Provident Financial Services (PFS) Stock Price, News & Analysis

Company Overview

Provident Financial Services, Inc. is the bank holding company for Provident Bank, a regional commercial bank headquartered in Jersey City, New Jersey. The company operates a network of full-service branches across New Jersey, the New York metropolitan area and eastern Pennsylvania, offering a range of personal and business banking solutions.

Its core products and services include checking and savings accounts, consumer and residential mortgage loans, commercial real estate financing and small-business lending. The company also provides treasury and cash management services, merchant services and online and mobile banking platforms to support both individual and corporate clients.

In addition to traditional banking, Provident Financial Services delivers trust and wealth management services through its fiduciary division, offering retirement planning, investment management and estate-planning solutions. These advisory services are tailored to high-net-worth individuals, families and institutions seeking customized financial guidance.

Headquartered in Jersey City, Provident Financial Services traces its roots to one of New Jersey’s oldest financial institutions. David P. Chase serves as President and Chief Executive Officer, overseeing the company’s strategic initiatives, risk management and community banking efforts.

Key Stats

• Today's Range: $19.55 to $19.94
• 50-Day Range: $17.88 to $20.33
• 52-Week Range: $14.34 to $22.24
• Volume: 512,559 shs
• Average Volume: 572,769 shs
• Market Capitalization: $2.58 billion
• P/E Ratio: 11.17
• Dividend Yield: 4.86%
• Price Target: $22.70
• Consensus Rating: Buy

Provident Financial Services Stock Analysis - MarketRank™

Provident Financial Services scored higher than 79% of companies evaluated by MarketBeat, and ranked 313th out of 938 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.4 / 5
• Analyst Rating: Buy

Consensus Rating

Provident Financial Services has received a consensus rating of Buy. The company's average rating score is 3.20, and is based on 4 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Provident Financial Services has a consensus price target of $22.70, representing about 14.8% upside from its current price of $19.77.

Amount of Analyst Coverage

Provident Financial Services has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 5.61%

Earnings Growth

Earnings for Provident Financial Services are expected to grow by 5.61% in the coming year, from $2.14 to $2.26 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Provident Financial Services is 11.17, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 297.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of Provident Financial Services is 11.17, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 240.55.

Price to Book Value per Share Ratio

Provident Financial Services has a P/B Ratio of 0.99. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.63% of the float of Provident Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Provident Financial Services has a short interest ratio ("days to cover") of 5.4.

Change versus previous month

Short interest in Provident Financial Services has recently increased by 3.42%, indicating that investor sentiment is decreasing.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Provident Financial Services is a leading dividend payer. It pays a dividend yield of 4.82%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Provident Financial Services does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Provident Financial Services is 54.24%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Provident Financial Services will have a dividend payout ratio of 42.48% next year. This indicates that Provident Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.63% of the float of Provident Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Provident Financial Services has a short interest ratio ("days to cover") of 5.4.

Change versus previous month

Short interest in Provident Financial Services has recently increased by 3.42%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.74

News Sentiment

Provident Financial Services has a news sentiment score of 0.74. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.99 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Provident Financial Services this week, compared to 5 articles on an average week.

Search Interest

Only 1 people have searched for PFS on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

MarketBeat Follows

1 people have added Provident Financial Services to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Provident Financial Services insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $557,450.00 in company stock.

Percentage Held by Insiders

Only 3.10% of the stock of Provident Financial Services is held by insiders.

Percentage Held by Institutions

71.97% of the stock of Provident Financial Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PFS Stock Analysis - Frequently Asked Questions

How have PFS shares performed this year?

Provident Financial Services' stock was trading at $18.87 at the start of the year. Since then, PFS shares have increased by 4.8% and is now trading at $19.7670.

How were Provident Financial Services' earnings last quarter?

Provident Financial Services, Inc (NYSE:PFS) released its quarterly earnings data on Thursday, July, 24th. The savings and loans company reported $0.55 earnings per share for the quarter, topping the consensus estimate of $0.50 by $0.05. The savings and loans company had revenue of $214.17 million for the quarter, compared to the consensus estimate of $213.39 million. Provident Financial Services had a net margin of 16.97% and a trailing twelve-month return on equity of 8.80%.
Read the conference call transcript.

Who are Provident Financial Services' major shareholders?

Top institutional shareholders of Provident Financial Services include State Street Corp (5.27%), Geode Capital Management LLC (2.35%), Systematic Financial Management LP (1.51%) and American Century Companies Inc. (1.26%). Insiders that own company stock include Christopher P Martin, Vito Giannola, John Pugliese, Frank L Fekete, Matthew K Harding, James A Christy, James P Dunigan, Walter Sierotko, George Lista, Robert Mcnerney and Anthony J Labozzetta.
View institutional ownership trends.

How do I buy shares of Provident Financial Services?

Shares of PFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Provident Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Provident Financial Services investors own include American Water Works (AWK), Humana (HUM), Waste Connections (WCN), The RMR Group (RMR), AU Optronics (AUOTY), Voyager Therapeutics (VYGR) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 7/24/2025
• Record date for 8/29 Dividend: 8/15/2025
• Ex-Dividend for 8/29 Dividend: 8/15/2025
• Dividend Payable: 8/29/2025
• Today: 9/22/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NYSE:PFS
• CIK: 1178970
• Web: www.provident.bank
• Phone: (732) 590-9200
• Fax: 201-915-5480
• Employees: 1,801
• Year Founded: 1839

Price Target and Rating

• Average Price Target for Provident Financial Services: $22.70
• High Price Target: $24.00
• Low Price Target: $21.00
• Potential Upside/Downside: +14.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.20
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.77
• Trailing P/E Ratio: 11.17
• Forward P/E Ratio: 9.24
• P/E Growth: N/A
• Net Income: $115.53 million
• Net Margins: 16.97%
• Pretax Margin: 23.67%
• Return on Equity: 8.80%
• Return on Assets: 0.96%

Debt

• Debt-to-Equity Ratio: 1.04
• Current Ratio: 1.03
• Quick Ratio: 1.03

Sales & Book Value

• Annual Sales: $1.14 billion
• Price / Sales: 2.26
• Cash Flow: $1.33 per share
• Price / Cash Flow: 14.88
• Book Value: $19.93 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: 130,620,000
• Free Float: 126,575,000
• Market Cap: $2.58 billion
• Optionable: Optionable
• Beta: 0.94