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Upturn AI SWOT - About
PFS 
Provident Financial Services Inc (PFS)
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Upturn Advisory Summary
11/05/2025: PFS (2-star) is currently NOT-A-BUY. Pass it for now.
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 $22.62
1 Year Target Price $22.62
| 2 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.35% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.44B USD | Price to earnings Ratio 10.04 | 1Y Target Price 22.62 |
Price to earnings Ratio 10.04 | 1Y Target Price 22.62 | ||
Volume (30-day avg) 5 | Beta 0.88 | 52 Weeks Range 13.97 - 21.39 | Updated Date 11/7/2025 |
52 Weeks Range 13.97 - 21.39 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 1.31% | Basic EPS (TTM) 1.86 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When After Market | Estimate 0.54 | Actual 0.55 |
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 10.04 | Forward PE 8.36 | Enterprise Value 4751744000 | Price to Sales(TTM) 2.91 |
Enterprise Value 4751744000 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 6.22 | Enterprise Value to EBITDA - | Shares Outstanding 130621757 | Shares Floating 126161024 |
Shares Outstanding 130621757 | Shares Floating 126161024 | ||
Percent Insiders 2.62 | Percent Institutions 72.26 |
Upturn AI SWOT
Provident Financial Services Inc
Company Overview
History and Background
Provident Financial Services, Inc. was founded in 1839 as Provident Savings Bank in Jersey City, New Jersey. It evolved from a savings bank to a diversified financial services company through acquisitions and organic growth.
Core Business Areas
- Banking: Offers a range of commercial and retail banking services, including deposit accounts, loans, and other financial products.
- Wealth Management: Provides wealth management services, including investment advisory, financial planning, and trust services.
- Insurance: Offers insurance products, including property and casualty insurance, life insurance, and employee benefits.
Leadership and Structure
The company is led by its executive management team and governed by a Board of Directors. The organizational structure includes various departments responsible for banking, wealth management, insurance, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides commercial loans to businesses. Market share data not readily available. Competitors: Bank of America (BAC), Wells Fargo (WFC), PNC Financial Services (PNC).
- Residential Mortgages: Offers residential mortgage loans to individuals. Market share data not readily available. Competitors: Rocket Companies (RKT), UWM Holdings Corporation (UWMC), JPMorgan Chase (JPM).
- Deposit Accounts: Provides various deposit accounts, including checking, savings, and money market accounts. Market share data not readily available. Competitors: Bank of America (BAC), Wells Fargo (WFC), JPMorgan Chase (JPM).
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological advancements, and competition from traditional and non-traditional players.
Positioning
Provident Financial Services Inc. is a regional bank competing with larger national and regional banks. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars. Provident Financial Services Inc. captures a small share due to its regional focus.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified business lines
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on regional economy
- Lower brand recognition
Opportunities
- Expanding into new markets
- Acquiring smaller banks
- Investing in technology
- Growing wealth management business
Threats
- Increasing competition
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- PNC
- USB
Competitive Landscape
Provident Financial Services Inc. competes with larger national and regional banks. Its advantage lies in local relationships, but it faces challenges due to its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable without access to company financials.
Future Projections: Future growth projections based on analyst estimates are unavailable without current analyst reports.
Recent Initiatives: Requires access to company announcements and reports for recent initiatives.
Summary
Provident Financial Services Inc. is a regional bank with a solid local presence, benefiting from customer relationships and diversified business lines. However, its smaller scale and limited geographic reach present challenges. To maintain growth, it needs to invest in technology and explore new markets amidst increasing competition and economic uncertainties. Growth is dependent on local economies and the housing market, thus presenting a risk factor.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data requires real-time access to generate reports and graphs.
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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