PROVIDENT FINANCIAL SERVICES
PFSNYSETrading Snapshot
- Day Range
- $22.14 – $22.35
- 52-Week Range
- $17.69 – $25.49
- Volume
- $5.30B
- Avg Volume
- $5.84B
- Shares Outstanding
- 130.3M
- Next Earnings
- Dec 8, 2026
Fundamentals Snapshot
- Annual Revenue
- $1.38B
- Last Q Revenue
- $327M
- P/E Ratio
- 9.4
- P/S Ratio
- 2.3x
- EPS (TTM)
- $2.40
- Dividend Yield
- 4.22%
- Dilution (1yr)
- +0.3%
Why Investors Own PFS
- ✓High-growth profile — revenue up +55.1% YoY with expanding US Equity exposure.
- ✓Healthy economics — 66% gross margin and 26% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
PROVIDENT FINANCIAL SERVICES
PFS
StockOtter · stockotter.spaceAbout PROVIDENT FINANCIAL SERVICES
Provident Financial Services, Inc. functions as the parent company for Provident Bank, delivering a broad spectrum of financial products and services to individuals, families, and businesses across the United States. Its deposit offerings encompass various account types, including savings, standard and interest-bearing checking accounts, money market accounts, certificates of deposit, and IRA products. The company's extensive loan portfolio features commercial real estate loans, which are collateralized by properties such as multi-family apartment complexes, office buildings, retail spaces, and industrial sites. It also provides commercial business loans, alongside fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residential properties. Further loan options include commercial construction loans and a range of consumer loans like home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and financing for automobiles and recreational vehicles. Beyond these, Provident delivers essential banking solutions such as cash management, remote deposit capture, payroll origination, escrow account management, and convenient online and mobile banking services, in addition to offering business credit cards. The company also extends wealth management services, covering investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. In a broader capacity, Provident sells insurance and investment products, including annuities. It also operates as a real estate investment trust (REIT), focused on acquiring mortgage loans and other real estate-related assets, and actively manages and sells properties obtained through foreclosure. As of December 31, 2021, the company maintained 96 full-service branch offices situated across northern and central New Jersey, as well as specific counties in Pennsylvania and New York. Provident Financial Services, Inc. was founded in 1839 and is headquartered in Jersey City, New Jersey.
Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)Analyst Price Target
ⓘLatest News & Updates
PROVIDENT FINANCIAL SERVICES tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift PFS price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
PROVIDENT FINANCIAL SERVICES announces new agreement to expand its footprint
The move broadens the company’s reach and could add incremental revenue over the next year.