Provident Financial Services Inc (PFS)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 25.20 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
8/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 16.2%
- Exp. sales growth 3Y > 5% -15.4%
- EBIT growth 10Y > 5% 14.1%
- Exp. EBIT growth 3Y > 5% 7.0%
- Net debt < 4x EBIT -2.1x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 37.7%
- Return on equity > 15% 20.4%
- ROCE > 15% 7.3%
- Expected return > 10% 21.2%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 35.6% passed
- More than 10% revenue growth is expected for the coming year 6.3% failed
- Share count grows by less than 3% a year 20.4% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 52.4% passed
- Gross margin at 40% or higher and without meaningful erosion 62.7% failed
- Goodwill from acquisitions does not grow faster than revenue 2.5% passed
- Net debt below twice EBITDA 858 m net cash passed
- Operating cash flow covers the profits of the last three years 507 m passed
- Return on capital at 15% or higher, or up versus two years ago 7.3% passed
- Insiders hold at least 10% or are net buyers 2.8% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 8.8% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.45 | 2.40 – 2.50 | 939 | 9.1% | 5 |
| 12/31/2027 | 2.55 | 2.40 – 2.65 | 990 | 4.2% | 6 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.37 | 2.40 | 296 | 61.50 | 16.40 | 239 | 241 |
| 2025: Q1 | 0.49 | 15.20 | 332 | 80.10 | 19.30 | 89 | 87 |
| 2025: Q2 | 0.55 | – | 343 | 27.10 | 21.00 | 187 | 183 |
| 2025: Q3 | 0.55 | 54.00 | 354 | 11.10 | 20.30 | 98 | 97 |
| 2025: Q4 | 0.64 | 71.40 | 353 | 19.40 | 23.60 | 69 | 63 |
| 2026: Q1 | 0.61 | 23.80 | 347 | 4.30 | 22.90 | 85 | 81 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 358 | 125 | 88 | 1.38 | 127 | 1,252 | 9,500 |
| 2017 | 380 | 140 | 94 | 1.45 | 117 | 1,299 | 9,845 |
| 2018 | 419 | 144 | 118 | 1.82 | 156 | 1,359 | 9,726 |
| 2019 | 435 | 147 | 113 | 1.74 | 137 | 8,683 | 9,809 |
| 2020 | 436 | 128 | 97 | 1.39 | 107 | 11,719 | 12,920 |
| 2021 | 489 | 227 | 168 | 2.19 | 158 | 13,144 | 13,781 |
| 2022 | 554 | 240 | 176 | 2.35 | 200 | 1,598 | 13,783 |
| 2023 | 696 | 176 | 128 | 1.71 | 173 | 1,691 | 14,211 |
| 2024 | 1,140 | 150 | 116 | 1.05 | 426 | 2,601 | 24,052 |
| 2025 | 1,383 | 408 | 291 | 2.23 | 442 | 2,833 | 24,981 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Provident Financial Services, Inc. ist die Bankholdinggesellschaft der Provident Bank, die verschiedene Bankprodukte und -dienstleistungen für Privatpersonen, Familien und Unternehmen in den USA anbietet.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 1,817 |
| Headquarters | Jersey City, NJ |
| Address | 239 Washington Street, 07302 Jersey City, United States |
| Phone | 732 590 9200 |
| Website | provident.bank |
| IPO Date | 16. Jan 2003 |
| ISIN | US74386T1051 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Anthony J. Labozzetta | President, CEO & Director | 1964 |
| Ravi Vakacherla | Executive VP and Chief Information & Operations Officer | – |
| George Lista | CEO & President Provident Protection Plus, Inc. | 1960 |
| Christopher P. Martin | Executive Chairman | 1956 |
| Adriano M. Duarte CPA | Executive VP & CFO | 1972 |
| Michael Anthony Perito | Senior VP & Investor Relations Officer | – |
| Bennett Allen MacDougall | Executive VP, General Counsel & Corporate Secretary | 1970 |
| Vito Giannola | Executive VP & Chief Banking Officer | 1977 |
| Kim Strignile | Senior VP of HR business partner director | – |
| William Joseph Fink | Executive VP & Chief Lending Officer of Provident Bank | 1958 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.