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Provident Financial Services, Inc PFS

Financial — Banks Regional
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
2.31
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 1 — — 2 — — 1 1 — 2 1
Insider Ownership
5.79%

Capital & Financial Ratios

Market Cap
3,020.00
Revenue
1,411.94
Net Income
312.72
Free Cash Flow
353.13
Net Debt
2,636.08
Current Ratio
1.03
Debt/Equity
0.99
P/E ratio
9.61
P/S ratio
2.13
P/B ratio
1.03
Past 5Y EPS Growth
(9.56%)
This Y EPS Growth
10.45%
Next Y EPS Growth
5.57%
Next 5Y EPS Growth
11.88%
in millions of $

Dividends

Payout Ratio
0.43
Annual Dividend Rate
0.96
Annual Dividend Yield
6.41%
total individual payouts
2027 ‡‡‡‡‡
2026 0.96
—
—
—
2025 0.96
—
—
—
—
2024 0.96
—
—
—
—
2023 0.96
—
—
—
—
2022 0.96
—
—
—
—
2021 0.93
—
—
—
—
2020 0.92
—
—
—
—
2019 0.92
—
—
—
—
2018 0.82
—
—
—
—
2017 0.78
—
—
—
—
—
2016 0.71
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 180.26 205.94 211.48 228.29
Receivables — — — —
Inventory — — — —
Other — — — —
11,005.73 18,925.49 19,641.29 20,192.98
2023 2024 2025 Q'26
Payables 10,292.51 18,623.81 19,278.68 19,545.17
ST’ Debt — — — —
Other — — — —
10,292.51 18,623.81 19,278.68 19,545.17
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 346.52 358.57 — —
—
’25 332.38 343.38 353.70 353.15
1,382.61
’24 184.67 270.09 349.38 336.12
1,140.25
’23 165.71 169.28 177.52 183.14
695.65
’22 121.14 127.22 150.18 155.44
553.97
’21 122.17 121.70 122.96 122.32
489.15
’20 105.16 95.90 114.08 120.60
435.74
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 84.65 118.84 — —
—
’25 88.52 186.77 98.03 68.95
442.26
’24 41.41 76.50 69.18 239.29
426.38
’23 58.07 27.33 41.68 46.32
173.40
’22 50.94 50.60 56.34 42.44
200.31
’21 36.42 51.95 34.06 34.39
156.81
’20 33.36 30.30 (19.03) 58.68
103.30
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 83.67 108.67 — —
—
’25 89.72 182.56 96.71 64.08
433.07
’24 40.87 75.53 67.89 240.78
425.07
’23 57.52 24.99 38.75 44.77
166.01
’22 42.10 53.51 54.40 40.91
190.92
’21 34.59 48.15 31.37 28.94
143.05
’20 32.33 29.17 (23.05) 52.97
91.42
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.61 0.60 — —
—
’25 0.49 0.55 0.55 0.64
2.23
’24 0.43 (0.11) 0.36 0.37
1.05
’23 0.54 0.43 0.38 0.36
1.71
’22 0.58 0.53 0.58 0.66
2.35
’21 0.63 0.58 0.49 0.49
2.19
’20 0.23 0.22 0.37 0.53
1.39

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1.7
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 19.18 13.43 13.07 14.34 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.20 24.58 22.24 21.29 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,153 1,142 1,801 1,866 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.48 0.61 0.63 0.74 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 553.97 695.65 1,140.25 1,382.61 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 91.22% 68.90% 60.93% 62.95% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 240.11 175.78 149.62 408.16 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 43.34% 25.27% 13.12% 29.52% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 175.65 128.40 115.53 291.16 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.76 11.50 41.75 61.21 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.42 9.29 10.40 10.60 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ 2.35 1.72 1.05 2.23 ‡‡‡‡‡ ‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.68 2.32 3.89 3.39 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.13) (0.10) (0.01) (0.07) ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.56 2.22 3.88 3.32 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 21.39 22.59 23.72 21.72 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 74.70 74.84 109.67 130.46 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.14 10.60 17.97 8.86 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.90 1.95 1.81 1.86 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.00 0.80 0.80 0.91 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.65 6.34 4.86 4.44 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 19.29 26.57 13.04 14.18 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 200.31 173.40 426.38 442.26 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (9.39) (7.38) (1.31) (9.19) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 190.92 166.01 425.07 433.07 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (163.75) 713.22 301.68 362.61 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,265.57 2,017.57 2,464.29 2,558.79 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,079.06 1,837.31 2,258.35 2,347.31 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,597.70 1,690.60 2,601.21 2,833.21 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.27% 0.92% 0.60% 1.19% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.15% 3.25% 2.66% 4.92% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.66% 7.81% 5.38% 10.72% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Provident Financial Services, Inc. (PFS), a regional bank powerhouse in the New York-New Jersey metro, transformed through its 2024 merger with Lakeland Bancorp, doubling assets to $27 billion and surging revenue 64% to $1.14 billion. This fueled a 15.8% revenue CAGR since 2016, with revenue per employee jumping 87% to $633,000 despite headcount growth, though short-term integration costs compressed gross margins to 60.9% and EPS to $1.05 from 2022 peaks.

