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PROVIDENT FINANCIAL SERVICES INC PFS

NYSE · stock · Savings Institution, Federally Chartered · website · IPO 2003-01-16 · LEI

PROVIDENT FINANCIAL SERVICES INC statistics & valuation

Market cap$3.1B
P / E10.6×
P / S42.1×
P / B1.1×
P / FCF7.2×
Dividend yield4.09%
Net margin398.3%
Return on equity10.3%
FCF margin589.2%
Graham number +32.6%$32.99

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($32.99); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
244.60% 257.50% 317.50% 272.40% 212.90% 291.70% 319.40% 223.20% 169.20% 398.30% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.00% 7.20% 8.70% 8.00% 6.00% 9.90% 11.00% 7.60% 4.40% 10.30% 2016201720182019202020212022202320242025
Shares outstanding
66.1M 66.5M 66.3M 65.8M 76.1M 77.0M 75.2M 75.5M 130.5M 130.6M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 1.00% 1.20% 1.10% 0.80% 1.20% 1.30% 0.90% 0.50% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
340.70% 312.50% 409.20% 319.30% 198.70% 248.50% 347.20% 288.40% 622.50% 589.20% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.38 $1.45 $1.82 $1.74 $1.39 $2.19 $2.35 $1.71 $1.05 $2.23 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PROVIDENT FINANCIAL SERVICES INC trades at about 11.2× earnings — below its 10-year norm (10-year range 9.7×–19.2×, median 13.3×).

9.7× 19.2×

Shaded band = 10-year range (9.7×–19.2×); dot = today's 11.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin398.3%169.2%223.2%319.4%291.7%212.9%272.4%317.5%257.5%244.6%
FCF margin589.2%622.5%288.4%347.2%248.5%198.7%319.3%409.2%312.5%340.7%
Return on assets1.2%0.5%0.9%1.3%1.2%0.8%1.1%1.2%1.0%0.9%
Return on equity10.3%4.4%7.6%11.0%9.9%6.0%8.0%8.7%7.2%7.0%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.