
Provident Financial Services, Inc.
PFSNYSEFinancial ServicesBanks - Regional
Previous close
$23.71
+$0.02 · +0.08%
PFS company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
90
Deep Value
Momentum
53
Neutral
Sentiment
69
Bullish
Risk resilience
79
Moderate Risk
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Company profile
Company websiteProvident 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. The company's extensive loan portfolio features commercial real estate loans, which are collateralized by properties such as multi-family apartment complexes, office buildings, retail spaces, and industrial sites. It also provides commercial business loans, alongside fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residential properties. Further loan options include commercial construction loans and a range of consumer loans like home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and financing for automobiles and recreational vehicles. Beyond these, Provident delivers essential banking solutions such as cash management, remote deposit capture, payroll origination, escrow account management, and convenient online and mobile banking services, in addition to offering business credit cards. The company also extends wealth management services, covering investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. In a broader capacity, Provident sells insurance and investment products, including annuities. It also operates as a real estate investment trust (REIT), focused on acquiring mortgage loans and other real estate-related assets, and actively manages and sells properties obtained through foreclosure. As of December 31, 2021, the company maintained 96 full-service branch offices situated across northern and central New Jersey, as well as specific counties in Pennsylvania and New York. Provident Financial Services, Inc. was founded in 1839 and is headquartered in Jersey City, New Jersey.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Anthony J. Labozzetta
- Listed since
- Jan 16, 2003
- Employees
- 1,842
Market position
Day range
Current $23.71
52-week range
Current $23.71
- Open
- $23.88
- Previous close
- $23.69
- Volume
- 485.79K
- 0.49× average
- Average volume
- 995.57K
- Average daily volume
- Market cap
- 3.09B USD
- Beta
- 0.78
- Market reference 1
- 50-day average
- $23.9218
- -0.89% below average
- 200-day average
- $21.8559
- +8.48% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 4.88B USD
- P/E (TTM)
- 9.88×
- P/B (TTM)
- 1.06×
- P/S (TTM)
- 2.24×
- EV / EBITDA
- 10.31×
- Earnings yield
- 11.30%
- Free cash flow yield
- 16.71%
- Dividend yield
- 4.05%
Profitability & efficiency
- Gross margin
- 63.16%
- Operating margin
- 28.85%
- Net margin
- 22.66%
- Return on equity
- 10.28%
- Return on assets
- 1.17%
- Return on invested capital
- -1.95%
Financial health
- Debt / equity
- 0.97×
- Current ratio
- 0.18×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.38B USD | 1.14B USD | 695.65M USD | 553.97M USD | 489.15M USD |
| Cost of goods sold | 515.79M USD | 533.09M USD | 244.53M USD | 53.63M USD | 13.49M USD |
| Gross profit | 866.82M USD | 607.16M USD | 451.12M USD | 500.34M USD | 475.66M USD |
| Selling, general, and administrative | 271.57M USD | 236.45M USD | 161.9M USD | 157.59M USD | 153.58M USD |
| Operating expenses | 458.66M USD | 457.55M USD | 275.34M USD | 260.23M USD | 248.54M USD |
| Interest income | 1.27B USD | 1.05B USD | 615.82M USD | 466.18M USD | 402.34M USD |
| Interest expense | 512.21M USD | 445.52M USD | 216.37M USD | 48.63M USD | 36.32M USD |
| Depreciation and amortization | 65.51M USD | 54.59M USD | 22.19M USD | 23.71M USD | 22.73M USD |
| Operating income | 408.16M USD | 149.62M USD | 175.78M USD | 240.11M USD | 227.12M USD |
| Net income | 291.16M USD | 115.53M USD | 128.4M USD | 175.65M USD | 167.92M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 73%
- 8 beats, 3 misses, 0 met estimates
- Average EPS surprise
- -5.55%
- 11 comparable reports
- Latest EPS result
- 0.6
- Estimate 0.57 · Beat by 6.19%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$26.50
11.77% upsideRating distribution
10 ratingsPFS peers
ETFs holding PFS
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR194.78M0.17%111.19B USD0.06%$147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI97.66M0.00%2.3T USD0.03%$378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV88.48M0.28%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 ETFIWM75.77M0.09%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB70.24M0.04%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR44.61M0.06%68.3B USD0.05%$249.18+0.68%
Vanguard Extended Market ETFVXF37.08M0.04%93.7B USD0.05%$245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE30.75M0.76%4.06B USD0.35%$74.86+0.20%
iShares Core S&P Small-Cap ETFIJR- Market value
- 194.78M
- Weight
- 0.17%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 97.66M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 88.48M
- Weight
- 0.28%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 ETFIWM- Market value
- 75.77M
- Weight
- 0.09%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 70.24M
- Weight
- 0.04%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 44.61M
- Weight
- 0.06%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
Vanguard Extended Market ETFVXF- Market value
- 37.08M
- Weight
- 0.04%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 30.75M
- Weight
- 0.76%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $74.86+0.20%
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