Stock PFS PROVIDENT FINANCIAL SERVICES, INC.
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Financials Provident Financial Services, Inc.

Equities

PFS

US74386T1051

Banks

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
15.09 USD +0.87% Intraday chart for Provident Financial Services, Inc. +4.36% -16.31%
Apr. 22 RBC Lifts Price Target on Provident Financial Services to $19 From $18, Keeps Outperform Rating MT
Apr. 22 DA Davidson Upgrades Provident Financial Services to Buy From Neutral, Adjusts Price Target to $20 From $15 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,584 1,385 1,870 1,589 1,352 1,141 -
Enterprise Value (EV) 1 1,584 1,385 1,870 1,589 1,352 1,141 1,141
P/E ratio 14.2 x 12.9 x 11.1 x 9.09 x 10.5 x 13.7 x 6.81 x
Yield 3.73% 5.12% 3.84% 4.49% - 6.39% 6.53%
Capitalization / Revenue 4.38 x 3.6 x 4.13 x 3.14 x 2.82 x 1.64 x 1.3 x
EV / Revenue 4.38 x 3.6 x 4.13 x 3.14 x 2.82 x 1.64 x 1.3 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.15 x 0.86 x 1.1 x 1 x 0.81 x 0.79 x 0.74 x
Nbr of stocks (in thousands) 64,252 77,116 77,226 74,377 75,008 75,642 -
Reference price 2 24.65 17.96 24.22 21.36 18.03 15.09 15.09
Announcement Date 1/31/20 1/29/21 1/28/22 1/27/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 361.8 385 452.8 505.3 479.3 694.4 879.7
EBITDA - - - - - - -
EBIT 1 160.2 - 202.8 248.5 203.7 292.6 421
Operating Margin 44.28% - 44.78% 49.17% 42.5% 42.13% 47.85%
Earnings before Tax (EBT) 1 147.1 127.6 227.1 240.1 175.8 173.5 386.9
Net income 1 112.6 96.95 167.9 175.6 128.4 121.9 287.5
Net margin 31.13% 25.18% 37.08% 34.76% 26.79% 17.55% 32.68%
EPS 2 1.740 1.390 2.190 2.350 1.710 1.102 2.215
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.9200 0.9200 0.9300 0.9600 - 0.9640 0.9860
Announcement Date 1/31/20 1/29/21 1/28/22 1/27/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 114.6 114.5 114.7 120.4 137.9 132.3 130.5 118.5 115.6 114.8 114.5 167 215.1 215.6 216.3
EBITDA - - - - - - - - - - - - - - -
EBIT 1 51.15 52.48 52.79 56.56 68.49 70.65 - 54.03 48.4 40.26 43.16 - 100.7 101.8 101.4
Operating Margin 44.64% 45.82% 46.03% 46.97% 49.65% 53.39% - 45.6% 41.88% 35.09% 37.7% - 46.81% 47.21% 46.87%
Earnings before Tax (EBT) 1 50.18 52.08 59.19 53.56 60.08 67.27 54.99 43.63 37.39 39.77 42.97 -43.03 92.14 94.53 90.62
Net income 1 37.27 37.3 43.96 39.23 43.42 49.03 40.54 32 28.55 27.31 32.08 -31.82 60.92 70.24 67.35
Net margin 32.52% 32.57% 38.34% 32.58% 31.48% 37.06% 31.07% 27.01% 24.7% 23.8% 28.02% -19.06% 28.32% 32.58% 31.13%
EPS 2 0.4900 0.4900 0.5800 0.5300 0.5800 0.6600 0.5400 0.4300 0.3800 0.3600 0.4300 -0.3100 0.4675 0.5400 0.5167
Dividend per Share 2 0.2300 0.2400 0.2400 0.2400 0.2400 0.2400 - 0.2400 - - 0.2400 0.2400 0.2400 0.2440 0.2450
Announcement Date 10/29/21 1/28/22 4/29/22 7/29/22 10/28/22 1/27/23 4/27/23 7/28/23 10/26/23 1/25/24 4/18/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.07% 6.49% 10% 10.7% 7.81% 7.44% 11.1%
ROA (Net income/ Total Assets) 1.15% 0.86% 1.26% 1.27% 0.92% 0.79% 1.12%
Assets 1 9,794 11,273 13,327 13,783 13,956 15,381 25,671
Book Value Per Share 2 21.50 20.90 22.10 21.30 22.40 19.20 20.50
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/31/20 1/29/21 1/28/22 1/27/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Provident Financial Services, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
15.09 USD
Average target price
18.2 USD
Spread / Average Target
+20.61%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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