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Provident Financial Services, Inc.
PFS
NYSE·Financial Services·Banks - Regional·Mkt cap $3.1B
$23.54
▼ -1.79%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$17.61 - $24.24
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 29.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 180+ year heritage and established brand recognition in Northeast markets
- Extensive branch network (96 locations) providing local market presence and customer relationships
- Diversified revenue streams across retail, commercial, and wealth management reducing concentration risk
- Strong deposit base from community relationships supporting low-cost funding
- Comprehensive service offerings enabling cross-selling and customer retention
Bear Case
1 risk
- Low volatility (beta 0.8).
Growth
Revenue decline expected
Expansion of commercial real estate and business lending in growing Northeast markets
Value
Attractively priced below Commercial Banking peer average
Momentum
Strong
+12.5% over 3m
Quality
Excellent
Exceptional business - top-tier fundamentals
Dividend
Solid
4.01% yield
Smart-money signal
Who's buying PFS right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 22, 2026
APR 29, 2026
Reported EPS of $0.61 vs $0.55 consensus (+10.9% surprise). Revenue of $225.2M vs $225.6M expected (-0.2%).
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+10.9%
Next: Apr 22, 2026
Revenue trend · last 8Q
—
—
+44%
+83%
+31%
+24%
+113%
+4%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$163.8M
$179.4M
$165.5M
$332.4M
$343.4M
$353.7M
$353.1M
$346.5M
Margins · last 8Q
Gross
—
Operating
—
Profit
22.9%
Wall Street consensus
3 analysts · 67% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
67%
Hold
33%
Sell
0%
Median Price Target
—
Latest: Raymond James · Jul 1, 2026