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
9.33
$1.96
0.89
$0.96
5.25%
Price and volume
Market cap
$2.4B
Beta
0.89
52-week high
$21.54
52-week low
$14.34
Average daily volume
614K
Dividend rate
$0.96
Financial strength
Profitability
Net profit margin (TTM)
30.62%
Operating margin (TTM)
51.42%
Effective tax rate (TTM)
28.54%
Revenue per employee (TTM)
$470,000
Management effectiveness
Return on assets (TTM)
1.05%
Return on equity (TTM)
9.51%
Valuation
Price to earnings (TTM)
9.331
Price to revenue (TTM)
2.851
Price to book
0.86
Price to tangible book (TTM)
1.21
Dividend yield (TTM)
5.25%
Forward dividend yield
5.25%
Growth
Revenue change (TTM)
59.19%
Earnings per share change (TTM)
99.22%
3-year revenue growth (CAGR)
20.46%
3-year earnings per share growth (CAGR)
-3.45%
10-year earnings per share growth (CAGR)
3.97%
3-year dividend per share growth (CAGR)
-37.00%
10-year dividend per share growth (CAGR)
-9.20%
What the Analysts think about PFS
Analyst ratings (Buy, Hold, Sell) for Provident Financial Services stock.
Bulls say / Bears say
Provident reported record Q2 2025 revenue of $214 million, marking a second consecutive quarter of record revenue and highlighting strong core banking performance. (Nasdaq)
The commercial and industrial loan portfolio grew at a 21% annualized rate quarter-over-quarter in Q2 2025, improving portfolio diversification and supporting higher net interest income. (Nasdaq)
Net interest margin widened to 3.36% in Q2 2025, up two basis points from the previous quarter, reflecting effective asset repricing and strong margin management in a higher rate environment. (Nasdaq)
Rising net charge-offs of $8.7 million in Q3 2025 exceeded the modest $2.2 million provision for credit losses, reducing the allowance by $6.5 million and signaling potential asset quality concerns. (SEC)
Fitch analysts caution that smaller banks like PFS will face net interest margin pressure as they increase rates to retain deposits. Deposit betas at regional banks are now in the low-60% range, much higher than the 15–19% seen at larger banks, putting further pressure on net interest income. (Reuters)
Community banks are projected to raise loan loss provisions to 14.9% of net revenue in 2025, up from 12.7% year-to-date, posing a significant earnings headwind as growing economic uncertainty forces higher reserves. (S&P Global)
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2025.
PFS Financial Performance
Revenues and expenses
PFS Earnings Performance
Company profitability
PFS News
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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 November 07, 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 9.33 as of November 07, 2025.
Does Provident Financial Services stock pay dividends?
Yes, the Provident Financial Services (PFS) stock pays dividends to shareholders. As of November 07, 2025, the dividend rate is $0.96 and the yield is 5.25%. Provident Financial Services has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Provident Financial Services dividend payment date?
The next Provident Financial Services (PFS) dividend payment is scheduled for November 28, 2025.
What is the beta indicator for Provident Financial Services?
Provident Financial Services (PFS) has a beta rating of 0.89. 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.