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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.06
PFS's Cash to Debt is ranked lower than
53% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. PFS: 0.06 )
PFS' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.06

Equity to Asset 0.13
PFS's Equity to Asset is ranked higher than
88% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PFS: 0.13 )
PFS' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.22
Current: 0.13

0.08
0.22
Interest Coverage 2.88
PFS's Interest Coverage is ranked higher than
82% of the 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PFS: 2.88 )
PFS' s 10-Year Interest Coverage Range
Min: 0.34   Max: 2.88
Current: 2.88

0.34
2.88
F-Score: 4
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 36.85
PFS's Operating margin (%) is ranked higher than
84% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. PFS: 36.85 )
PFS' s 10-Year Operating margin (%) Range
Min: -54.04   Max: 40.77
Current: 36.85

-54.04
40.77
Net-margin (%) 25.87
PFS's Net-margin (%) is ranked higher than
83% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. PFS: 25.87 )
PFS' s 10-Year Net-margin (%) Range
Min: -57.34   Max: 104.08
Current: 25.87

-57.34
104.08
ROE (%) 6.61
PFS's ROE (%) is ranked higher than
68% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. PFS: 6.61 )
PFS' s 10-Year ROE (%) Range
Min: -12.8   Max: 8.6
Current: 6.61

-12.8
8.6
ROA (%) 0.89
PFS's ROA (%) is ranked higher than
77% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PFS: 0.89 )
PFS' s 10-Year ROA (%) Range
Min: -1.82   Max: 0.96
Current: 0.89

-1.82
0.96
ROC (Joel Greenblatt) (%) 125.85
PFS's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. PFS: 125.85 )
PFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -151.05   Max: 165.1
Current: 125.85

-151.05
165.1
Revenue Growth (3Y)(%) 2.20
PFS's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PFS: 2.20 )
PFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 9.7
Current: 2.2

0
9.7
EBITDA Growth (3Y)(%) 13.70
PFS's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PFS: 13.70 )
PFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 22
Current: 13.7

0
22
EPS Growth (3Y)(%) 11.80
PFS's EPS Growth (3Y)(%) is ranked higher than
79% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. PFS: 11.80 )
PFS' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 39.6
Current: 11.8

0
39.6
» PFS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

PFS Guru Trades in Q4 2013

John Keeley 1,598,500 sh (+3.23%)
Paul Tudor Jones 24,713 sh (-0.35%)
Jim Simons 94,823 sh (-54.56%)
» More
Q1 2014

PFS Guru Trades in Q1 2014

John Keeley 2,394,448 sh (+49.79%)
Jim Simons 107,836 sh (+13.72%)
Paul Tudor Jones 22,531 sh (-8.83%)
» More
Q2 2014

PFS Guru Trades in Q2 2014

Paul Tudor Jones 36,738 sh (+63.06%)
John Keeley 2,668,059 sh (+11.43%)
Jim Simons 77,900 sh (-27.76%)
» More
Q3 2014

PFS Guru Trades in Q3 2014

Jim Simons 251,414 sh (+222.74%)
John Keeley 2,743,849 sh (+2.84%)
Paul Tudor Jones 18,500 sh (-49.64%)
» More
» Details

Insider Trades

Latest Guru Trades with PFS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-03-31 Add 49.79%0.25%$16.38 - $19.42 $ 18.160%2394448
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.40
PFS's P/E(ttm) is ranked higher than
78% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. PFS: 15.40 )
PFS' s 10-Year P/E(ttm) Range
Min: 11.15   Max: 61.95
Current: 15.4

11.15
61.95
P/B 1.05
PFS's P/B is ranked higher than
81% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. PFS: 1.05 )
PFS' s 10-Year P/B Range
Min: 0.54   Max: 1.48
Current: 1.05

0.54
1.48
P/S 3.99
PFS's P/S is ranked higher than
70% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. PFS: 3.99 )
PFS' s 10-Year P/S Range
Min: 2.22   Max: 7.41
Current: 3.99

2.22
7.41
PFCF 15.79
PFS's PFCF is ranked higher than
80% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PFS: 15.79 )
PFS' s 10-Year PFCF Range
Min: 4.08   Max: 65.19
Current: 15.79

4.08
65.19
EV-to-EBIT 26.03
PFS's EV-to-EBIT is ranked higher than
66% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. PFS: 26.03 )
PFS' s 10-Year EV-to-EBIT Range
Min: -15.9   Max: 66.9
Current: 26.03

-15.9
66.9
Shiller P/E 35.71
PFS's Shiller P/E is ranked higher than
79% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PFS: 35.71 )
PFS' s 10-Year Shiller P/E Range
Min: 12.31   Max: 46.61
Current: 35.71

12.31
46.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
PFS's Dividend Yield is ranked higher than
71% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 vs. PFS: 3.30 )
PFS' s 10-Year Dividend Yield Range
Min: 0.71   Max: 5.4
Current: 3.3

0.71
5.4
Dividend Payout 0.51
PFS's Dividend Payout is ranked higher than
66% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. PFS: 0.51 )
PFS' s 10-Year Dividend Payout Range
Min: 0.24   Max: 1.33
Current: 0.51

