Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
PFS 
Provident Financial Services Inc (PFS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/11/2025: PFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $22.08
1 Year Target Price $22.08
| 2 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.25% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.61B USD | Price to earnings Ratio 10.75 | 1Y Target Price 22.08 |
Price to earnings Ratio 10.75 | 1Y Target Price 22.08 | ||
Volume (30-day avg) 5 | Beta 0.92 | 52 Weeks Range 13.97 - 21.39 | Updated Date 09/12/2025 |
52 Weeks Range 13.97 - 21.39 | Updated Date 09/12/2025 | ||
Dividends yield (FY) 4.84% | Basic EPS (TTM) 1.86 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.05% | Operating Margin (TTM) 53.11% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 8.78% |
Valuation
Trailing PE 10.75 | Forward PE 8.51 | Enterprise Value 5193709056 | Price to Sales(TTM) 3.17 |
Enterprise Value 5193709056 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 6.3 | Enterprise Value to EBITDA - | Shares Outstanding 130624000 | Shares Floating 126137213 |
Shares Outstanding 130624000 | Shares Floating 126137213 | ||
Percent Insiders 2.98 | Percent Institutions 72.06 |
Upturn AI SWOT
Provident Financial Services Inc
Company Overview
History and Background
Provident Financial Services, Inc. was founded in 1839 as Provident Savings Bank, focusing on serving the financial needs of its community. It has grown through organic expansion and strategic acquisitions, evolving from a savings bank into a diversified financial services company.
Core Business Areas
- Community Banking: Provides a range of banking products and services, including deposit accounts, loans, and other financial services to individuals, small businesses, and commercial customers.
- Commercial Real Estate Lending: Offers financing solutions for commercial real estate projects, catering to developers and investors.
- Small Business Administration (SBA) Lending: Specializes in providing SBA loans to small businesses, supporting their growth and development.
- Wealth Management: Provides wealth management and financial advisory to businesses and high net-worth individuals
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical, with various departments responsible for different business areas. The board of directors oversees the company's overall strategy and performance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available. Competitors include regional and national banks like Bank of America and Wells Fargo.
- Small Business Loans: Offers loans to small businesses. Market share data is not readily available. Competitors include other SBA lenders and fintech companies such as Kabbage and Funding Circle.
- Consumer Banking Products: Includes checking accounts, savings accounts, and personal loans. Market share data is not readily available at a granular product level. Competitors include regional and national banks like JPMorgan Chase and PNC Financial Services.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, regulatory scrutiny, and technological disruption. Interest rates and economic conditions significantly impact profitability.
Positioning
Provident Financial Services positions itself as a community-focused bank with a strong emphasis on customer service. Its competitive advantages include its local market knowledge and long-standing relationships with customers.
Total Addressable Market (TAM)
The TAM for banking services is substantial. Provident Financial Services is positioned to capture a share through its community-focused approach. TAM is estimated at trillions of USD. Provident maintains a small fraction of the overall TAM.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on regional economy
- Lower brand recognition compared to national players
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growing demand for small business loans
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- PNC
- JPM
Competitive Landscape
Provident Financial Services faces stiff competition from larger national and regional banks. Its advantage lies in its local market knowledge and customer relationships, while its disadvantages include limited scale and brand recognition.
Major Acquisitions
Beacon Trust Bancorp
- Year: 2018
- Acquisition Price (USD millions): 72
- Strategic Rationale: Expanded wealth management capabilities and client base in the New Jersey market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends depend on access to current data, unavailable to provide.
Future Projections: Future projections depend on analyst estimates, unavailable to provide.
Recent Initiatives: Recent strategic initiatives include expanding digital banking services, and focusing on increasing commercial lending volume.
Summary
Provident Financial Services is a community-focused bank with a strong local presence. Its strengths include established customer relationships and diversified revenue streams. However, it faces challenges from larger competitors and a changing economic landscape. Key areas for improvement are expanding its digital capabilities and reaching new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Financial news articles
- Market research reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share estimates are based on available data and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Provident Financial Services Inc
Exchange NYSE | Headquaters Jersey City, NJ, United States | ||
IPO Launch date 2003-01-16 | President, CEO & Director Mr. Anthony J. Labozzetta | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1753 | Website https://www.provident.bank |
Full time employees 1753 | Website https://www.provident.bank | ||
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; 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. 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.