Provident Financial Services/$PFS
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About Provident Financial Services
Provident Financial Services Inc is the holding company for The Provident Bank, a community-oriented bank. The Company's operations are solely in the financial services industry and include providing traditional banking and other financial services to its customers. The Company operates in the geographical regions of northern and central New Jersey, Queens and Nassau Counties in New York and eastern Pennsylvania. The Company has a single reporting segment for financial reporting purposes. The majority of the revenue-generating activities that are components of non-interest income are These revenue streams can generally be classified into three broad categories: wealth management revenue, insurance agency income, and banking service charges and other fees.
Ticker
$PFS
Sector
Primary listing
NYSE
Employees
1,777
Headquarters
Website
PFS Metrics
BasicAdvanced
$2.4B
10.33
$1.77
0.87
$0.96
5.26%
Price and volume
Market cap
$2.4B
Beta
0.87
52-week high
$21.54
52-week low
$14.34
Average daily volume
628K
Dividend rate
$0.96
Financial strength
Dividend payout ratio (TTM)
55.00%
Profitability
Net profit margin (TTM)
28.04%
Operating margin (TTM)
50.16%
Effective tax rate (TTM)
28.34%
Revenue per employee (TTM)
$460,000
Management effectiveness
Return on assets (TTM)
0.95%
Return on equity (TTM)
8.78%
Valuation
Price to earnings (TTM)
10.334
Price to revenue (TTM)
2.89
Price to book
0.88
Price to tangible book (TTM)
1.25
Price to free cash flow (TTM)
4.113
Free cash flow yield (TTM)
24.32%
Free cash flow per share (TTM)
4.44
Dividend yield (TTM)
5.26%
Forward dividend yield
5.26%
Growth
Revenue change (TTM)
92.62%
Earnings per share change (TTM)
89.58%
3-year revenue growth (CAGR)
21.17%
3-year earnings per share growth (CAGR)
-5.27%
10-year earnings per share growth (CAGR)
3.07%
3-year dividend per share growth (CAGR)
0.35%
10-year dividend per share growth (CAGR)
4.47%
What the Analysts think about PFS
Analyst ratings (Buy, Hold, Sell) for Provident Financial Services stock.
Bulls say / Bears say
Q2 2025 net income rose to $72.0 million (EPS $0.55) on record revenue of $214.2 million – up 12.5% from Q1 and a turnaround from a $11.5 million loss in Q2 2024 – underscoring robust core profitability (GlobeNewswire).
The merger with Lakeland Bancorp bolstered scale, contributing to assets above $24 billion and driving annualized adjusted ROA to 1.19% and ROE to 10.76%, reflecting successful integration and enhanced shareholder returns (Zacks).
Asset quality remains strong with non-performing assets at just 0.44% of total assets and net charge-offs of 0.03% in Q2 2025, indicating disciplined underwriting and low credit risk in the loan portfolio (StockTitan).
Deposit balances declined by $175 million, or 0.94%, in Q1 2025 amid heightened competition for customer deposits, signaling potential funding cost pressures going forward (GuruFocus).
Management projects net interest margin to narrow following two anticipated 25 basis-point rate cuts in September and November, which could compress future net interest income if asset repricing lags funding costs (The Motley Fool).
The loan origination pipeline shrank to $2.59 billion as of June 30, 2025, down from $2.77 billion at the end of Q1, suggesting a slowdown in deal flow that may weigh on loan growth and fee income in upcoming quarters (GlobeNewswire).
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2025.
PFS Financial Performance
Revenues and expenses
PFS Earnings Performance
Company profitability
PFS News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Provident Financial Services stock?
Provident Financial Services (PFS) has a market cap of $2.4B as of October 20, 2025.
What is the P/E ratio for Provident Financial Services stock?
The price to earnings (P/E) ratio for Provident Financial Services (PFS) stock is 10.33 as of October 20, 2025.
Does Provident Financial Services stock pay dividends?
Yes, the Provident Financial Services (PFS) stock pays dividends to shareholders. As of October 20, 2025, the dividend rate is $0.96 and the yield is 5.26%. Provident Financial Services has a payout ratio of 55% on a trailing twelve-month basis.
When is the next Provident Financial Services dividend payment date?
The next Provident Financial Services (PFS) dividend payment date is unconfirmed.
What is the beta indicator for Provident Financial Services?
Provident Financial Services (PFS) has a beta rating of 0.87. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.