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PFS 
Provident Financial Services Inc (PFS)
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Upturn Advisory Summary
01/08/2026: PFS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $23.12
1 Year Target Price $23.12
| 2 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.17% | Avg. Invested days 41 | 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 01/08/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.62B USD | Price to earnings Ratio 10.11 | 1Y Target Price 23.12 |
Price to earnings Ratio 10.11 | 1Y Target Price 23.12 | ||
Volume (30-day avg) 5 | Beta 0.85 | 52 Weeks Range 13.79 - 21.29 | Updated Date 01/8/2026 |
52 Weeks Range 13.79 - 21.29 | Updated Date 01/8/2026 | ||
Dividends yield (FY) 4.76% | Basic EPS (TTM) 1.98 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.62% | Operating Margin (TTM) 53.34% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 9.51% |
Valuation
Trailing PE 10.11 | Forward PE 8.27 | Enterprise Value 4990431232 | Price to Sales(TTM) 3.12 |
Enterprise Value 4990431232 | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 6.03 | Enterprise Value to EBITDA - | Shares Outstanding 130622384 | Shares Floating 126502554 |
Shares Outstanding 130622384 | Shares Floating 126502554 | ||
Percent Insiders 2.48 | Percent Institutions 72.93 |
Upturn AI SWOT
Provident Financial Services Inc
Company Overview
History and Background
Provident Financial Services, Inc. (PFS) was founded in 1839 as Provident Savings Bank. It has evolved from a single branch in Jersey City, New Jersey, to a significant regional financial institution. Key milestones include its conversion to a stock institution and subsequent public offering in 1993, enabling it to expand through organic growth and strategic acquisitions. The company has a long history of serving the New Jersey and New York metropolitan areas.
Core Business Areas
- Community Banking: Offers a comprehensive suite of deposit and loan products to individuals, families, and businesses. This includes checking and savings accounts, money market accounts, certificates of deposit (CDs), commercial and industrial loans, commercial real estate loans, and residential mortgages.
- Wealth Management: Provides a range of investment and financial planning services through its subsidiary, Provident Wealth Management. Services include financial planning, investment management, retirement planning, and estate planning.
- Treasury Management: Offers services to businesses designed to streamline cash flow and improve financial operations. This includes services like remote deposit capture, wire transfers, automated clearing house (ACH) services, and fraud prevention tools.
Leadership and Structure
Provident Financial Services, Inc. is led by a Board of Directors and a dedicated executive management team. The organizational structure is typical of a regional bank, with divisions focused on retail banking, commercial banking, wealth management, operations, and administration. Specific leadership details (CEO, CFO, etc.) are subject to change and can be found in the company's latest SEC filings.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products for individuals and businesses. Competitors include virtually all banks and credit unions operating in its service areas. Market share data for individual deposit products is not publicly disclosed by the company.
- Commercial Real Estate Loans: A significant lending product for businesses in its operating regions. Competitors include other regional and national banks, as well as private lenders. Specific market share data is not publicly available.
- Mortgage Lending: Provides residential mortgage loans for home purchases and refinancing. Competitors include national mortgage lenders, other regional banks, and credit unions. Market share data is not publicly disclosed.
- Investment Management Services: Offered through Provident Wealth Management, these services cater to individuals and businesses seeking financial planning and investment advice. Competitors include independent financial advisors, large brokerage firms, and other bank-affiliated wealth management divisions.
Market Dynamics
Industry Overview
The banking industry in the US is highly competitive and subject to significant regulatory oversight. Key trends include digital transformation, increasing demand for personalized financial services, and evolving interest rate environments. Regional banks like Provident Financial Services compete with national banks, credit unions, and increasingly, fintech companies.
Positioning
Provident Financial Services Inc. positions itself as a community-focused financial institution offering personalized service and a broad range of financial products. Its competitive advantages lie in its long-standing presence in its core markets, established customer relationships, and a balance between digital capabilities and traditional branch service.
Total Addressable Market (TAM)
The total addressable market for banking and wealth management services in the US is in the trillions of dollars. Provident Financial Services Inc. operates within a more localized TAM, focusing on the New Jersey and New York metropolitan areas. Its positioning is as a significant regional player within this specific geographic market, aiming to capture a substantial portion of deposits, loans, and wealth management assets within its chosen footprint.
Upturn SWOT Analysis
Strengths
- Strong, long-standing brand recognition in its core markets.
- Established customer relationships and loyalty.
- Diversified revenue streams through banking and wealth management.
- Experienced management team with deep knowledge of its operating regions.
- Solid capital base and regulatory compliance.
Weaknesses
- Limited geographic diversification compared to national banks.
- Potential challenges in keeping pace with the rapid technological advancements of larger competitors.
- Reliance on interest rate spreads for a significant portion of its income.
- Smaller scale compared to national banks may limit its ability to achieve certain economies of scale.
Opportunities
- Expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging technology to enhance digital customer experience and operational efficiency.
- Growing demand for wealth management services.
- Partnerships with fintech companies to offer innovative solutions.
- Potential for market share gains from distressed competitors or evolving customer needs.
Threats
- Intensifying competition from national banks, credit unions, and fintech firms.
- Changes in interest rate policies and economic downturns.
- Increased regulatory burdens and compliance costs.
- Cybersecurity risks and data breaches.
- Evolving customer preferences towards digital-only banking solutions.
Competitors and Market Share
Key Competitors
- PNC Financial Services Group Inc (PNC)
- TD Bank Group (TD)
- Capital One Financial Corporation (COF)
- Citizens Financial Group, Inc. (CFG)
- US Bancorp (USB)
Competitive Landscape
Provident Financial Services Inc. faces intense competition from larger national banks with greater scale and resources, as well as from agile community banks and credit unions. Its advantages lie in its localized expertise, personalized customer service, and deep community ties. However, it must continually invest in technology to remain competitive with the digital offerings of larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Provident Financial Services Inc. has demonstrated consistent growth historically, driven by organic expansion of its loan and deposit portfolios, as well as strategic acquisitions. Its growth has been characterized by expanding its market presence within its core regions.
Future Projections: Future growth projections for Provident Financial Services Inc. typically depend on factors such as economic conditions, interest rate environments, and the success of its strategic initiatives, including digital transformation and potential further acquisitions. Analyst estimates, found in financial research reports, would provide specific projections for revenue and earnings growth.
Recent Initiatives: Recent initiatives likely focus on enhancing digital banking capabilities, improving operational efficiency, expanding wealth management services, and prudent risk management. Specific initiatives might include new mobile banking features, investments in cybersecurity, or targeted marketing campaigns to attract new customers.
Summary
Provident Financial Services Inc. is a well-established regional bank with a strong history and a solid community focus. Its diversified offerings in banking and wealth management are key strengths. However, it operates in a highly competitive landscape and must continue to invest in technology to keep pace with larger national players and evolving customer expectations. Continued prudent expansion and operational efficiency will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Financial Data Providers (e.g., Yahoo Finance, Bloomberg, Refinitiv)
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Financial data, market share, and competitive landscapes are subject to change. This information is for informational purposes only and should not be considered investment advice. Investors should conduct their own due diligence before making any investment decisions.
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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