Provident Financial Services Inc (PFS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Provident Financial Services Inc stock (PFS) is currently trading at $20.88. Provident Financial Services Inc PE ratio is 9.10. Provident Financial Services Inc PS ratio (Price-to-Sales) is 3.06. Analyst consensus price target for PFS is $25.00. WallStSmart rates PFS as Buy.
- PFS PE ratio analysis and historical PE chart
- PFS PS ratio (Price-to-Sales) history and trend
- PFS intrinsic value — DCF, Graham Number, EPV models
- PFS stock price prediction 2025 2026 2027 2028 2029 2030
- PFS fair value vs current price
- PFS insider transactions and insider buying
- Is PFS undervalued or overvalued?
- Provident Financial Services Inc financial analysis — revenue, earnings, cash flow
- PFS Piotroski F-Score and Altman Z-Score
- PFS analyst price target and Smart Rating
Provident Financial Services Inc
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PFS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Provident Financial Services Inc (PFS)
PFS trades at a significant discount to its Graham intrinsic value of $104.36, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Provident Financial Services Inc (PFS) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Provident Financial Services Inc (PFS) Key Strengths (6)
Keeps $55 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 72.10% year-over-year
Keeps $34 of every $100 in revenue as net profit
74.08% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Provident Financial Services Inc (PFS) Areas to Watch (4)
Moderate profitability with room for improvement
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.06x sales
Solid revenue growth at 15.20% per year
Provident Financial Services Inc (PFS) Detailed Analysis Report
Overall Assessment
This company scores 80/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 5.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.94) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 54.50%, Profit Margin at 33.60%. Growth metrics are encouraging with EPS Growth at 72.10%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (1.61), Price/Sales (3.06) suggest expensive pricing. Growth concerns include Revenue Growth at 15.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PFS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PFS's Price-to-Sales ratio of 3.06x trades at a deep discount to its historical average of 6.72x (0th percentile). The current valuation is 71% below its historical high of 10.65x set in Dec 2016, and 0% above its historical low of 3.06x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Provident Financial Services Inc (PFS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Provident Financial Services Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 867M with 15% growth year-over-year. Profit margins are strong at 33.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 33.6% and operating margin of 54.5% demonstrate strong pricing power and operational efficiency.
Generating 62M in free cash flow and 69M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 4.7%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Provident Financial Services Inc.
Bottom Line
Provident Financial Services Inc offers an attractive blend of growth (15% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Provident Financial Services Inc(PFS)
NYSE
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.