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Provident Financial Services, Inc. (PFS) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Provident Financial Services, Inc.

PFSMarket cap $2.91BPrice $22.3

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a New Jersey-based regional bank offering commercial and retail banking, wealth management, and insurance services. It's one of the state's largest bank holding companies, built through decades of community bank acquisitions rather than flashy expansion.

In Bastion Portfolios?

52W Return+26%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+20%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+6%–

Rev CAGR (5y)+4%4

Earnings Forecast

EPS Growth Y+1+10%7

EPS Growth Y+2+6%5

EPS Growth Y+3+5%5

Quality

Margins

EBIT Margin0%5

Net Income Margin35%9

Free Cash Flow Margin39%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE11%5

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)99

P/E Ratio (Forward 3y)89

P/BV1.09

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yield4.3%9

Momentum

Short term

1 month return-6%4

3 month return-4%5

YTD return+16%7

Mid term

Price vs 52wHigh88%7

1 year return+18%7

Long term

3 year return+73%7

5 year return+16%4

Risk Shield

Price Risk

Beta0.85

Volatility25%8

Free Cash Flow

Free Cash Flow Margin39%10

Free Cash Flow Yield0.0%9

Quality

ROCE11%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

PFSProvident Financial Services

Revenue FY25$867M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+20%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+10%7

EPS growth, FY27E+6%5

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 6%/yr).

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 20%/yr over the last 3 years; forecasts see it cooling to 6%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE51 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-4%5

YTD return+16%7

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return+18%7

3-year return+73%7

5-year return+16%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 18% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+16%).

WATCH

Average long-term results. Multi-year returns are middling (+73% over three years and +16% over five), roughly average for the market.

Returns sit at the market level over the past month (-6%) and over three months (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Provident Financial Services, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

PFSProvident Financial Services

Revenue FY25$867M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+20%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+10%7

EPS growth, FY27E+6%5

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 6%/yr).

WATCH

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 20%/yr over the last 3 years; forecasts see it cooling to 6%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE51 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-4%5

YTD return+16%7

MID & LONG-TERM▾SCORE

% of 52-week high88%7

1-year return+18%7

3-year return+73%7

5-year return+16%4

MOMENTUM ASSESSMENT

STRENGTHS

It's up 18% over the past year, but 12% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+16%).

WATCH

Average long-term results. Multi-year returns are middling (+73% over three years and +16% over five), roughly average for the market.

Returns sit at the market level over the past month (-6%) and over three months (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Provident Financial Services, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community