

FCF Payout Ratio 29.7%

Adj. FCF Payout Ratio 30.5%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 13, 2026