Provident Financial Services, Inc. (PFS)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 385 | 453 | 505 | 479 | 695 | 870 | 875 | - |
| Operating profit | $m | 408 | 398 | ||||||
| Net profit | $m | 97 | 168 | 176 | 128 | 116 | 291 | 313 | 322 |
| EPS reported | $ | 2.23 | 2.40 | ||||||
| Operating cashflow per share | $ | 3.39 | 2.84 | ||||||
| Capex per share | $ | 0.09 | 0.06 | ||||||
| FCF per share | $ | 3.30 | 2.78 | ||||||
| Free cash flow | $m | 431 | 363 | ||||||
| Net debt | $m | -858 | 1,277 | ||||||
| Book value equity | $m | 2,833 | 2,907 | ||||||
| Book value per share | $ | 21.71 | 22.29 | ||||||
| Number of shares | m | 130.51 | 130.39 | ||||||
| DPS (TTM paid) | $ | 0.96 | 0.96 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.86 | 9.39 | ||||||
| P/B LTM | x | 0.91 | 0.89 | ||||||
| P/S LTM | x | 2.96 | 2.94 | ||||||
| P/FCF LTM | x | 5.98 | 7.11 | ||||||
| EV/EBITDA LTM | x | 10.31 | 10.04 | ||||||
| EV/Sales LTM | x | 3.53 | 4.20 | ||||||
| Earnings Yield LTM | % | +11.29% | +10.65% | ||||||
| FCF Yield | % | +16.71% | +14.07% | ||||||
| Quality | |||||||||
| ROE | % | +10.28% | +11.00% | ||||||
| ROIC | % | -1.95% | +4.48% | ||||||
| Operating margin | % | +29.52% | +28.85% | ||||||
| Gross margin | % | +62.69% | +63.16% | ||||||
| FCF/Sales | % | +31.15% | +26.28% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +112.38% | +128.57% | ||||||
| Sales Growth YoY | % | +25.29% | +26.00% | ||||||
| Net Income Growth YoY | % | +152.03% | +170.69% | ||||||
| FCF Growth | % | +1.33% | -14.68% | ||||||
| Operating Profit Growth | % | +172.80% | +166.10% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.88% | +3.90% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +43.26% | +39.72% | ||||||
| FCF/Debt | x | 0.17 | 0.08 | ||||||
| Net Debt/EBITDA | x | 4.87 | 5.32 | ||||||
| EBIT/Net interest | x | 0.80 | 0.79 | ||||||
| Net debt/market cap | % | +97.71% | +1.49% | ||||||
| Net debt/Equity | x | -0.30 | 0.44 | ||||||
| Gross debt/equity | x | 0.89 | 1.65 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Provident 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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Provident Financial Services, Inc. (PFS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Provident 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.
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