Provident Financial Services, I

Valuation Analysis

About the Company

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 o

Provident Financial Services, I Stock at a Glance

Provident Financial Services, I (PFS) is currently trading at $23.52 with a market capitalization of $3.1B. The trailing P/E ratio stands at 10.01x, with a forward P/E of 9.31x. The 52-week range spans from $15.92 to $23.98; the current price is 1.9% below the yearly high. Year-over-year revenue growth stands at +9.2%. The net profit margin stands at 34.6%.

💰 Dividend

Provident Financial Services, I pays an annual dividend of $0.96 per share, representing a yield of 4.08%. The payout ratio stands at 40.85%.

📊 Analyst Rating

6 analysts rate Provident Financial Services, I (PFS) on consensus: Buy. The average price target is $25.00, implying +6.29% from the current price. Analyst price targets range from $23.00 to $26.00.

Provident Financial Services, I: The Investment Case in Detail

Provident Financial Services, I (PFS) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The share is trading at 94.3% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 4.08% combined with a payout ratio of 40.85% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (6.73%).

Trading Data

💵 Dividend Info

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