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Provident Financial Services, Inc. PFS | NYSE

$23.33 $0.00 | 0.00%

Next Earnings: Sep 14, 2026

Company Overview:

Market Cap: $0

Trailing PE: 0x

FWD PE *: 9.3x

Payout Ratio (TTM): 39.8%

52-Week Range: $17.69 - $25.49

* Forward PE is based on street estimates.

10 Year PFS Performance Metrics:

Total Return (with DRIP): 75.8% (5.80% CAGR)

Total Return (no DRIP): 57.3% (4.64% CAGR)

Share Price: 12.8% (1.21% CAGR)

Yield on Cost (with DRIP): 7.23%

Total Invested: $10,000

Total Value (with DRIP): $17,578

Total Return $ (with DRIP): $7,578

Dividend Increase: 26.3% (2.42% CAGR)

Dividend Yield (FWD): 4.11% ($0.96)

PFS 10-yr Total Return ($10K invested)

1Y 2Y 5Y 10Y All

PFS Share Price chart

Share Price

PFS Price CAGR:1Y: 19.21%2Y: 12.79%5Y: 1.10%10Y: 1.21%

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 to Free Cash Flow Ratio

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PFS Earnings, Revenue, Cash & Debt, Shares Outstanding:

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 Sales Ratio

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PFS - Return on Capital Employed

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PFS - Return on Invested Capital

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PFS Dividends Info:

