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Provident Financial Services, Inc. PFS | NYSE

$23.17 $0.05 | 0.22%
TREND SIGNAL:Signal available — unlock to view |2026-08-20
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Company Overview:

Market Cap: $3.02B
Trailing PE: 9.7x
FWD PE *: 9.3x
Payout Ratio (TTM): 39.8%
52-Week Range: $17.70 - $25.49

* Forward PE is based on street estimates.

10 Year PFS Performance Metrics:

Total Return (with DRIP): 59.2% (4.76% CAGR)
Total Return (no DRIP): 42.8% (3.62% CAGR)
Share Price: 5.1% (0.50% CAGR)
Yield on Cost (with DRIP): 6.60%
Total Invested: $10,000
Total Value (with DRIP): $15,919
Total Return $ (with DRIP): $5,919
Dividend Increase: 26.3% (2.42% CAGR)
Dividend Yield (FWD): 4.14% ($0.96)
PFS 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
PFS Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
PFS Price CAGR:1Y: 24.84%2Y: 9.85%5Y: -1.32%10Y: 0.50%
PFS Dividend Charts
PFS - Dividends
PFS Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 2.36%
PFS - Dividend Payout Ratio
PFS Dividend Payout Ratio CAGR:1Y: -10.80%2Y: 0.00%5Y: -0.82%10Y: -3.54%
PFS - Dividend to Free Cash Flow Ratio
PFS Dividend to FCF Ratio CAGR:1Y: 44.27%2Y: -0.80%5Y: -8.04%10Y: -5.06%
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PFS - Chart 1
PFS - Chart 2
PFS - Chart 3

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PFS Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

PFS - Revenue
PFS Revenue CAGR:1Y: -4.89%2Y: 9.96%5Y: 23.85%10Y: 15.44%
PFS - Earnings Per Share (EPS)
PFS EPS CAGR:1Y: 9.09%2Y: 0.00%5Y: 0.68%10Y: 5.84%
PFS - Net Income
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PFS Net Income CAGR:1Y: 8.57%2Y: 0.00%5Y: 11.78%10Y: 13.85%
PFS - EBITDA
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PFS EBITDA CAGR:1Y: -3.73%2Y: 0.00%5Y: 8.80%10Y: 9.97%
PFS - Free Cash Flow
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PFS Free Cash Flow CAGR:1Y: -32.88%2Y: 27.38%5Y: 20.55%10Y: 15.67%
PFS - Free Cash Flow / Share
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PFS Free Cash Flow / Share CAGR:1Y: -32.84%2Y: 13.21%5Y: 8.41%10Y: 7.65%
PFS - Operating Income
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PFS Operating Income CAGR:1Y: -27.68%2Y: 0.00%5Y: -3.94%10Y: 1.14%
PFS - Gross Profit
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PFS Gross Profit CAGR:1Y: -6.62%2Y: 46.78%5Y: 0.00%10Y: 0.00%
PFS - Shares Outstanding
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PFS Shares Outstanding CAGR:1Y: -0.04%2Y: 12.54%5Y: 11.18%10Y: 7.42%
PFS - Share Buybacks
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PFS Share Buybacks CAGR:1Y: 0.00%2Y: 187.93%5Y: 194.87%10Y: 114.39%
PFS - Stock-Based Comp
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PFS Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PFS - Expenses
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PFS Expenses CAGR:1Y: -12.17%2Y: 94.45%5Y: -0.66%10Y: 18.92%
PFS - Revenue vs Net Income
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PFS - EPS vs FCF / Share
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PFS - EPS vs PE Ratio
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PFS - FCF vs FCF / Share
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PFS - FCF vs Stock Based Comp
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PFS - Cash & Debt
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PFS - Revenue by Segment
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PFS Revenue CAGR:1Y: -4.89%2Y: 9.96%5Y: 23.85%10Y: 15.44%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

PFS - REVENUE: Actual + Estimates
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PFS Actual Revenue CAGR:1Y: -4.89%2Y: 9.96%5Y: 23.85%10Y: 15.44%
PFS - EPS: Actual + Estimates
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PFS Actual EPS CAGR:1Y: 9.09%2Y: 0.00%5Y: 0.68%10Y: 5.84%
PFS - NET INCOME: Actual + Estimates
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PFS Actual Net Income CAGR:1Y: 8.57%2Y: 0.00%5Y: 11.78%10Y: 13.85%
PFS - EBITDA: Actual + Estimates
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PFS Actual EBITDA CAGR:1Y: -3.73%2Y: 0.00%5Y: 8.80%10Y: 9.97%

Ratios, Profit Margins & Return on Capital:

PFS - Net Profit Margin
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PFS Net Profit Margin CAGR:1Y: 14.17%2Y: 0.00%5Y: -9.75%10Y: -1.37%
PFS - Gross Profit Margin
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PFS Gross Profit Margin CAGR:1Y: -1.82%2Y: 33.48%5Y: -7.56%10Y: -3.65%
PFS - Price to Earnings
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PFS Price to Earnings CAGR:1Y: 23.62%2Y: 0.00%5Y: 0.12%10Y: -3.87%
PFS - Price To Sales Ratio
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PFS Price To Sales Ratio CAGR:1Y: 41.71%2Y: 31.32%5Y: -9.63%10Y: -5.18%
PFS - Return on Capital Employed
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PFS Return on Capital Employed CAGR:1Y: -83.97%2Y: 0.00%5Y: -31.07%10Y: -8.69%
PFS - Return on Invested Capital
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PFS Return on Invested Capital CAGR:1Y: -32.10%2Y: 0.00%5Y: -21.39%10Y: -6.30%

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PFS Dividends Info:

Annual Dividend: $0.96
Forward Yield: 4.14%
Ex-Dividend Date: 2026-08-14
Lifetime Dividends / Share: $15.85

PFS Dividend History: Dates, Payments & Yield list

Below is a schedule of all PFS dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
08/14/202608/17/2026$0.2403.9%3.91%$24.57
05/15/202605/18/2026$0.2404.47%4.42%$21.73
02/13/202602/16/2026$0.2404.18%4.56%$21.04
11/14/202511/17/2025$0.2405.18%5.4%$17.77
08/15/202508/18/2025$0.2405.12%5.14%$18.67
05/16/202505/19/2025$0.2405.49%5.53%$17.35
02/14/202502/17/2025$0.2405.15%5.26%$18.25
11/15/202411/18/2024$0.2404.49%4.54%$21.16
07/16/202408/30/2024$0.2405.44%5.03%$19.07
08/16/202408/19/2024$0.2405.32%5.28%$18.19
04/26/202404/29/2024$0.2406.36%6.44%$14.91
02/08/202402/12/2024$0.2406.35%6.02%$15.94
11/09/202311/13/2023$0.2406.68%6.69%$14.35
08/10/202308/14/2023$0.2405.38%5.41%$17.74
05/11/202305/15/2023$0.2406.41%6.32%$15.19
02/09/202302/13/2023$0.2404.05%4.02%$23.88
11/09/202211/25/2022$0.2404.37%4.24%$22.64
08/11/202208/26/2022$0.2403.91%4.01%$23.96
05/12/202205/27/2022$0.2404.4%4.16%$23.10
02/10/202202/25/2022$0.2404.05%4.05%$23.69
11/10/202111/26/2021$0.2403.76%3.96%$24.24
08/12/202108/27/2021$0.2304.11%4.13%$22.29
05/13/202105/28/2021$0.2303.64%3.64%$25.26
02/11/202102/26/2021$0.2304.74%4.55%$20.23
11/12/202011/27/2020$0.2306.36%5.67%$16.22
08/13/202008/28/2020$0.2306.59%6.87%$13.40
05/14/202005/29/2020$0.2308.13%7.06%$13.03
02/13/202002/28/2020$0.2303.97%4.6%$19.98
11/14/201911/29/2019$0.2303.7%3.78%$24.32
08/14/201908/30/2019$0.2303.98%3.86%$23.81
05/14/201905/31/2019$0.2303.62%3.86%$23.84
02/14/201902/28/2019$0.4306.4%6.27%$27.45
11/14/201811/30/2018$0.2103.41%3.27%$25.68
08/14/201808/31/2018$0.2103.31%3.33%$25.23
05/14/201805/31/2018$0.2003%2.86%$27.94
02/14/201802/28/2018$0.2003.11%3.22%$24.88
12/07/201712/22/2017$0.1502.18%2.18%$27.48
11/14/201711/30/2017$0.2003.05%2.93%$27.34
08/11/201708/31/2017$0.2003.27%3.22%$24.85
05/11/201705/31/2017$0.1903.05%3.26%$23.34
02/13/201702/28/2017$0.1902.9%2.86%$26.55
11/10/201611/30/2016$0.1802.93%2.67%$26.94
08/11/201608/31/2016$0.1803.53%3.34%$21.57
05/11/201605/31/2016$0.1803.7%3.53%$20.42
02/10/201602/26/2016$0.1703.74%3.6%$18.88
11/10/201511/27/2015$0.1703.28%3.25%$20.95
08/12/201508/28/2015$0.1603.32%3.4%$18.84
05/13/201505/29/2015$0.1603.51%3.52%$18.18
02/11/201502/27/2015$0.1603.51%3.52%$18.20
11/12/201411/28/2014$0.1503.31%3.47%$17.28
08/13/201408/29/2014$0.1503.56%3.53%$17.01
05/13/201405/30/2014$0.1503.52%3.54%$16.93
02/12/201402/28/2014$0.1503.63%3.23%$18.56
11/13/201311/29/2013$0.1503.21%3.07%$19.55
08/13/201308/30/2013$0.1403.2%3.46%$16.18
05/13/201305/31/2013$0.1403.66%3.68%$15.22
02/13/201302/28/2013$0.1303.43%3.47%$14.99
11/13/201211/30/2012$0.1303.79%3.59%$14.49
08/13/201208/31/2012$0.1303.39%3.37%$15.44
05/11/201205/31/2012$0.1303.6%3.73%$13.95
02/13/201202/29/2012$0.1203.38%3.49%$13.74
11/10/201111/30/2011$0.1203.87%3.67%$13.09
08/11/201108/31/2011$0.1203.89%3.82%$12.56
05/12/201105/31/2011$0.1203.4%3.36%$14.29
02/11/201102/28/2011$0.1102.94%2.97%$14.81
11/10/201011/30/2010$0.1103.19%3.19%$13.78
08/12/201008/31/2010$0.1103.9%3.84%$11.47
05/12/201005/28/2010$0.1103.29%3.56%$12.36
02/10/201002/26/2010$0.1104.31%4.01%$10.96
11/12/200911/30/2009$0.1104.25%4.16%$10.58
08/13/200908/31/2009$0.1103.71%3.99%$11.02
05/13/200905/29/2009$0.1104.75%4.47%$9.84
02/11/200902/27/2009$0.1104.28%4.71%$9.34
11/12/200811/28/2008$0.1103.04%2.94%$14.99
08/13/200808/29/2008$0.1102.95%2.89%$15.25
05/13/200805/30/2008$0.1102.78%2.8%$15.73
02/13/200802/28/2008$0.1103.41%3.49%$12.62
11/13/200711/30/2007$0.1102.7%2.96%$14.86
08/13/200708/31/2007$0.1102.95%2.62%$16.80
05/11/200705/31/2007$0.1002.39%2.38%$16.80
02/13/200702/28/2007$0.1002.19%2.28%$17.56
11/13/200611/30/2006$0.1002.18%2.2%$18.19
08/11/200608/31/2006$0.1002.22%2.14%$18.65
05/11/200605/31/2006$0.1002.27%2.18%$18.36
02/13/200602/28/2006$0.0901.98%1.94%$18.60
11/09/200511/30/2005$0.0901.99%2%$17.99
08/10/200508/31/2005$0.0801.79%1.8%$17.78
05/11/200505/31/2005$0.0801.83%1.8%$17.78
02/09/200502/28/2005$0.0701.58%1.57%$17.82
11/09/200411/30/2004$0.0601.28%1.24%$19.43
08/11/200408/31/2004$0.0601.4%1.34%$17.86
05/12/200405/28/2004$0.0601.33%1.32%$18.24
02/11/200402/27/2004$0.0601.24%1.22%$19.70
11/12/200311/28/2003$0.0501%0.97%$20.71
08/13/200308/29/2003$0.0501%0.99%$20.23
05/13/200305/30/2003$0.0400.87%0.88%$18.20

