Provident Financial Services, I (PFS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Provident Financial Services, I

NYSE•Financial Services•Banks - Regional

$23.15-0.01(<0.01%)After hours

Market Cap

$3.01B

P/E

9.6x

P/S

3.3x

P/B

1.0x

Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; residential mortgage loans; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning; and insurance agency operations. Further, it sells insurance and investment products, including annuities; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

How this company scores

GoodMetricSide Score: 75/100

Strongest: Profitability (20/25); weakest: Cash & Earnings Quality (16/25).

Profitability20/25

Growth20/25

Balance Sheet & Red Flags19/25

Cash & Earnings Quality16/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.6x5y range 7.6x – 25.6x

Currently near its 20-quarter median.

P/S · 3.3x5y range 2.3x – 4.1x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.6x – 1.1x

Price & Volume

Market Cap $3.01B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $907.32M
Q. Revenue: $234.65M
TTM EBITDA: $444.29M
TTM Op. Income: $430.09M
Q. Op. Income: $106.06M
TTM Net Income: $312.71M
Q. Net Income: $78.15M
EPS: $0.6
Shares Out.: $130.33M

$907.32M in TTM revenue grew 8.1% YoY, reaching $234.65M last quarter. TTM EBITDA of $444.29M and TTM operating income of $430.09M show growth is flowing through to the bottom line. TTM net income of $312.71M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 45.2%
Op. Margin: 45.2%
Net Margin: 33.3%

Op. margin of 45.2% is down 2.6% YoY — costs are rising relative to revenue. Net margin at 33.3% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.6x
P/S Ratio: 3.3x
P/B Ratio: 1.0x

At 9.6x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.0x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 3% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $25.66B
Cash: $228.29M
Long-Term Debt: $451.60M
Book Value: $2.91B
D/E Ratio: 0.2
Debt/EBITDA: 4.3

With $25.66B in assets and $451.60M in long-term debt, D/E is 0.2and book value is $2.91B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $118.84M
TTM Free Cash Flow: $350.36M
FCF Margin: 38.6%
FCF / Net Income: 1.1

TTM FCF of $350.36M on $118.84M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.