Annual Dividend: $0.96

Forward Yield: 4.11%

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
08/14/2026	08/17/2026	$0.240	3.9%	3.91%	$24.57
05/15/2026	05/18/2026	$0.240	4.47%	4.42%	$21.73
02/13/2026	02/16/2026	$0.240	4.18%	4.56%	$21.04
11/14/2025	11/17/2025	$0.240	5.18%	5.4%	$17.77
08/15/2025	08/18/2025	$0.240	5.12%	5.14%	$18.67
05/16/2025	05/19/2025	$0.240	5.49%	5.53%	$17.35
02/14/2025	02/17/2025	$0.240	5.15%	5.26%	$18.25
11/15/2024	11/18/2024	$0.240	4.49%	4.54%	$21.16
07/16/2024	08/30/2024	$0.240	5.44%	5.03%	$19.07
08/16/2024	08/19/2024	$0.240	5.32%	5.28%	$18.19
04/26/2024	04/29/2024	$0.240	6.36%	6.44%	$14.91
02/08/2024	02/12/2024	$0.240	6.35%	6.02%	$15.94
11/09/2023	11/13/2023	$0.240	6.68%	6.69%	$14.35
08/10/2023	08/14/2023	$0.240	5.38%	5.41%	$17.74
05/11/2023	05/15/2023	$0.240	6.41%	6.32%	$15.19
02/09/2023	02/13/2023	$0.240	4.05%	4.02%	$23.88
11/09/2022	11/25/2022	$0.240	4.37%	4.24%	$22.64
08/11/2022	08/26/2022	$0.240	3.91%	4.01%	$23.96
05/12/2022	05/27/2022	$0.240	4.4%	4.16%	$23.10
02/10/2022	02/25/2022	$0.240	4.05%	4.05%	$23.69
11/10/2021	11/26/2021	$0.240	3.76%	3.96%	$24.24
08/12/2021	08/27/2021	$0.230	4.11%	4.13%	$22.29
05/13/2021	05/28/2021	$0.230	3.64%	3.64%	$25.26
02/11/2021	02/26/2021	$0.230	4.74%	4.55%	$20.23
11/12/2020	11/27/2020	$0.230	6.36%	5.67%	$16.22
08/13/2020	08/28/2020	$0.230	6.59%	6.87%	$13.40
05/14/2020	05/29/2020	$0.230	8.13%	7.06%	$13.03
02/13/2020	02/28/2020	$0.230	3.97%	4.6%	$19.98
11/14/2019	11/29/2019	$0.230	3.7%	3.78%	$24.32
08/14/2019	08/30/2019	$0.230	3.98%	3.86%	$23.81
05/14/2019	05/31/2019	$0.230	3.62%	3.86%	$23.84
02/14/2019	02/28/2019	$0.430	6.4%	6.27%	$27.45
11/14/2018	11/30/2018	$0.210	3.41%	3.27%	$25.68
08/14/2018	08/31/2018	$0.210	3.31%	3.33%	$25.23
05/14/2018	05/31/2018	$0.200	3%	2.86%	$27.94
02/14/2018	02/28/2018	$0.200	3.11%	3.22%	$24.88
12/07/2017	12/22/2017	$0.150	2.18%	2.18%	$27.48
11/14/2017	11/30/2017	$0.200	3.05%	2.93%	$27.34
08/11/2017	08/31/2017	$0.200	3.27%	3.22%	$24.85
05/11/2017	05/31/2017	$0.190	3.05%	3.26%	$23.34
02/13/2017	02/28/2017	$0.190	2.9%	2.86%	$26.55
11/10/2016	11/30/2016	$0.180	2.93%	2.67%	$26.94
08/11/2016	08/31/2016	$0.180	3.53%	3.34%	$21.57
05/11/2016	05/31/2016	$0.180	3.7%	3.53%	$20.42
02/10/2016	02/26/2016	$0.170	3.74%	3.6%	$18.88
11/10/2015	11/27/2015	$0.170	3.28%	3.25%	$20.95
08/12/2015	08/28/2015	$0.160	3.32%	3.4%	$18.84
05/13/2015	05/29/2015	$0.160	3.51%	3.52%	$18.18
02/11/2015	02/27/2015	$0.160	3.51%	3.52%	$18.20
11/12/2014	11/28/2014	$0.150	3.31%	3.47%	$17.28
08/13/2014	08/29/2014	$0.150	3.56%	3.53%	$17.01
05/13/2014	05/30/2014	$0.150	3.52%	3.54%	$16.93
02/12/2014	02/28/2014	$0.150	3.63%	3.23%	$18.56
11/13/2013	11/29/2013	$0.150	3.21%	3.07%	$19.55
08/13/2013	08/30/2013	$0.140	3.2%	3.46%	$16.18
05/13/2013	05/31/2013	$0.140	3.66%	3.68%	$15.22
02/13/2013	02/28/2013	$0.130	3.43%	3.47%	$14.99
11/13/2012	11/30/2012	$0.130	3.79%	3.59%	$14.49
08/13/2012	08/31/2012	$0.130	3.39%	3.37%	$15.44
05/11/2012	05/31/2012	$0.130	3.6%	3.73%	$13.95
02/13/2012	02/29/2012	$0.120	3.38%	3.49%	$13.74
11/10/2011	11/30/2011	$0.120	3.87%	3.67%	$13.09
08/11/2011	08/31/2011	$0.120	3.89%	3.82%	$12.56
05/12/2011	05/31/2011	$0.120	3.4%	3.36%	$14.29
02/11/2011	02/28/2011	$0.110	2.94%	2.97%	$14.81
11/10/2010	11/30/2010	$0.110	3.19%	3.19%	$13.78
08/12/2010	08/31/2010	$0.110	3.9%	3.84%	$11.47
05/12/2010	05/28/2010	$0.110	3.29%	3.56%	$12.36
02/10/2010	02/26/2010	$0.110	4.31%	4.01%	$10.96
11/12/2009	11/30/2009	$0.110	4.25%	4.16%	$10.58
08/13/2009	08/31/2009	$0.110	3.71%	3.99%	$11.02
05/13/2009	05/29/2009	$0.110	4.75%	4.47%	$9.84
02/11/2009	02/27/2009	$0.110	4.28%	4.71%	$9.34
11/12/2008	11/28/2008	$0.110	3.04%	2.94%	$14.99
08/13/2008	08/29/2008	$0.110	2.95%	2.89%	$15.25
05/13/2008	05/30/2008	$0.110	2.78%	2.8%	$15.73
02/13/2008	02/28/2008	$0.110	3.41%	3.49%	$12.62
11/13/2007	11/30/2007	$0.110	2.7%	2.96%	$14.86
08/13/2007	08/31/2007	$0.110	2.95%	2.62%	$16.80
05/11/2007	05/31/2007	$0.100	2.39%	2.38%	$16.80
02/13/2007	02/28/2007	$0.100	2.19%	2.28%	$17.56
11/13/2006	11/30/2006	$0.100	2.18%	2.2%	$18.19
08/11/2006	08/31/2006	$0.100	2.22%	2.14%	$18.65
05/11/2006	05/31/2006	$0.100	2.27%	2.18%	$18.36
02/13/2006	02/28/2006	$0.090	1.98%	1.94%	$18.60
11/09/2005	11/30/2005	$0.090	1.99%	2%	$17.99
08/10/2005	08/31/2005	$0.080	1.79%	1.8%	$17.78
05/11/2005	05/31/2005	$0.080	1.83%	1.8%	$17.78
02/09/2005	02/28/2005	$0.070	1.58%	1.57%	$17.82
11/09/2004	11/30/2004	$0.060	1.28%	1.24%	$19.43
08/11/2004	08/31/2004	$0.060	1.4%	1.34%	$17.86
05/12/2004	05/28/2004	$0.060	1.33%	1.32%	$18.24
02/11/2004	02/27/2004	$0.060	1.24%	1.22%	$19.70
11/12/2003	11/28/2003	$0.050	1%	0.97%	$20.71
08/13/2003	08/29/2003	$0.050	1%	0.99%	$20.23
05/13/2003	05/30/2003	$0.040	0.87%	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 +1.21%
Dividend CAGR of +2.93%

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

	PFS (DRIP)	PFS - No DRIP
Current Price	$23.33	$23.33
Start Shares	428.63	428.63
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	645.47	428.63
Dividends Payment	$0.27	$0.27
Annual Dividends	$699	$464
Yield on cost	6.99%	4.64%
Share Price	$26.31	$26.31
Total Dividends	$5,365	$4,346
Final Value	$16,980	$15,622

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 trader 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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