(PFS) Provident Financial - Ratings and Ratios
Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US74386T1051
PFS: Loans, Deposits, Wealth Management, Insurance, Investments
Provident Financial Services, Inc., operating as the holding company for Provident Bank, offers a diverse range of banking products and services tailored to individuals, families, and businesses across the United States. Established in 1839 and headquartered in Jersey City, New Jersey, the bank emphasizes community-focused banking, combining traditional services with modern technological solutions. Their deposit offerings include savings, checking, money market, and certificate of deposit accounts, along with IRA products. The loan portfolio is comprehensive, featuring commercial real estate loans, residential mortgages, construction loans, and consumer loans such as home equity lines and auto loans. Additionally, the bank provides cash management, online banking, and wealth management services, including investment and trust services. They also engage in real estate management and insurance sales, enhancing their revenue streams through diversified financial products.
As a regional bank, Provident Financial Services has built a reputation for stability and personalized service. They have embraced digital transformation, offering mobile banking and remote deposit capture to meet evolving customer needs. Their strategic focus includes supporting local economies and fostering long-term customer relationships. The banks commitment to community involvement and financial education underscores their role as a trusted financial partner in the regions they serve.
Additional Sources for PFS Stock
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
PFS Stock Overview
| Market Cap in USD | 2,233m |
| Sector | Financial Services |
| Industry | Banks - Regional |
| GiC Sub-Industry | Regional Banks |
| IPO / Inception | 2003-01-16 |
PFS Stock Ratings
| Growth Rating | 28.7 |
| Fundamental | 46.8 |
| Dividend Rating | 70.3 |
| Rel. Strength | -7.52 |
| Analysts | 4.2/5 |
| Fair Price Momentum | 16.10 USD |
| Fair Price DCF | 39.64 USD |
PFS Dividends
| Dividend Yield 12m | 5.50% |
| Yield on Cost 5y | 9.63% |
| Annual Growth 5y | 0.85% |
| Payout Consistency | 96.7% |
PFS Growth Ratios
| Growth Correlation 3m | -74.5% |
| Growth Correlation 12m | 32.4% |
| Growth Correlation 5y | 4.4% |
| CAGR 5y | 11.52% |
| CAGR/Max DD 5y | 0.26 |
| Sharpe Ratio 12m | 0.26 |
| Alpha | 3.11 |
| Beta | 0.918 |
| Volatility | 37.25% |
| Current Volume | 401.6k |
| Average Volume 20d | 666.5k |
As of May 09, 2025, the stock is trading at USD 17.20 with a total of 401,628 shares traded.
Over the past week, the price has changed by +3.06%, over one month by +14.82%, over three months by -9.12% and over the past year by +13.22%.
Partly, yes. Based on ValueRay Fundamental Analyses, Provident Financial (NYSE:PFS) is currently (May 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 46.76 and therefor a somewhat positive outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of PFS as of May 2025 is 16.10. This means that PFS is currently overvalued and has a potential downside of -6.4%.
Provident Financial has received a consensus analysts rating of 4.20. Therefor, it is recommend to buy PFS.
- Strong Buy: 2
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
According to ValueRays Forecast Model, PFS Provident Financial will be worth about 18.4 in May 2026. The stock is currently trading at 17.20. This means that the stock has a potential upside of +6.92%.
| Issuer | Forecast | Upside |
|---|---|---|
| Wallstreet Target Price | 20.9 | 21.5% |
| Analysts Target Price | 20.9 | 21.5% |
| ValueRay Target Price | 18.4 | 6.9% |