Stock AnalizProvident Financial Services Inc. PFS
Savings Institutions · IPO 2003 · data as of November 13, 2026
Provident Financial Services Inc. (PFS) is a financial company listed in the US with a market value of about $3.0B. In the twelve months to September 30, 2026 it had revenue of $924M and net income of $310M, a net margin of 33.6%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is future growth (5/5); the weakest is track record (2/5).
Key numbers: a P/E of 9.6, a price to free cash flow of 9.8, 5-year revenue growth of 18% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 28% below the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
- Stock-based pay below 5% of revenue
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $924M | $870M | $695M | $479M | $505M | $453M | $385M | $362M | $359M | $334M | $314M |
| Net income | $310M | $291M | $116M | $128M | $176M | $168M | $97M | $113M | $118M | $94M | $88M |
| Free cash flow | $302M | $431M | $425M | $166M | $191M | $143M | $90M | $132M | $153M | $114M | $122M |
| EPS (diluted) | $2.38 | $2.23 | $1.05 | $1.71 | $2.35 | $2.19 | $1.39 | $1.74 | $1.82 | $1.45 | $1.38 |
| Net margin | 33.6% | 33.5% | 16.6% | 26.8% | 34.8% | 37.1% | 25.2% | 31.1% | 32.9% | 28.1% | 28.0% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $27.83, 22% above the current price; targets range from $25.00 to $30.00; the consensus rating is “Buy”; expected EPS is $2.49 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Provident Financial Services’s P/E ratio?
About 9.6, based on the last twelve months of diluted earnings per share (forward P/E about 9.0).
Is Provident Financial Services stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 28% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Provident Financial Services pay a dividend?
Yes. The dividend yield is about 4.17%, and it has paid dividends for 10 years in our data.
Is Provident Financial Services a good stock to buy?
We do not give buy or sell advice. Provident Financial Services scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.