Projected Future Returns & Dividends for PFS

Based on past 10-year performance, here are PFS growth metrics:

Share price CAGR of +0.5%
Dividend CAGR of +2.93%

Using PFS CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

PFS (DRIP)PFS - No DRIP
Current Price$23.17$23.17
Start Shares431.59431.59
Start Value$10,000$10,000
  
After 10 years:
Final Share Count683.58431.59
Dividends Payment$0.32$0.32
Annual Dividends$876$553
Yield on cost8.76%5.53%
Share Price$24.35$24.35
Total Dividends$5,988$4,735
Final Value$16,643$15,243

Estimated Future Value + Dividends - PFS

NOTE: Above numbers are our estimate based on PFS's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Provident Financial Services, Inc. (PFS) had its IPO on 2003-01-16, and is traded on NYSE stock exchange.

Provident Financial Services, Inc. functions as the parent company for Provident Bank, delivering a broad spectrum of financial products and services to individuals, families, and businesses across the United States. Its deposit offerings encompass various account types, including savings, standard and interest-bearing checking accounts, money market accounts, certificates of deposit, and IRA products. The company's extensive loan portfolio features commercial real estate loans, which are collateralized by properties such as multi-family apartment complexes, office buildings, retail spaces, and industrial sites. It also provides commercial business loans, alongside fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residential properties. Further loan options include commercial construction loans and a range of consumer loans like home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and financing for automobiles and recreational vehicles. Beyond these, Provident delivers essential banking solutions such as cash management, remote deposit capture, payroll origination, escrow account management, and convenient online and mobile banking services, in addition to offering business credit cards. The company also extends wealth management services, covering investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. In a broader capacity, Provident sells insurance and investment products, including annuities. It also operates as a real estate investment trust (REIT), focused on acquiring mortgage loans and other real estate-related assets, and actively manages and sells properties obtained through foreclosure. As of December 31, 2021, the company maintained 96 full-service branch offices situated across northern and central New Jersey, as well as specific counties in Pennsylvania and New York. Provident Financial Services, Inc. was founded in 1839 and is headquartered in Jersey City, New Jersey.

PFS website: https://www.provident.bank

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DCF Model — PFS

Value from:
Pay up to today
—
vs current price $23.17
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →