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    P

    Provident Financial Services Inc (PFS)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $22.19
    +0.23 (+1.05%)

    Market Cap: $2.86B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    69%(27/39)
    Avg Surprise
    +5.05%
    Streak
    6 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.61
    Range$0.59 - $0.63
    6 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.59+4.3%
    60d ago$0.61-0.5%
    30d ago$0.61-0.5%
    7d ago$0.61-0.3%
    Current$0.61
    Revenue Consensus
    $238M
    Range$237M - $240M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.73
    Range$0.68 - $0.78
    6 analysts
    Revenue Consensus
    $247M
    Range$242M - $251M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.73---
    Sep 26EST
    		-$0.61---
    Jun 26
    Reported Jul 29
    		$0.60$0.56+7.14%Beat+9.1%
    Mar 26
    Reported Apr 29
    		$0.61$0.55+10.91%Beat+19.6%
    Dec 25
    Reported Jan 27
    		$0.64$0.56+14.29%Beat+30.6%
    Sep 25
    Reported Oct 29
    		$0.55$0.54+1.85%Beat+52.8%
    Jun 25
    Reported Jul 24
    		$0.55$0.50+10.00%Beat+600.0%
    Mar 25
    Reported Apr 24
    		$0.51$0.47+8.51%Beat+18.6%
    Dec 24
    Reported Jan 28
    		$0.49$0.50-2.00%Miss+36.1%
    Sep 24
    Reported Oct 29
    		$0.36$0.47-23.40%Miss-5.3%
    Jun 24
    Reported Jul 25
    		$-0.11N/A-129.73%Miss-125.6%
    Mar 24
    Reported Apr 18
    		$0.43$0.40+7.50%Beat-20.4%
    Dec 23
    Reported Jan 25
    		$0.36$0.40-10.00%Miss-45.5%
    Sep 23
    Reported Oct 26
    		$0.38$0.43-11.63%Miss-34.5%
    Jun 23
    Reported Jul 27
    		$0.43$0.43+0.00%Beat-18.9%
    Mar 23
    Reported Apr 27
    		$0.54$0.59-8.47%Miss-6.9%
    Dec 22
    Reported Jan 27
    		$0.66$0.63+4.76%Beat+34.7%
    Sep 22
    Reported Oct 28
    		$0.58$0.58+0.00%Beat+18.4%
    Jun 22
    Reported Jul 29
    		$0.53$0.52+1.92%Beat-8.6%
    Mar 22
    Reported Apr 29
    		$0.58$0.46+26.09%Beat-7.9%
    Dec 21
    Reported Jan 28
    		$0.49$0.47+4.26%Beat-12.5%
    Sep 21
    Reported Oct 29
    		$0.49$0.47+4.26%Beat+22.5%
    Jun 21
    Reported Jul 30
    		$0.58$0.45+28.89%Beat+141.7%
    Mar 21
    Reported Apr 30
    		$0.63$0.43+46.51%Beat+152.0%
    Dec 20
    Reported Jan 29
    		$0.56$0.36+55.56%Beat+40.0%
    Sep 20
    Reported Oct 30
    		$0.40$0.18+122.22%Beat-18.4%
    Jun 20
    Reported Jul 30
    		$0.24$0.15+60.00%Beat-36.8%
    Mar 20
    Reported Apr 30
    		$0.25$0.34-26.47%Miss-47.9%
    Dec 19
    Reported Jan 31
    		$0.40$0.43-6.98%Miss-20.0%
    Sep 19
    Reported Oct 25
    		$0.49$0.45+8.89%Beat-9.3%
    Jun 19
    Reported Jul 26
    		$0.38$0.47-19.15%Miss+26.7%
    Mar 19
    Reported Apr 26
    		$0.48$0.46+4.35%Beat+11.6%
    Dec 18
    Reported Feb 1
    		$0.50$0.49+2.04%Beat+38.9%
    Sep 18
    Reported Oct 26
    		$0.54$0.46+17.39%Beat+31.7%
    Jun 18
    Reported Jul 27
    		$0.30$0.38-21.05%Miss-21.1%
    Mar 18
    Reported Apr 27
    		$0.43$0.43+0.00%Beat+16.2%
    Dec 17
    Reported Jan 26
    		$0.36$0.39-7.69%Miss+2.9%
    Sep 17
    Reported Oct 27
    		$0.41$0.37+10.81%Beat-
    Jun 17
    Reported Jul 28
    		$0.38$0.36+5.56%Beat-
    Mar 17
    Reported Apr 28
    		$0.37$0.36+2.78%Beat-
    Dec 16
    Reported Jan 27
    		$0.35$0.36-2.78%Miss-

