Valuation dashboard for Provident Financial Services, Inc. (PFS) with P/E 9.64, P/B 1.04, EV/EBITDA 11.76 and dividend yield 4.18%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
Analysis Summary
Provident Financial Services, Inc. reported revenue of $1.38B in the most recent fiscal year, growing at a 5-year CAGR of 26.0%. Net income reached $291.2M, with a 24.6% 5-year CAGR.
Trailing-twelve-month margins: gross margin 62.9%, operating margin 28.6%, net margin 22.8%.
At $22.94 (closing price, October 30, 2026), PFS trades at a P/E of 9.64 and an ROE of 10.82%. Market capitalisation stands at $3.0B.
Balance sheet quality for PFS: current ratio of 0.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 9.64 |
| Price / Book | 1.04 |
| EV / EBITDA | 11.76 |
| Dividend Yield | 4.18% |
Valuation Models
| DCF Fair Value | $65.33 |
| vs Current Price | +184.8% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PFS | Provident Financial Services, Inc. | $3.0B | 9.64 | 1.04 | 10.8% |
| FFBC | First Financial Bancorp. | $3.4B | 11.35 | 1.17 | 10.2% |
| SFNC | Simmons First National Corporation | $3.3B | 12.94 | 1.00 | 7.6% |
| CVBF | CVB Financial Corp. | $4.0B | 14.29 | 1.26 | 8.5% |
| TOWN | TowneBank | $3.4B | 10.18 | 1.07 | 12.4% |
| TRMK | Trustmark Corporation | $2.6B | 11.05 | 1.22 | 11.1% |
| WAFD | WaFd, Inc. | $2.2B | 8.87 | 0.72 | 8.5% |
| NBTB | NBT Bancorp Inc. | $2.7B | 12.55 | 1.39 | 11.3% |
Price
| Price | $22.94 (closing price, October 30, 2026) |
| Market Cap | $3.0B |
| Exchange | NYSE |
| Country | US |
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% |
Related companies: FFBC · SFNC · CVBF · TOWN · TRMK · WAFD · NBTB · BANR
Explore sector: Financial Services · Banks - Regional
More sections of PFS: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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