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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
96% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. PFS: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
PFS' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.12 Max: N/A
Current: 0.06
Equity to Asset 0.14
PFS's Equity to Asset is ranked higher than
80% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PFS: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
PFS' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.14 Max: 0.22
Current: 0.14
0.08
0.22
Interest Coverage 2.60
PFS's Interest Coverage is ranked higher than
62% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. PFS: 2.60 )
Ranked among companies with meaningful Interest Coverage only.
PFS' s 10-Year Interest Coverage Range
Min: 0.34  Med: 0.88 Max: 2.88
Current: 2.6
0.34
2.88
F-Score: 5
WACC vs ROIC
6.90%
3.14%
WACC
ROIC
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 (%) 37.68
PFS's Operating margin (%) is ranked higher than
68% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. PFS: 37.68 )
Ranked among companies with meaningful Operating margin (%) only.
PFS' s 10-Year Operating margin (%) Range
Min: -54.04  Med: 31.06 Max: 40.77
Current: 37.68
-54.04
40.77
Net-margin (%) 26.44
PFS's Net-margin (%) is ranked higher than
66% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. PFS: 26.44 )
Ranked among companies with meaningful Net-margin (%) only.
PFS' s 10-Year Net-margin (%) Range
Min: -57.34  Med: 24.41 Max: 104.08
Current: 26.44
-57.34
104.08
ROE (%) 6.85
PFS's ROE (%) is ranked lower than
59% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. PFS: 6.85 )
Ranked among companies with meaningful ROE (%) only.
PFS' s 10-Year ROE (%) Range
Min: -12.8  Med: 5.29 Max: 8.6
Current: 6.85
-12.8
8.6
ROA (%) 0.92
PFS's ROA (%) is ranked higher than
56% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. PFS: 0.92 )
Ranked among companies with meaningful ROA (%) only.
PFS' s 10-Year ROA (%) Range
Min: -1.82  Med: 0.82 Max: 0.96
Current: 0.92
-1.82
0.96
ROC (Joel Greenblatt) (%) 121.88
PFS's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. PFS: 121.88 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PFS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -151.05  Med: 109.86 Max: 165.1
Current: 121.88
-151.05
165.1
Revenue Growth (3Y)(%) 1.90
PFS's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. PFS: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.60 Max: 9.7
Current: 1.9
0
9.7
EBITDA Growth (3Y)(%) 7.90
PFS's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PFS: 7.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 6.70 Max: 22
Current: 7.9
0
22
EPS Growth (3Y)(%) 6.50
PFS's EPS Growth (3Y)(%) is ranked lower than
59% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. PFS: 6.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFS' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 6.50 Max: 39.6
Current: 6.5
0
39.6
» PFS's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

PFS Guru Trades in Q4 2014

Jim Simons 272,700 sh (+8.47%)
Paul Tudor Jones Sold Out
John Keeley 2,704,279 sh (-1.44%)
» More
Q1 2015

PFS Guru Trades in Q1 2015

James Barrow 61,296 sh (New)
Jim Simons 362,200 sh (+32.82%)
John Keeley 2,656,983 sh (-1.75%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.88
PFS's P/E(ttm) is ranked lower than
58% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PFS: 15.88 )
Ranked among companies with meaningful P/E(ttm) only.
PFS' s 10-Year P/E(ttm) Range
Min: 11.15  Med: 16.83 Max: 28.55
Current: 15.88
11.15
28.55
Forward P/E 13.62
PFS's Forward P/E is ranked lower than
60% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. PFS: 13.62 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.10
PFS's PE(NRI) is ranked lower than
57% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PFS: 15.10 )
Ranked among companies with meaningful PE(NRI) only.
PFS' s 10-Year PE(NRI) Range
Min: 11.2  Med: 16.86 Max: 28.68
Current: 15.1
11.2
28.68
P/B 1.10
PFS's P/B is ranked higher than
53% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PFS: 1.10 )
Ranked among companies with meaningful P/B only.
PFS' s 10-Year P/B Range
Min: 0.54  Med: 0.96 Max: 1.34
Current: 1.1
0.54
1.34
P/S 4.20
PFS's P/S is ranked lower than
71% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. PFS: 4.20 )
Ranked among companies with meaningful P/S only.
PFS' s 10-Year P/S Range
Min: 2.22  Med: 3.83 Max: 6.45
Current: 4.2
2.22
6.45
PFCF 14.21
PFS's PFCF is ranked lower than
59% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. PFS: 14.21 )
Ranked among companies with meaningful PFCF only.
PFS' s 10-Year PFCF Range
Min: 4.97  Med: 12.12 Max: 65.19
Current: 14.21
4.97
65.19
POCF 12.68
PFS's POCF is ranked lower than
62% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. PFS: 12.68 )
Ranked among companies with meaningful POCF only.
PFS' s 10-Year POCF Range
Min: 4.7  Med: 11.01 Max: 47.57
Current: 12.68
4.7
47.57
EV-to-EBIT 24.49
PFS's EV-to-EBIT is ranked lower than
77% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. PFS: 24.49 )
Ranked among companies with meaningful EV-to-EBIT only.
PFS' s 10-Year EV-to-EBIT Range
Min: -15.9  Med: 23.20 Max: 42.7
Current: 24.49
-15.9
42.7
Shiller P/E 18.17
PFS's Shiller P/E is ranked lower than
53% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. PFS: 18.17 )
Ranked among companies with meaningful Shiller P/E only.
PFS' s 10-Year Shiller P/E Range
Min: 12.31  Med: 36.12 Max: 46.61
Current: 18.17
12.31
46.61
Days Sales Outstanding 31.00
PFS's Days Sales Outstanding is ranked higher than
55% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. PFS: 31.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
PFS' s 10-Year Days Sales Outstanding Range
Min: 32.21  Med: 40.22 Max: 241.87
Current: 31
32.21
241.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.16
PFS's Dividend Yield is ranked higher than
64% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. PFS: 3.16 )
Ranked among companies with meaningful Dividend Yield only.
PFS' s 10-Year Dividend Yield Range
Min: 1.19  Med: 3.17 Max: 5.4
Current: 3.16
1.19
5.4
Dividend Payout 0.49
PFS's Dividend Payout is ranked lower than
72% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PFS: 0.49 )
Ranked among companies with meaningful Dividend Payout only.
PFS' s 10-Year Dividend Payout Range
Min: 0.24  Med: 0.46 Max: 1.33
Current: 0.49
0.24
1.33
Dividend growth (3y) 8.50
PFS's Dividend growth (3y) is ranked higher than
54% of the 657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. PFS: 8.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
PFS' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 5.00 Max: 40.7
Current: 8.5
0
40.7
Yield on cost (5-Year) 4.43
PFS's Yield on cost (5-Year) is ranked higher than
69% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. PFS: 4.43 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFS' s 10-Year Yield on cost (5-Year) Range
Min: 1.67  Med: 4.45 Max: 7.57
Current: 4.43
1.67
7.57
Share Buyback Rate -2.10
PFS's Share Buyback Rate is ranked lower than
51% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PFS: -2.10 )
Ranked among companies with meaningful Share Buyback Rate only.
PFS' s 10-Year Share Buyback Rate Range
Min: 0  Med: 1.40 Max: -2.1
Current: -2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
PFS's Price/Tangible Book is ranked lower than
71% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PFS: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
PFS' s 10-Year Price/Tangible Book Range
Min: 1.06  Med: 1.55 Max: 2.09
Current: 1.7
1.06
2.09
Price/Projected FCF 0.68
PFS's Price/Projected FCF is ranked higher than
54% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. PFS: 0.68 )
Ranked among companies with meaningful Price/Projected FCF only.
PFS' s 10-Year Price/Projected FCF Range
Min: 0.33  Med: 0.57 Max: 0.74
Current: 0.68
0.33
0.74
Price/Median PS Value 1.10
PFS's Price/Median PS Value is ranked higher than
56% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. PFS: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
PFS' s 10-Year Price/Median PS Value Range
Min: 0.64  Med: 1.07 Max: 1.86
Current: 1.1
0.64
1.86
Price/Peter Lynch Fair Value 1.35
PFS's Price/Peter Lynch Fair Value is ranked lower than
68% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. PFS: 1.35 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PFS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.93  Med: 1.38 Max: 2.49
Current: 1.35
0.93
2.49
Price/Graham Number 1.12
PFS's Price/Graham Number is ranked lower than
69% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. PFS: 1.12 )
Ranked among companies with meaningful Price/Graham Number only.
PFS' s 10-Year Price/Graham Number Range
Min: 0.76  Med: 1.32 Max: 2.27
Current: 1.12
0.76
2.27
Earnings Yield (Greenblatt) (%) 4.13
PFS's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PFS: 4.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.3  Med: 4.20 Max: 6.3
Current: 4.13
2.3
6.3
Forward Rate of Return (Yacktman) (%) 19.95
PFS's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. PFS: 19.95 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.3  Med: 8.10 Max: 23.3
Current: 19.95
3.3
23.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:PQ3.Germany,
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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