Stocktoria
PROVIDENT FINANCIAL SERVICES INC PFS
PROVIDENT FINANCIAL SERVICES INC (PFS) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 4.09% (safety: moderate). FY2025 revenue was $73.1M at a 398.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-01 | Raymond James | Strong Buy (main) |
| 2026-06-08 | Stephens & Co. | Equal-Weight (init) |
| 2026-05-01 | DA Davidson | Neutral (main) |
| 2026-05-01 | Keefe, Bruyette & Woods | Outperform (main) |
| 2026-02-25 | DA Davidson | Neutral (init) |
| 2026-01-29 | Keefe, Bruyette & Woods | Outperform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| FCAP | FIRST CAPITAL INC | 5/9 | — | 13.5 | — |
| NFBK | Northfield Bancorp, Inc. | 5/9 | — | 786.5 | — |
All Finance, Insurance & Real Estate companies →
About PROVIDENT FINANCIAL SERVICES INC
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.
FAQ
Is PFS financially healthy?
PROVIDENT FINANCIAL SERVICES INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does PFS pay a dividend, and is it safe?
Yes. PROVIDENT FINANCIAL SERVICES INC pays a dividend yielding about 4.09% with a 43.2% payout ratio, rated “moderate” for safety.
How profitable is PFS?
In FY2025, PROVIDENT FINANCIAL SERVICES INC had a net margin of 398.3% and a return on equity of 10.3%.
Is PFS overvalued or undervalued?
PROVIDENT FINANCIAL SERVICES INC trades at about 11.2× trailing earnings — below its 10-year norm (10-year range 9.7×–19.2×, median 13.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for PFS?
The average Wall-Street price target for PROVIDENT FINANCIAL SERVICES INC is $25.58, about 2.8% above the recent price, from 6 analysts (consensus: buy).
Is PFS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PROVIDENT FINANCIAL SERVICES INC: a Piotroski F-score of 5/9, a P/E of about 10.6×, a dividend yield of 4.09%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.