# Provident Financial Services Inc (PFS) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $23.72, market value $3.1 billion.

## Valuation
- **P/E (trailing): 9.9×** (5-yr avg 10.2×, 3-yr avg 11.5×). Provident Financial Services Inc trades at 9.9× trailing earnings, close to its own five-year average of 10.2×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.08**. A PEG of 0.08 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 40.6×**. Each dollar of revenue is priced at 40.6×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.3%** (5-yr avg 15.4%). Free cash flow equals 11.3% of the market value, below its five-year average of 15.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 10.1%**. The inverse of the P/E: 10.1% of the price is earned each year.

## Profitability
- **Net margin: 398.3%**. 398.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.3%**. 10.3% on shareholders' equity is solid.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.1%** (3-yr 10.0%/yr, 5-yr 9.9%/yr). Revenue grew 7.1% over the last year, against 9.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 112.4%** (3-yr -1.7%/yr, 5-yr 9.9%/yr). Earnings per share rose 112.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 31.2%/yr**. Free cash flow has compounded at 31.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 4.05%** ($0.48 per share, trailing). Provident Financial Services Inc yields 4.05%, an income-level yield.
- **Payout ratio: 43%** (36% of free cash flow). 43% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 0.9%/yr** (1-yr 0.0%). The dividend has grown 0.9% a year over five years.

## Price and momentum
- **Total return (1 yr): 22.0%** (YTD 22.7%, 3-mo 5.4%). The shares are up 22.0% over twelve months including dividends.
- **From 52-week high: -6.9%** (34.1% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 0.69** (volatility 25%). Beta of 0.69 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PFS · Page: https://foliofundamentals.com/stocks/pfs

Not investment advice.