Profitability took hits—net income down 34%, EBT margin to 13.1%—yet ROE holds at 10.7% above peers, free cash flow per share exploded 75% to $3.88, and the balance sheet strengthened with equity up 54% and prudent leverage at 0.87x. Trading at a 45% book discount (PB 0.80) and 9% below analyst targets, the stock signals undervaluation amid post-merger stabilization.

Insider selling raises caution, but forecasts eye EPS rebound to $2.37 by 2026 (+126%) on synergies and rate cuts, with Monte Carlo models showing 55% upside probability. PFS’s merger story promises scale and recovery, warranting a deeper dive into risks and rewards.

Read full commentary →

Provident Financial Services, Inc (PFS) Latest News

News by impact score

Fine-tune

31 Jul

3 www.marketbeat.com, 8:03 PM
Provident Financial Services, Inc. (PFS) discussed Q2 financial results and outlook during its earnings call. Q2 earnings updates typically provide moderate influence on company valuation and market expectations.

30 Jul

3 , 7:04 PM
Provident Financial Services Inc posted record revenues in Q2 2026, as detailed in its earnings call highlights. Record revenues reported in quarterly earnings typically produce moderate short-term effects on stock performance and sentiment.

3 , 11:10 AM
Provident Financial Services beat earnings expectations, prompting analysis on whether its stock price remains undervalued relative to results. Earnings beat offers positive signal but valuation questions limit expected fundamental shifts in company trajectory.

29 Jul

3 , 4:53 PM
Provident Financial Services beat revenue expectations in Q2 CY2026. Revenue beat signals positive short-term earnings momentum for Provident Financial Services.

3 , 4:30 PM
Provident Financial Services, Inc. (PFS) released its second quarter earnings. Quarterly earnings updates supply performance data that can shift near-term investor sentiment without altering long-term strategy.

2 Jul

3 , 4:36 PM
Provident Financial Services (NYSE:PFS) Q1 results are benchmarked against other regional bank stocks. Q1 results release directly informs PFS financial performance and near-term market views.

5 Jun

3 StockStory, 12:29 AM
Provident Financial Services and Dime Community Bancshares shares surge sharply. Share price surge signals positive market reaction likely to affect near-term valuation and sentiment for PFS.

2 May

4 www.marketbeat.com, 3:47 AM
Provident Financial Services released Q1 earnings call highlights covering financial results, strategic updates, and outlook. Q1 earnings call highlights disclose key financial metrics and guidance that significantly influence PFS's market performance and investor sentiment.

3 , 10:58 AM
Provident Financial Services, Inc. beat earnings expectations, with analysts outlining expectations for future performance. Earnings beat affects financial performance and market sentiment but remains balanced by analyst forward views.

3 StockStory, 1:00 AM
Provident Financial Services, Inc (PFS) Q1 deep dive spotlights sustained loan growth, portfolio diversification, and robust credit quality as key priorities. Q1 emphasis on loan growth, diversification, and credit quality signals moderate positive influence on financial performance and market sentiment.

30 Apr

4 transcript www.fool.com, 11:24 AM
Provident Financial Services, Inc. (PFS) Q1 2026 earnings call transcript released, covering first-quarter financial results, management discussion, and future outlook. Q1 2026 earnings transcript reveals financial performance and strategic guidance that can significantly sway PFS investor sentiment and market trajectory.

4 app.moby.co, 8:30 AM
Provident Financial Services, Inc. (PFS) released Q1 2026 earnings call summary detailing financial performance, strategic updates, and outlook. Q1 earnings call summary reveals financial results and guidance directly shaping PFS investor sentiment and market trajectory.

29 Apr

4 Zacks, 7:30 PM
Provident Financial Services (PFS) Q1 earnings featured key metrics compared to analyst estimates, highlighting performance in revenue, EPS, net interest margin, and loan growth. Q1 earnings metrics versus estimates directly affect financial performance, investor sentiment, and stock trajectory.

4 GlobeNewswire, 4:30 PM
Provident Financial Services, Inc. announced first quarter earnings. Quarterly earnings announcements significantly impact financial services companies' stock prices and investor sentiment.

3 Zacks, 8:20 PM
Provident Financial Services, Inc. (PFS) beat Q1 earnings estimates. Beating Q1 earnings estimates signals stronger financial performance and boosts short-term investor sentiment without fundamentally altering long-term trajectory.

28 Apr

3 StockStory, 2:36 PM
Provident Financial Services (PFS) reports Q1 results with key financial metrics, performance highlights, and investor insights ahead of the earnings call. Q1 results reveal financial performance metrics that moderately influence investor sentiment and short-term market trajectory.

22 Apr

4 transcript www.fool.com, 5:27 PM
Provident Financial Services, Inc. (PFS) Q4 2025 earnings call transcript outlines quarterly financial results, net interest income, loan growth, deposit trends, credit quality, and 2026 guidance amid economic conditions. Q4 earnings transcript reveals financial metrics, strategic initiatives, and forward guidance that significantly shape PFS's trajectory and investor sentiment.

