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Upturn AI SWOT - About
PFS 
Provident Financial Services Inc (PFS)
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Upturn Advisory Summary
06/30/2025: PFS (1-star) is currently NOT-A-BUY. Pass it for now.
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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $20.92
1 Year Target Price $20.92
| 2 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.22% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.31B USD | Price to earnings Ratio 15.96 | 1Y Target Price 20.92 |
Price to earnings Ratio 15.96 | 1Y Target Price 20.92 | ||
Volume (30-day avg) 5 | Beta 0.83 | 52 Weeks Range 13.46 - 21.66 | Updated Date 06/30/2025 |
52 Weeks Range 13.46 - 21.66 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.42% | Basic EPS (TTM) 1.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.05% | Operating Margin (TTM) 50.33% |
Management Effectiveness
Return on Assets (TTM) 0.77% | Return on Equity (TTM) 6.77% |
Valuation
Trailing PE 15.96 | Forward PE 8.52 | Enterprise Value 4879598592 | Price to Sales(TTM) 3.3 |
Enterprise Value 4879598592 | Price to Sales(TTM) 3.3 | ||
Enterprise Value to Revenue 6.26 | Enterprise Value to EBITDA - | Shares Outstanding 130660000 | Shares Floating 126184839 |
Shares Outstanding 130660000 | Shares Floating 126184839 | ||
Percent Insiders 2.98 | Percent Institutions 70.2 |
Analyst Ratings
Rating 3 | Target Price 20.92 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Provident Financial Services Inc
Company Overview
History and Background
Provident Financial Services, Inc. was founded in 1839. It has grown through acquisitions and organic expansion, becoming a leading financial institution in the New Jersey and Pennsylvania markets.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses.
- Retail Banking: Offers traditional banking products and services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Christopher Martin serves as Chairman and CEO. The company operates with a traditional hierarchical structure, with executive leadership overseeing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data specific to Provident is not readily available; competitors include larger national banks and regional banks. Competitors: Wells Fargo, Bank of America, PNC.
- Mortgages: Residential mortgages for homebuyers and homeowners. Market share data specific to Provident is not readily available; competitors include national mortgage lenders and other regional banks. Competitors: Rocket Mortgage, United Wholesale Mortgage, Chase.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Market share data specific to Provident is not readily available; competitors include larger national banks and online banks. Competitors: Chase, Bank of America, Capital One.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
Provident Financial Services Inc. positions itself as a community-focused bank with strong customer relationships. Its competitive advantages include its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the New Jersey and Pennsylvania regions is estimated to be in the billions of dollars. Provident Financial Services Inc. is positioned to capture a share of this market through its diversified product offerings and strong local presence.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Diversified product offerings
- Experienced management team
- Good customer relationships
Weaknesses
- Limited geographic reach compared to larger national banks
- Dependence on interest rate environment
- Higher operational costs than some larger competitors.
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC Financial Services Group (PNC)
- Bank of America (BAC)
- Wells Fargo (WFC)
Competitive Landscape
Provident Financial Services Inc. faces intense competition from larger national banks and smaller community banks. Its advantages include its local market knowledge and personalized service, while its disadvantages include its limited geographic reach and smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not accessible without historical market data.
Future Projections: Future projections are not accessible without analyst estimates.
Recent Initiatives: Recent initiatives are not accessible without knowledge of corporate strategic plans.
Summary
Provident Financial Services Inc. is a regional bank with a strong local presence. The company's diversified product offerings and experienced management team are key strengths. However, Provident faces challenges from larger competitors, rising interest rates, and economic uncertainty. Its community focus is a key differentiator.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information
- Industry reports
- Company website
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated 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.
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