Provident Financial Services, Inc. (PFS) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Provident Financial Services, Inc. functions as the parent company for Provident Bank, delivering a broad spectrum of financial products and services to individuals, families, and businesses across the United States. Its deposit offerings encompass various account types, including savings, standard and interest-bearing checking accounts, money market accounts, certificates of deposit, and IRA products.
Is Provident Financial Services, Inc. stock overvalued or undervalued in 2026?
Provident Financial Services, Inc. (PFS) trades at 9.6× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROTCE del 14,2 % (2.0×) $44 (+90 %); at its peers' median (1.4×) $30 (+32 %).
Kaplio overview: Provident Financial Services, Inc.
Market cap $3B · 52 weeks $18 – $25 (8 % below the high) · P/E 9.6× · 2027 expected P/E 8.9× · Dividend 4.1 % · Next earnings January 26, 2027 · expected EPS $0.62 · Closing price, Oct 30 · accounts published Oct 28.
- Valuation: P/B 1.1× (justified).
- Business: ROTCE 14.2 % (solid).
- Balance sheet: Capital/assets 11.3 % (solid).
- Earnings: 7 of 8 (on track).
What would it be worth at its usual multiples?
At a P/B justified by its ROTCE del 14,2 % (2.0×) $44 (+90 %); at its peers' median (1.4×) $30 (+32 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 5 of 5 pass
- ROA 1.2 %, passes.
- ROTCE 14.2 %, passes.
- Equity / Assets (Tier 1 proxy) 11.3 %, passes.
- P/B (Price / Book) 1.1×, passes.
- Sustainable dividend yield 4.1 %, passes.
Against its peers (reference peers) — Provident Financial Services, Inc.: P/E 9.6×; P/B 1.1×; ROE 10.8 %; $3.0B. Park National Corporation (P/E 15.4×; P/B 1.9×; ROE 12.3 %; $3.2B), NBT Bancorp Inc. (P/E 12.6×; P/B 1.4×; ROE 11.3 %; $2.7B), Simmons First National Corporation (P/E 12.9×; P/B 1.0×; ROE 7.6 %; $3.3B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 1.1× · median 1.0× · minimum 0.5× · maximum 1.5× · cheap below 0.8× · expensive above 1.2×. It has been cheaper than today 59% of the time over its last ten fiscal years.
Dividend
tight (only raised recently) · Yield 4.1 % ($0.96 per share in 2025) · Years raising it 1 · 5-year growth +0 % a year · Free cash flow coverage payout 43 % · With $1,000 invested today you'd collect $41.40 a year ($3.45 a month).
Profitability
| Return on Equity | 10.82% |
| Return on Invested Capital | 1.11% |
| Return on Assets | 1.20% |
| Gross Margin | 62.88% |
| Operating Margin | 28.61% |
| Net Margin | 22.80% |
Financial Health
| Debt / Equity | 0.98 |
| Current Ratio | 0.00 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.52 |
Price Performance
| 1 month | +2.64% |
| 3 months | -7.05% |
| Year-to-date | +16.15% |
| 1 year | +25.42% |
| 3 years | +61.44% |
| 5 years | -9.61% |
| 10 years | +4.27% |
Dividend History
Paid in the last 12 months: $0.9600 per share in 4 payments.
| Date | Amount |
|---|---|
| 2026-08-14 | $0.2400 |
| 2026-05-15 | $0.2400 |
| 2026-02-13 | $0.2400 |
| 2025-11-14 | $0.2400 |
| 2025-08-15 | $0.2400 |
| 2025-05-16 | $0.2400 |
| 2025-02-14 | $0.2400 |
| 2024-11-15 | $0.2400 |
| 2024-08-16 | $0.2400 |
| 2024-04-26 | $0.2400 |
Amounts adjusted for stock splits.
Related companies: FFBC · SFNC · CVBF · TOWN · TRMK · WAFD · NBTB · BANR
Explore sector: Financial Services · Banks - Regional
More sections of PFS: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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