3 Zacks, 10:00 AM
Provident Financial Services, Inc. (PFS) earnings expected to grow ahead of next week's release, with key details to watch including estimates, historical performance, and factors influencing results. Expected earnings growth preview can moderately affect financial performance expectations and short-term investor sentiment.

21 Apr

4 Zacks, 6:15 PM
Northpointe Bancshares, Inc. (NPB) Q1 earnings and revenues missed analyst estimates. NPB's Q1 earnings miss threatens PFS's acquisition integration, earnings accretion, and investor confidence in the deal.

31 Mar

3 StockStory, 3:41 PM
Provident Financial Services (PFS) stock faces buy, sell, or hold recommendation after Q4 earnings release, analyzing financial results, outlook, and market position. Q4 earnings results influence PFS financial performance and short-term investor sentiment.

26 Mar

3 Simply Wall St., 12:28 AM
Provident Financial Services (PFS) narrative evolves with focus on margins, capital position, and valuation amid ongoing developments. Emphasis on core financial metrics like margins, capital, and valuation moderately influences PFS financial performance and market sentiment.

17 Feb

3 GlobeNewswire, 8:00 AM
Provident Bank appoints industry veteran Joseph A. Tammaro, Jr. as head of Middle Market Lending to strengthen its business in that segment. Hiring a veteran leader for middle market lending bolsters key operational capabilities but lacks transformative scale.

6 Feb

4 Simply Wall St., 6:32 AM
Provident Financial Services, Inc. (PFS) is highlighted as a top dividend stock for February 2026, attracting attention for its consistent dividend payments and solid financial performance. The company is noted for its strong balance sheet and commitment to returning value to shareholders, making it a favorable option for income-focused investors. Analysts suggest that PFS's dividend yield and growth potential position it well in the current market environment, especially as interest rates fluctuate. PFS's strong dividend performance and financial stability are likely to significantly influence investor sentiment and market positioning.

3 Feb

3 transcript StockStory, 12:32 AM
Provident Financial Services, Inc. held its Q4 earnings call, addressing key analyst questions regarding financial performance, strategic initiatives, and market conditions. The discussion highlighted the company's growth strategies, loan portfolio management, and outlook for the upcoming quarters, providing insights into how external factors may influence operations and profitability. The earnings call revealed insights that may moderately influence financial performance and competitive positioning.

2 Feb

4 StockStory, 11:34 PM
Provident Financial Services, Inc. (PFS) is highlighted for its solid fundamentals, showcasing strong financial metrics and a stable growth trajectory. The article contrasts PFS with two other bank stocks that exhibit questionable fundamentals, suggesting that PFS stands out in terms of reliability and performance potential. Investors are encouraged to consider PFS as a viable option amidst varying market conditions. PFS's strong fundamentals and growth potential indicate a significant impact on its future performance and market sentiment.

3 Simply Wall St., 12:32 PM
Provident Financial Services, Inc. (PFS) is highlighted among three dividend stocks offering yields up to 3.5%. The article emphasizes the attractiveness of these dividend yields in the current market environment, appealing to income-focused investors. PFS is noted for its stable dividend payments, which contribute to its appeal as a reliable investment option. Stable dividend payments may positively influence investor sentiment and financial performance.

3 Simply Wall St., 6:31 AM
Provident Financial Services, Inc. (PFS) is highlighted as one of the top dividend stocks to consider for investment. The company has demonstrated consistent dividend payments, making it an attractive option for income-focused investors. Its strong financial performance and commitment to returning value to shareholders further bolster its appeal in the current market environment. Consistent dividend payments and strong financial performance may moderately influence investor sentiment and financial stability.

1 Feb

3 Simply Wall St., 8:50 AM
Provident Financial Services, Inc. (NYSE:PFS) has declared a dividend of $0.24 per share, reflecting its commitment to returning value to shareholders. The dividend is expected to be paid on a specified date to shareholders of record, indicating the company's stable financial position and ongoing profitability. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

30 Jan

4 , 6:31 AM
Provident Financial Services, Inc. (PFS) is highlighted as one of the top dividend stocks for January 2026, showcasing its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts predict continued growth in dividends, supported by robust earnings and a stable business model. PFS's strategic initiatives and market positioning further enhance its appeal in the competitive financial services sector. Strong dividend growth and strategic initiatives are likely to significantly impact investor sentiment and future performance.

3 Simply Wall St., 12:32 PM
Provident Financial Services, Inc. (PFS) is highlighted as one of the top dividend stocks to consider for investment. The company is recognized for its consistent dividend payments and solid financial performance, making it an attractive option for income-focused investors. Analysts emphasize the importance of dividend yield and stability in the current market environment, suggesting that PFS could provide reliable returns amidst economic uncertainties. PFS's consistent dividend payments indicate a moderately noticeable influence on its financial performance and market sentiment.
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