PFS$18.93
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AI PFS Summary
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Powered by LiveAIOverall Analysis
BuyProvident Financial Services, Inc. (PFS) presents a mixed but generally positive investment profile. Strong dividend yield and solid historical profitability are offset by mixed recent earnings performance and a neutral technical outlook. The company operates within the stable banking sector, offering a blend of traditional financial services.
Thematic
Provident Financial Services operates within the banking sector, which is influenced by broader economic trends, interest rate policies, and regulatory changes. Its focus on community banking and wealth management provides a stable, though not high-growth, thematic exposure.
Fundamental
PFS demonstrates a solid fundamental base with a consistent dividend payout and a history of profitability, though recent earnings have shown volatility. The balance sheet appears stable, and the company's valuation metrics are generally reasonable.
Technical
The technical indicators for PFS suggest a neutral to slightly bullish short-term trend. While the stock is trading above key moving averages, some oscillators are signaling overbought conditions, indicating potential for a pause or minor correction.
| Factor | Score |
|---|---|
| Community Banking Focus | 70 |
| Wealth Management Services | 75 |
| Interest Rate Sensitivity | 50 |
| Digital Transformation in Banking | 65 |
| Regulatory Landscape | 60 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 70 |
| Growth | 70 |
| Balance Sheet Health | 65 |
| Cash Flow | 80 |
| Dividend Yield | 90 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 60 |
| Volume Confirmation | 70 |
| Support & Resistance | 65 |
| Short-term Oscillators | 50 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent EPS Growth
The company has shown a positive trend in Earnings Per Share (EPS), with reported EPS exceeding estimates in several recent quarters, indicating strong operational performance and effective management.
Attractive P/E Ratio
The trailing Price-to-Earnings (P/E) ratio of 16.53 is below the industry average, suggesting the stock may be undervalued relative to its earnings potential and market peers.
Bearish Points (6)
High Price-to-Sales Ratio
The trailing Price-to-Sales (P/S) ratio of 11.5 is high, suggesting that the market may be valuing the company's revenue stream at a premium, which could be a risk if sales growth falters.
Declining Net Margins
Net margins have decreased from 37.1% in Q4 2021 to 16.6% in Q4 2024, indicating potential pressure on profitability and a possible slowdown in efficient revenue-to-profit conversion.
Calendar
May 2025
16
Ex-Dividend Date
May 2025
30
Next Dividend Date
July 2025
24
Next Earnings Date
H: $0.55
A: $0.54
L: $0.54
H: 221.60M
A: 219.64M
L: 218.33M
Profile
Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning. Further, it sells insurance and investment products, including annuities; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.
Seasonals
Price Target
21.25 USD
The 39 analysts offering 1 year price forecasts for PFS have a max estimate of 22.50 and a min estimate of 19.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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Direct competitor; a regional bank with significant operations in New Jersey, mirroring PFS's core market.
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Direct competitor; operates in the savings and loan industry with a similar business model to PFS.
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Direct competitor; a regional bank providing a broad range of financial services akin to Provident Financial Services.