Provident Financial Services Inc (PFS)vsWells Fargo & Company (WFC)
PFS
Provident Financial Services Inc
$22.40
-0.36%
FINANCIAL SERVICES · Cap: $2.93B
WFC
Wells Fargo & Company
$75.64
-3.88%
FINANCIAL SERVICES · Cap: $242.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 9057% more annual revenue ($81.14B vs $886.01M). PFS leads profitability with a 34.6% profit margin vs 26.7%. WFC appears more attractively valued with a PEG of 1.43. WFC earns a higher WallStSmart Score of 74/100 (B).
PFS
Strong Buy73
out of 100
Grade: B
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 53.5%
Earnings expanding 24.2% YoY
Mega-cap, among the largest globally
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PFS
The strongest argument for PFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.6% and operating margin at 53.5%.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.43 suggests the stock is reasonably priced for its growth.
Bear Case : PFS
The primary concerns for PFS are PEG Ratio.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 0.96 — expect wider price swings.
PFS is growing revenue faster at 9.2% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WFC scores higher overall (74/100 vs 73/100), backed by strong 26.7% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Provident Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Services, Inc. is the banking holding company for Provident Bank offering various banking products and services to individuals, families and businesses in the United States. The company is headquartered in Jersey City, New Jersey.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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