    Dividends

    Dividend Metrics

    Forward Yield4.33%
    Forward Annual Dividend$0.96
    Payout Ratio40.01%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.85%
    PFS dividend history and ex-dividend datesRun PFS in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.25EV/EBITDA10.59x
    Price/FCF8.25xFCF Yield12.11%
    Profitability
    Profit Margin35.00%Operating Margin52.30%
    ROE11.10%ROIC5.46%
    Financial Health
    Debt/Equity0.97xInterest Coverage0.85x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.82Avg Volume944.58K
    52-Week High$25.2552-Week Low$17.06

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$22.18
    SMA 20$22.38
    SMA 50$23.20
    SMA 200$22.23
    EMA 10$22.19
    EMA 20$22.41
    EMA 50$22.86
    EMA 200$22.00

    MACD

    Line: -0.31Signal: -0.33Hist: 0.01

    ADX

    ADX: 35.1+DI: 18.6-DI: 31.4

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down60.0
    PSAR$22.67

    Bollinger Bands

    Upper Band$23.02
    Lower Band$21.74
    %B Position573%(Upper)
    Band Width0.35

    RSI (14-Day)

    Neutral
    41.7

    Momentum Oscillators

    Stoch %K32.1
    Stoch %D30.8
    Williams %R-54.7
    ROC (10d)-0.7%
    Momentum-0.16
    CCI (20d)-54.6
    MFI (14d)27.7

    Volatility Measures

    ATR (14d)$0.40(1.8%)
    StdDev (20d)0.32
    Hist Vol14.4%(Low)

    Volume Flow

    VWAP$22.16
    OBV8.7M
    AD Line-658.2M
    CMF (20d)0.020

    Volume Metrics

    Avg Vol (20d)922.4K
    Vol Ratio1.1x
    VWMA (20d)$22.41

    Pivot Points

    R3$22.52
    R2$22.29
    R1$22.13
    Pivot Point$21.90
    S1$21.73
    S2$21.50
    S3$21.34

    Advanced Oscillators

    TSI-25.15
    Ultimate Osc51.7
    KST-49.37

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$234.65M$225.20M$225.72M$221.75M$214.17M$208.76M$205.91M$210.56M$163.78M$114.48M$114.76M$115.56M
    Cost of RevenueN/A$119.21M$126.22M$138.99M$126.33M$124.26M$139.09M$148.12M$176.01M$69.87M$67.52M$74.50M
    Gross ProfitN/A$227.31M$226.94M$214.71M$217.06M$208.12M$156.66M$170.12M$94.08M$114.80M$115.62M$103.02M
    Operating Expenses$119.26M$117.14M$114.69M$113.09M$114.61M$116.27M$134.32M$136.00M$115.39M$71.83M$75.12M$65.63M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$110.17M$112.25M$101.61M$102.44M$91.85M$62.71M$65.25M$-21,318,000$42.97M$39.77M$37.39M
    Interest Income$326.60M$315.07M$324.84M$326.28M$316.31M$305.35M$311.95M$322.52M$247.81M$163.86M$164.17M$158.20M
    Interest Expense$123.92M$121.32M$127.43M$131.95M$129.21M$123.62M$130.21M$138.82M$106.31M$70.19M$68.38M$61.96M
    Income Before Tax$106.06M$110.17M$112.25M$101.61M$102.44M$91.85M$62.71M$65.25M$-21,318,000$42.97M$39.77M$37.39M
    Income Tax Expense$27.91M$30.75M$28.82M$29.89M$30.46M$27.82M$14.19M$18.85M$-9,833,000$10.89M$12.45M$8.84M
    Net Income$78.15M$79.42M$83.43M$71.72M$71.98M$64.03M$48.52M$46.41M$-11,485,000$32.08M$27.31M$28.55M
    EBITDA$126.35M$129.47M$132.35M$129.09M$123.31M$112.90M$81.84M$88.62M$-9,082,000$50.27M$47.51M$50.29M
    EBIT$106.06M$110.17M$112.25M$101.61M$102.44M$91.85M$62.71M$65.25M$-21,318,000$42.97M$39.77M$37.39M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    Provident Financial Services (PFS): Buy, Sell, or Hold Post Q2 Earnings?