0.24
1.33
Dividend growth (3y) 8.40
PFS's Dividend growth (3y) is ranked higher than
82% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. PFS: 8.40 )
PFS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 40.7
Current: 8.4

0
40.7
Yield on cost (5-Year) 4.52
PFS's Yield on cost (5-Year) is ranked higher than
76% of the 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. PFS: 4.52 )
PFS' s 10-Year Yield on cost (5-Year) Range
Min: 0.97   Max: 7.4
Current: 4.52

0.97
7.4
Share Buyback Rate -0.50
PFS's Share Buyback Rate is ranked higher than
80% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. PFS: -0.50 )
PFS' s 10-Year Share Buyback Rate Range
Min: 0   Max: -2.1
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.64
PFS's Price/Tangible Book is ranked higher than
71% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. PFS: 1.64 )
PFS' s 10-Year Price/Tangible Book Range
Min: 1.06   Max: 2.09
Current: 1.64

1.06
2.09
Price/DCF (Projected) 0.71
PFS's Price/DCF (Projected) is ranked higher than
85% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.17 vs. PFS: 0.71 )
PFS' s 10-Year Price/DCF (Projected) Range
Min: 0.33   Max: 0.74
Current: 0.71

0.33
0.74
Price/Median PS Value 1.03
PFS's Price/Median PS Value is ranked higher than
84% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. PFS: 1.03 )
PFS' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 6.45
Current: 1.03

0.63
6.45
Price/Graham Number 1.11
PFS's Price/Graham Number is ranked higher than
74% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PFS: 1.11 )
PFS' s 10-Year Price/Graham Number Range
Min: 0.76   Max: 2.27
Current: 1.11

0.76
2.27
Earnings Yield (Greenblatt) 3.80
PFS's Earnings Yield (Greenblatt) is ranked higher than
62% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PFS: 3.80 )
PFS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 6.3
Current: 3.8

1.5
6.3
Forward Rate of Return (Yacktman) 1.84
PFS's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. PFS: 1.84 )
PFS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.3   Max: 33.3
Current: 1.84

3.3
33.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Provident Financial Services Inc is a Delaware corporation which, on January 15, 2003, became the holding company for The Provident Bank (the Bank), following the completion of the conversion of the Bank to a stock chartered savings bank. The Company conducts its business through the Bank, which is a community- and customer-oriented bank currently operating approximately 77 full-service branches in ten counties throughout northern and central New Jersey. It provides banking services to individual and business customers through branch offices in New Jersey. The Bank is a New Jersey-chartered capital stock savings bank. It emphasizes personal service and customer convenience in serving the financial needs of the individuals, families and businesses residing in its markets. The Bank attracts deposits from the general public in the areas surrounding its banking offices and uses those funds, together with funds generated from operations and borrowings, to originate commercial real estate loans, residential mortgage loans, commercial business loans and consumer loans. The Bank also invests in mortgage-backed securities and other permissible investments. The Bank originates commercial real estate loans that are secured by income-producing properties such as multi-family residences, office buildings, and retail and industrial properties. It provides construction loans for both single family and condominium projects intended for sale and projects that would be retained as investments by the borrower. It originates consumer loans that are secured, in cases, by a borrowers assets. Home equity loans and home equity lines of credit that are mainly secured by a second mortgage lien on the borrowers residence comprise the largest category of the Banks consumer loan portfolio. Commercial loans are loans to businesses of varying size and type within the Banks market. The Bank lends to established businesses, and the loans are generally secured by business assets such as equipment, receivables, inventory, real estate or marketable securities. The Bank conducts business through approximately 77 full-service branch offices located in Hudson, Bergen, Essex, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset and Union Counties, New Jersey. The Banks lending activities, though concentrated in the communities surrounding its offices, extend predominantly throughout the State of New Jersey. The Bank faces intense competition both in originating loans and attracting deposits. Its direct competition for deposits has come from the several commercial banks and savings banks in the market area. The Company is subject to regulation, supervision and examination by the New Jersey Department of Banking and Insurance, its chartering authority, and by the Federal Deposit Insurance Corporation, as insurer of its deposits.
» More Articles for PFS

Headlines

Articles On GuruFocus.com
Guru Stocks Raising Dividends: JNJ, LXK, SXT, PFS, CBRL Apr 30 2012 
insiders Shares of Oct 10 2011 
Notable Dividend Hikes Today: APU, JNJ, TSCO, PFS, ACI, MEOH Apr 28 2011 
Provident Financial Services Inc. Reports Operating Results (10-K) Mar 01 2011 
Provident Financial Services Inc. Reports Operating Results (10-Q) Aug 09 2010 
Provident Financial Services Inc. Reports Operating Results (10-Q) May 10 2010 
Provident Financial Services Inc. (PFS) Chairman Paul M Pantozzi sells 15,000 Shares Dec 10 2009 
Provident Financial Services Inc. (PFS) Chairman and CEO Paul M Pantozzi sells 10,000 Shares Jul 31 2009 
Provident Financial Services Inc. Reports Operating Results (10-Q) May 11 2009 
Provident Financial Services, Inc. Announces Fourth Quarter and Full-Year Earnings for 2008 and Decl Jan 29 2009 

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