Is Provident Financial Services (PFS) overvalued or fairly valued?

MarketChacha shows Provident Financial Services's valuation in context — a trailing P/E of about 9.7, a forward P/E of about 8.6, a price-to-book of about 1.0 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Provident Financial Services's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.95×) from reported figures — education, not a rating.

What is Provident Financial Services's revenue?

Provident Financial Services reported revenue of $73.1M for FY2025, with net profit of $291.2M, per official filings.

What is the share price of Provident Financial Services (PFS)?

Provident Financial Services last traded at $22.41 (+1.4% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

Provident Financial Services

PFS · NYSE · Financials · United States

Snapshot

TickerPFS

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,817

HeadquartersJersey City, United States

Websitewww.provident.bank

Filings tracked25

About Provident Financial Services

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; residential mortgage loans; 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; and insurance agency operations. 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.

Who owns it

Insiders2.8%
Institutions76.9%
Public & other20.3%

424 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.76%
Vanguard Portfolio Management LLC6.31%
Dimensional Fund Advisors LP6.27%
State Street Corporation6.17%
Vanguard Capital Management LLC4.33%
American Century Companies Inc3.29%
Geode Capital Management, LLC2.68%
Wellington Management Group, LLP2.38%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.95×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend223.2% → 398.3%

Margin has expanded by about 175.1 points — the business is getting more profitable.

Growth qualityrev 13% · PAT 51%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $240.6M · EPS 0.63

Est. earnings growth -2.2%

Next fiscal year

Rev $996.0M · EPS 2.58

Est. earnings growth +5.1%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$73.1M

Net margin

398.3%

ROE

10.3%

Revenue CAGR (2y)

+12.7%

Profit CAGR (2y)

+50.6%

EPS (FY2025)

2.23

Net profit (FY2025)

$291.2M

Ask MarketChacha about PFS

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$73.1M	$291.2M	2.23	398.3%	10.3%
FY2024	$68.3M	$115.5M	1.05	169.2%	4.4%
FY2023	$57.5M	$128.4M	1.71	223.2%	7.6%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$19.6M	$78.1M	0.60	397.8%
2026Q1	$20.6M	$79.4M	0.61	385.4%
2025Q3	$17.7M	$71.7M	0.55	404.6%
2025Q2	$18.3M	$72.0M	0.55	393.8%
2025Q1	$18.9M	$64.0M	0.49	339.3%
2024Q3	$17.9M	$46.4M	0.36	260.0%
2024Q2	$17.6M	$-11.5M	-0.11	-65.1%
2024Q1	$16.3M	$32.1M	0.43	197.0%
2023Q3	$14.2M	$28.5M	0.38	201.1%
2023Q2	$14.6M	$32.0M	0.43	219.5%
2023Q1	$15.1M	$40.5M	0.54	268.7%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Other events, Exhibits
SEC8/24/2026material
8-K — Reg FD disclosure, Exhibits
SEC8/14/2026material
10-Q filing
SEC8/7/2026
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC8/4/2026material
8-K — Reg FD disclosure, Exhibits
SEC7/30/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/30/2026material
8-K — Reg FD disclosure, Exhibits
SEC7/30/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC6/23/2026material
8-K — Other events, Exhibits
SEC6/4/2026material
8-K — Executive/director change, Exhibits
SEC5/26/2026material
8-K — Shareholder vote results, Exhibits
SEC5/22/2026material
10-Q filing
SEC5/8/2026
8-K — Reg FD disclosure, Exhibits
SEC4/30/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/30/2026material
8-K — Reg FD disclosure, Exhibits
SEC4/30/2026material
8-K — Executive/director change, Exhibits
SEC3/5/2026material
10-K filing
SEC2/27/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/28/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/28/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/28/2026material
8-K — Other events, Exhibits
SEC1/27/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC1/14/2026material

2025

8-K — Exhibits
SEC11/10/2025material
10-Q filing
SEC11/6/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/30/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.