    Provident Financial Services (PFS) has been in a holding pattern since April 2026, underperforming the S&P 500. The company faces challenges including a low net interest margin of 3.4% and weak EPS growth of 2.1% over...

    TradingView•10/16/26•Somewhat-Bearish

    Sax Wealth Advisors LLC Makes New Investment in Provident Financial Services, Inc $PFS

    Sax Wealth Advisors LLC has made a new investment in Provident Financial Services, Inc. (NYSE:PFS), acquiring 61,288 shares valued at approximately $1.36 million during the third quarter. This move highlights...

    MarketBeat•10/15/26•Bullish

    Provident Financial Services, Inc (NYSE:PFS) Stock Has Consensus Target Price of $26.79 According to Brokerages

    Provident Financial Services, Inc (NYSE:PFS) has received a "Moderate Buy" rating from analysts, with an average 12-month target price of $26.79...

    MarketBeat•10/14/26•Bullish

    (PFS) as a Liquidity Pulse for Institutional Tactics

    This article provides an AI-driven analysis of Provident Financial Services Inc (NYSE: PFS), highlighting weak near and mid-term sentiment but a strong long-term outlook. It presents institutional trading strategies...

    Stock Traders Daily•10/13/26•Somewhat-Bearish

    Provident Financial Services stock gets a higher fair value estimate

    Provident Financial Services (PFS) stock closed at USD 21.97 on October 7, 2026, and its fair value estimate was recently raised from USD 27.42 to USD 27.75 by Simply Wall St. This update...

    AD HOC NEWS•10/7/26•Somewhat-Bullish

    PFS Valuation and Fair Value

    P/E
    9.2x
    Forward P/E
    9.0x
    EV/EBITDA
    10.6x
    P/FCF
    8.3x
    PEG
    1.6x
    P/B
    1.0x
    See GNG's fair value

    PFS Profitability: Margins, ROIC and FCF

    Operating margin
    52.3%
    Net margin
    35.0%
    ROIC
    5.5%
    ROE
    11.1%
    FCF margin
    38.6%
    FCF yield
    12.1%

    PFS Competitors

    CompanyTicker
    FS KKR Capital CorpFSK
    Sprott Inc.SII
    Columbia Financial IncCLBK
    Brighthouse Financial, Inc.BHF
    BankUnited IncBKU
    Banc of California, Inc.BANC
    Miami International Holdings, Inc.MIAX
    Brighthouse Financial, Inc.BHFAP

    Sector: Financial Services

    PFS Analyst Ratings

    Consensus
    Buy
    Analysts
    6
    Strong Buy
    2
    Buy
    2
    Hold
    2
    Sell
    0
    Strong Sell
    0

    PFS Bull Case vs Bear Case

    Bull case

    • PFS converts 38.6% of revenue into free cash flow.
    • PFS has a 35.0% net profit margin.
    • PFS beat EPS estimates in 75.0% of its last 8 reported quarters.

    PFS Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    3.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.61
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    PFS Dividend

    Forward yield
    4.3%
    Payout ratio
    40.0%
    3Y DPS growth
    0.0%
    5Y DPS growth
    0.9%
    Pay months
    Feb, May, Aug, Nov
    PFS dividend history

    Frequently Asked Questions About PFS

    What is PFS's current dividend yield?

    Provident Financial Services Inc (PFS) has a forward dividend yield of 4.33%.

    Does PFS pay dividends?

    Yes, Provident Financial Services Inc pays dividends with a forward dividend yield of 4.33%.

    What is PFS's P/E ratio?

    Provident Financial Services Inc has a price-to-earnings (P/E) ratio of 9.25.

    What is PFS's market cap?

    Provident Financial Services Inc (PFS) has a market capitalization of $2.86B with a current stock price of $22.19.

    Related stocks

    Sector: Financial Services

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