Price Alert

Provident Financial Servi... (PFS)

NYSE: PFS · Real-Time Price · USD

18.77

-0.50 (-2.59%)

At close: Aug 15, 2025, 3:59 PM

18.76

-0.08%

After-hours: Aug 15, 2025, 04:04 PM EDT

Provident Financial Services Statistics

Share Statistics

Provident Financial Services has 130.66M shares outstanding. The number of shares has increased by 0.13% in one year.

Shares Outstanding	130.66M
Shares Change (YoY)	0.13%
Shares Change (QoQ)	0.12%
Owned by Institutions (%)	67.86%
Shares Floating	122.68M
Failed to Deliver (FTD) Shares	5,488
FTD / Avg. Volume	0.87%

Short Selling Information

The latest short interest is 3.13M, so 2.39% of the outstanding shares have been sold short.

Short Interest	3.13M
Short % of Shares Out	2.39%
Short % of Float	3.36%
Short Ratio (days to cover)	5.65

Valuation Ratios

The PE ratio is 17.91 and the forward PE ratio is 7.7. Provident Financial Services's PEG ratio is -0.46.

PE Ratio	17.91
Forward PE	7.7
PS Ratio	1.81
Forward PS	2.5
PB Ratio	0.8
P/FCF Ratio	4.87
PEG Ratio	-0.46

Financial Ratio History

Enterprise Valuation

Provident Financial Services has an Enterprise Value (EV) of 4.29B.

EV / Sales	3.76
EV / EBITDA	20.99
EV / EBIT	10.05
EV / FCF	10.08

Financial Position

The company has a current ratio of 0.16, with a Debt / Equity ratio of 0.93.

Current Ratio	0.16
Quick Ratio	0.16
Debt / Equity	0.93
Debt / EBITDA	11.86
Debt / FCF	5.7
Interest Coverage	0.34

Financial Efficiency

Return on Equity is 4.44% and Return on Invested Capital is 2.15%.

Return on Equity	4.44%
Return on Assets	0.48%
Return on Invested Capital	2.15%
Revenue Per Employee	$650.46K
Profits Per Employee	$65.9K
Employee Count	1,753
Asset Turnover	0.05
Inventory Turnover	n/a

Taxes

Income Tax	34.09M
Effective Tax Rate	22.79%

Stock Price Statistics

The stock price has increased by 6.59% in the last 52 weeks. The beta is 0.87, so Provident Financial Services's price volatility has been higher than the market average.

Beta	0.87
52-Week Price Change	6.59%
50-Day Moving Average	17.73
200-Day Moving Average	18.21
Relative Strength Index (RSI)	50.03
Average Volume (20 Days)	628,751

Income Statement

In the last 12 months, Provident Financial Services had revenue of 1.14B and earned 115.53M in profits. Earnings per share was 1.05.

Revenue	1.14B
Gross Profit	607.16M
Operating Income	149.62M
Net Income	115.53M
EBITDA	204.2M
EBIT	149.62M
Earnings Per Share (EPS)	1.05

Full Income Statement

Balance Sheet

The company has 205.91M in cash and 2.42B in debt, giving a net cash position of -2.22B.

Cash & Cash Equivalents	205.91M
Total Debt	2.42B
Net Cash	-2.22B
Retained Earnings	989.11M
Total Assets	24.55B
Working Capital	3.37B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 426.38M and capital expenditures -1.31M, giving a free cash flow of 425.07M.

Operating Cash Flow	426.38M
Capital Expenditures	-1.31M
Free Cash Flow	425.07M
FCF Per Share	3.88

Full Cash Flow Statement

Margins

Gross margin is 53.25%, with operating and profit margins of 13.12% and 10.13%.

Gross Margin	53.25%
Operating Margin	13.12%
Pretax Margin	13.12%
Profit Margin	10.13%
EBITDA Margin	17.91%
EBIT Margin	13.12%
FCF Margin	37.28%

Dividends & Yields

PFS pays an annual dividend of $1.2, which amounts to a dividend yield of 5.27%.

Dividend Per Share	$1.20
Dividend Yield	5.27%
Dividend Growth (YoY)	0%
Payout Ratio	64.52%
Earnings Yield	5.58%
FCF Yield	20.54%

Dividend Details

Analyst Forecast

The average price target for PFS is $23, which is 26.9% higher than the current price. The consensus rating is "Buy".

Price Target	$23
Price Target Difference	26.9%
Analyst Consensus	Buy
Analyst Count	5

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$5.25
Lynch Upside	-71.03%
Graham Number	23.71
Graham Upside	30.85%

Scores

Altman Z-Score	0.38
Piotroski F-Score	4