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Ticker
PFS

Price
23.08
Stock movement up
+0.12 (0.52%)
Company name
Provident Financial Services Inc
Exchange
(NYSE
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
3.01B
Ent value
24.95B
Price/Sales
2.18
Price/Book
1.06
Div yield
4.16%
Div growth
-4.78%
Growth years
-
FCF payout
26.08%
Trailing P/E
10.35
Forward P/E
8.95
PEG
1.29
EPS growth
9.89%
1 year return (CAGR)
21.92%
3 year return (CAGR)
-0.92%
5 year return (CAGR)
2.95%
10 year return (CAGR)
2.28%
Last updated: 2026-02-24

DIVIDENDS

Dividend yield - 5y

Dividend yield data
Dividend per share0.96
Dividend yield4.16%
Payout frequencyQuarterly
Maximum yield7.27%
Average yield4.96%
Minimum yield3.59%
Discount to avg yield-19.29%
Upside potential-16.17%
Yield as % of max yield57.24%

Yield distribution (inverse percentile) - 5y

Yield distribution data
Dividend yield4.16%
Current yield distribution76.67%
Yield at 100% (Min)3.59%
Yield at 90%3.96%
Yield at 80%4.10%
Yield at 50% (Median)4.88%
Yield at 20%5.78%
Yield at 10%6.29%
Yield at 0% (Max)7.27%

Dividend per share

Dividend per share data
Years of growth-
CCC status-
Dividend per share0.96
Payout frequencyQuarterly
Ex-div date13 Feb 2026
EPS (TTM)2.23
EPS (1y forward)2.58
EPS growth (5y)9.89%
EPS growth (5y forward)8.00%

Dividend growth

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Dividend growth data
PFSS&P500
DGR MR4.35%-13.74%
DGR TTM-6.60%
DGR 3 years-9.14%7.31%
DGR 5 years-4.78%4.69%
DGR 10 years1.08%6.30%
DGR 15 years3.47%8.16%
Time since last change announced1581 days
EPS growth (5y)9.89%
EPS growth (5y forward)8.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM32.48%26.08%
Average--
Forward37.25%-

VALUATION

Valuation Ratios

Valuation Ratios data
Trailing P/E10.35
Price to OCF8.08
Price to FCF8.31
Price to EBITDA7.95
EV to EBITDA65.84

Valuation (Sales/Book Value)

Valuation (Sales/Book Value) data
Price to Sales2.18
Price to Book1.06
EV to Sales18.05

FINANCIALS

Per share

Per share data
Current share count130.62M
EPS (TTM)2.23
FCF per share (TTM)2.78

Income statement

Income statement data
Revenue (TTM)1.38B
Gross profit (TTM)866.82M
Operating income (TTM)408.16M
Net income (TTM)291.16M
EPS (TTM)2.23
EPS (1y forward)2.58

Margins

Margins data
Gross margin (TTM)62.69%
Operating margin (TTM)29.52%
Profit margin (TTM)21.06%

Balance Sheet

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Balance Sheet data
Cash211.48M
Net receivables95.80M
Total current assets3.47B
Goodwill0.00
Intangible assets782.15M
Property, plant and equipment0.00
Total assets24.98B
Accounts payable0.00
Short/Current long term debt2.52B
Total current liabilities0.00
Total liabilities22.15B
Shareholder's equity2.83B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)373.32M
Capital expenditures (TTM)6.67M
Free cash flow (TTM)362.62M
Dividends paid (TTM)94.57M

Financial returns

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Financial returns data
Return on Equity10.28%
Return on Assets1.17%
Return on Invested Capital5.44%
Cash Return on Invested Capital6.78%

STOCK INFORMATION

Stock chart

Stock price data
Open23.02
Daily high23.25
Daily low22.87
Daily Volume558K
All-time high28.95
1y analyst estimate25.00
Beta0.85
EPS (TTM)2.23
Dividend per share0.96
Ex-div date13 Feb 2026
Next earnings date23 Apr 2026

Downside potential

Downside potential data
PFSS&P500
Current price drop from All-time high-20.28%-1.82%
Highest price drop-66.53%-56.47%
Date of highest drop18 Mar 20209 Mar 2009
Avg drop from high-24.39%-10.84%
Avg time to new high112 days12 days
Max time to new high3208 days1805 days
COMPANY DETAILS
PFS (Provident Financial Services Inc) company logo
Marketcap
3.01B
Marketcap category
Mid-cap
Description
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.
Employees
1753
Website
https://www.provident.bank
Investor relations
SEC filings
PFS SEC filings
CEO
Christopher Martin
Country
USA
City
Jersey City
Stock type
Common stock
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
UNDERSTAND THE BUSINESS
COMPANY NEWS
Seeking AlphaPress releases
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