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Upturn AI SWOT - About
PFS 
Provident Financial Services Inc (PFS)
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Upturn Advisory Summary
08/28/2025: 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 5.71% | Avg. Invested days 39 | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.60B USD | Price to earnings Ratio 10.7 | 1Y Target Price 22.08 |
Price to earnings Ratio 10.7 | 1Y Target Price 22.08 | ||
Volume (30-day avg) 5 | Beta 0.87 | 52 Weeks Range 13.97 - 21.39 | Updated Date 08/28/2025 |
52 Weeks Range 13.97 - 21.39 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 4.83% | 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 10.7 | Forward PE 8.51 | Enterprise Value 5180646400 | Price to Sales(TTM) 3.16 |
Enterprise Value 5180646400 | Price to Sales(TTM) 3.16 | ||
Enterprise Value to Revenue 6.28 | Enterprise Value to EBITDA - | Shares Outstanding 130624000 | Shares Floating 126137213 |
Shares Outstanding 130624000 | Shares Floating 126137213 | ||
Percent Insiders 2.98 | Percent Institutions 72.04 |
Upturn AI SWOT
Provident Financial Services Inc
Company Overview
History and Background
Provident Financial Services, Inc. was founded in 1839 as Provident Savings Bank. It has evolved from a mutual savings bank to a publicly traded financial services company, expanding its services and geographic reach through organic growth and acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including commercial real estate loans, business loans, and lines of credit, deposit services, and cash management solutions to businesses of all sizes.
- Retail Banking: Offers traditional retail banking products and services, such as checking and savings accounts, mortgages, home equity loans, and consumer loans to individuals and families.
- Wealth Management: Offers investment advisory services, financial planning, and trust services to high-net-worth individuals, families, and institutions.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other senior executives. The organizational structure includes various business lines and support functions, reporting to the executive management team and the board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects. Market share data is not readily available at the individual product level but is reflected in the bank's overall commercial lending portfolio growth. Competitors include regional and national banks such as M&T Bank and Wells Fargo.
- Mortgages: Residential mortgages for home purchases and refinancing. Market share data is not readily available at the individual product level but is reflected in the bank's overall residential lending portfolio growth. Competitors include Quicken Loans and Bank of America.
- Wealth Management Services: Includes investment advisory services, financial planning, and trust services. Revenue data is reflected in the overall wealth management segment revenue. Competitors include Goldman Sachs, Morgan Stanley, and Merrill Lynch.
Market Dynamics
Industry Overview
The banking industry is currently influenced by rising interest rates, regulatory changes, and increasing competition from fintech companies. There's a focus on digital transformation and enhanced customer experience.
Positioning
Provident Financial Services, Inc. is positioned as a regional bank providing both commercial and retail banking services. Its competitive advantages include strong local market knowledge and relationship-based banking.
Total Addressable Market (TAM)
The TAM for banking services is vast. Provident is well-positioned in its region. The total US banking market cap is estimated to be $2 trillion, and Provident is trying to capture a higher market share through customer acquisition and retention.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Healthy balance sheet
- Strong local market knowledge
Weaknesses
- Limited geographic reach compared to larger national banks
- Exposure to regional economic conditions
- Reliance on traditional banking model
- Brand recognition mainly within regional markets
Opportunities
- Expanding into new markets through acquisitions or organic growth
- Leveraging technology to enhance customer experience
- Increasing wealth management services
- Benefiting from rising interest rates
- Capitalizing on the growing demand for digital banking solutions
Threats
- Increasing competition from larger banks and fintech companies
- Regulatory changes impacting profitability
- Economic downturn affecting loan portfolio
- Cybersecurity threats
- Changing customer preferences
Competitors and Market Share
Key Competitors
- MTB
- USB
- KEY
Competitive Landscape
Provident Financial Services Inc. faces competition from larger national banks and smaller regional banks. Its advantages include strong local market knowledge and relationship-based banking. Its disadvantages include limited geographic reach compared to larger banks.
Major Acquisitions
SB One Bancorp
- Year: 2020
- Acquisition Price (USD millions): 209.1
- Strategic Rationale: Expanded market presence in Northern New Jersey and enhanced commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth in lending and expansion of wealth management services.
Future Projections: Analyst projections vary, but generally indicate continued growth in revenue and earnings. Analysts estimate a 5-7% annual growth rate over the next 5 years.
Recent Initiatives: Recent strategic initiatives include investing in technology to improve customer experience, expanding into new markets, and increasing focus on wealth management services.
Summary
Provident Financial Services exhibits a solid regional presence with diversified revenue streams and a strong balance sheet. While it faces competition from larger national banks and fintech firms, its strategic initiatives in technology and wealth management position it for continued growth. The reliance on the regional economy is a key risk, and adapting to evolving customer preferences is essential for sustained success. Provident is also adapting to the rapidly changing regulatory landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Earnings call transcripts
- Analyst reports
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available public information and may not be precise. Financial data is based on past performance and is not indicative of future results. All investments involve risk, including the potential loss of principal.
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.
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