NYSE · Banks - Regional

Provident Financial Services, Inc (PFS) Stock

$23.24 +0.52% NYSE: PFS Financial Services

Valuation

MetricValue
Price$23.24
Market Cap$3.03B
P/E Ratio9.41
P/B Ratio1.01
P/S Ratio2.13
EPS (TTM)$2.23
52-Week High$25.49
52-Week Low$17.69
Dividend Yield4.25%

Financials & Margins

MetricValue
ROE11.00%
ROA1.22%
ROCE1.55%
Gross Margin29.57%
Operating Margin29.50%
Net Margin22.66%
Debt/Equity1.01
Current Ratio0.18

Annual Financials (USD)

Metric20212022202320242025
Revenue$489.0M$554.0M$696.0M$1.1B$1.4B
Operating Profit$227.0M$240.0M$176.0M$150.0M$408.0M
Net Profit$168.0M$176.0M$128.0M$116.0M$291.0M
EPS$2.19$2.35$1.71$1.05$2.23
Op Margin46.4%43.3%25.3%13.1%29.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$13.8B$13.8B$14.2B$24.1B$25.0B
Total Liabilities$12.1B$12.2B$12.5B$21.5B$22.1B
Cash$712.0M$186.0M$180.0M$206.0M$211.0M
Borrowings$637.0M$1.3B$1.5B$2.4B$2.5B

Latest News

Anthony Petrazzuoli Joins Provident Bank as Senior Vice President, Deposit & Payments Operations Director GlobeNewswire · Jul 15, 2026 PFS: What does Argus have to say about PFS? Argus Research · Jul 15, 2026 3 Stocks Under $50 We Approach with Caution StockStory · Jul 10, 2026 Regional Banks Stocks Q1 Results: Benchmarking Provident Financial Services (NYSE:PFS) StockStory · Jul 2, 2026 Provident Financial Services, Inc. Schedules Second Quarter Earnings Conference Call GlobeNewswire · Jul 1, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$157.0M$200.0M$173.0M$426.0M$442.0M
Investing Cash Flow$-730.0M$-657.0M$-477.0M$506.0M$-1.1B
Financing Cash Flow$1.4B$-717.0M$-269.0M$-293.0M$653.0M
Net Cash Flow$180.0M$-526.0M$-6.0M$26.0M$6.0M
Free Cash Flow$143.0M$191.0M$166.0M$425.0M$431.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.26
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y37.11%
Return 3Y53.05%
Return 5Y45.44%

About Provident Financial Services, Inc

Provident Financial Services, Inc (PFS) stock trades at $23.24 with a market capitalization of $3.03B. The stock is valued at a price-to-earnings (P/E) ratio of 9.41, price-to-book of 1.01, price-to-sales of 2.13. Over the past 52 weeks the stock has ranged between $17.69 and $25.49, and currently trades 8.8% below its 52-week high. It pays a dividend yielding 4.25%.

On profitability, Provident Financial Services, Inc generates a return on equity (ROE) of 11.00%, return on capital employed of 1.55%, an operating margin of 29.50%, a net profit margin of 22.66%.

Provident Financial Services, Inc by the numbers, 2016–2025

Between 2016 and 2025 Provident Financial Services, Inc reported revenue of $358.0M rising to $1.4B, a change of +286.3% across 10 years. Compounded, revenue has grown 26.0% a year over five years, 35.7% over three, 21.3% over the last twelve months. Net profit rose to $291.0M.

Operating margin went from 34.9% in 2016 to 29.5% in 2025, a fall of 5.4 percentage points. The most recent net margin is 22.66%. On a trailing twelve-month basis to Jun '26, revenue is $1.4B and net profit $312.0M.

Borrowings rose from $1.6B to $2.5B, cash from operations was $442.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 8.6% over five years, and was 10.3% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Provident Financial Services, Inc (PFS) — frequently asked questions

What is Provident Financial Services, Inc (PFS) stock price today?

Provident Financial Services, Inc (PFS) is currently trading at $23.24, up 0.52% today.

What is PFS P/E ratio?

Provident Financial Services, Inc's P/E ratio is 9.41. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is PFS return on equity (ROE)?

Provident Financial Services, Inc's return on equity (ROE) is 11.00%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is Provident Financial Services, Inc's market cap?

Provident Financial Services, Inc has a market capitalization of $3.03B.

Does PFS pay a dividend?

Yes. Provident Financial Services, Inc currently yields 4.25%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does PFS carry?

Provident Financial Services, Inc has a debt-to-equity ratio of 1.01. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is PFS's profit margin?

Provident Financial Services, Inc reports a net profit margin of 22.66% — the share of revenue left after every cost, including tax and interest.

What sector is PFS in?

Provident Financial Services, Inc is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is PFS listed on?

Provident Financial Services, Inc trades on NYSE under the ticker PFS.

What is PFS's 52-week range?

Over the last year Provident Financial Services, Inc has traded between $17.69 and $25.49.

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Screens PFS currently matches

On the figures above, Provident Financial Services, Inc passes the filters for 21 of our ready-made screens, among them Undervalued Stocks, Low PE Stocks, Undervalued Dividend Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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