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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.10
NYSE:PFS's Cash-to-Debt is ranked lower than
94% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. NYSE:PFS: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:PFS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.11 Max: N/A
Current: 0.1
Equity-to-Asset 0.13
NYSE:PFS's Equity-to-Asset is ranked higher than
77% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NYSE:PFS: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:PFS' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.14 Max: 0.22
Current: 0.13
0.08
0.22
Interest Coverage 2.90
NYSE:PFS's Interest Coverage is ranked higher than
66% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. NYSE:PFS: 2.90 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:PFS' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 2.14 Max: 2.9
Current: 2.9
0.34
2.9
Beneish M-Score: -2.45
WACC vs ROIC
4.08%
3.34%
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 : 5/10

vs
industry
vs
history
Operating Margin % 40.00
NYSE:PFS's Operating Margin % is ranked higher than
69% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. NYSE:PFS: 40.00 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:PFS' s Operating Margin % Range Over the Past 10 Years
Min: -54.04  Med: 33.95 Max: 40.71
Current: 40
-54.04
40.71
Net Margin % 28.46
NYSE:PFS's Net Margin % is ranked higher than
66% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. NYSE:PFS: 28.46 )
Ranked among companies with meaningful Net Margin % only.
NYSE:PFS' s Net Margin % Range Over the Past 10 Years
Min: -57.34  Med: 24.43 Max: 28.46
Current: 28.46
-57.34
28.46
ROE % 7.28
NYSE:PFS's ROE % is ranked lower than
61% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. NYSE:PFS: 7.28 )
Ranked among companies with meaningful ROE % only.
NYSE:PFS' s ROE % Range Over the Past 10 Years
Min: -12.8  Med: 6.48 Max: 7.28
Current: 7.28
-12.8
7.28
ROA % 0.97
NYSE:PFS's ROA % is ranked higher than
56% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. NYSE:PFS: 0.97 )
Ranked among companies with meaningful ROA % only.
NYSE:PFS' s ROA % Range Over the Past 10 Years
Min: -1.82  Med: 0.87 Max: 0.97
Current: 0.97
-1.82
0.97
3-Year Revenue Growth Rate 2.70
NYSE:PFS's 3-Year Revenue Growth Rate is ranked lower than
59% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. NYSE:PFS: 2.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:PFS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.6 Max: 12
Current: 2.7
0
12
3-Year EBITDA Growth Rate 2.50
NYSE:PFS's 3-Year EBITDA Growth Rate is ranked lower than
63% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NYSE:PFS: 2.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:PFS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.7 Max: 31.1
Current: 2.5
0
31.1
3-Year EPS without NRI Growth Rate 3.90
NYSE:PFS's 3-Year EPS without NRI Growth Rate is ranked lower than
60% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NYSE:PFS: 3.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:PFS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.5 Max: 41.1
Current: 3.9
0
41.1
GuruFocus has detected 1 Warning Sign with Provident Financial Services Inc $NYSE:PFS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:PFS's 30-Y Financials

Financials (Next Earnings Date: 2017-10-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522110    SIC: 6035
Compare:NAS:NWBI, NAS:BOFI, NYSE:FBC, NAS:CFFN, NAS:KRNY, NYSE:AF, NAS:EBSB, NAS:OCFC, NAS:UBNK, NAS:LOB, NAS:CASH, NAS:FFIC, NAS:HMST, NAS:DCOM, NAS:HONE, NAS:WSBF, NAS:FDEF, NAS:EBTC, NAS:BKMU, NAS:UCFC » details
Traded in other countries:PQ3.Germany,
Headquarter Location:USA
Provident Financial Services Inc is a bank holding company. The Company through its subsidiary provides banking services to individual and business customers through branch offices in New Jersey and eastern Pennsylvania.

Provident Financial Services is the holding company for The Provident Bank, a community-oriented bank. The company provides a comprehensive array of financial products and services through its network of branches throughout northern and central New Jersey, and certain counties in Pennsylvania. The company's strategy emphasizes growing high-return businesses in nonstandard markets, and maintaining a secured capital structure. Commercial loans represent a plurality of the company's loans, followed by construction loans. Net interest income is the largest portion of the company's net revenue.

Ratios

vs
industry
vs
history
PE Ratio 17.67
PFS's PE Ratio is ranked lower than
61% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. PFS: 17.67 )
Ranked among companies with meaningful PE Ratio only.
PFS' s PE Ratio Range Over the Past 10 Years
Min: 11.08  Med: 15.28 Max: 28.68
Current: 17.67
11.08
28.68
Forward PE Ratio 16.29
PFS's Forward PE Ratio is ranked lower than
55% of the 384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.67 vs. PFS: 16.29 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.67
PFS's PE Ratio without NRI is ranked lower than
61% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. PFS: 17.67 )
Ranked among companies with meaningful PE Ratio without NRI only.
PFS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.08  Med: 15.28 Max: 28.68
Current: 17.67
11.08
28.68
Price-to-Owner-Earnings 17.20
PFS's Price-to-Owner-Earnings is ranked lower than
60% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. PFS: 17.20 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PFS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.85  Med: 16.27 Max: 75.54
Current: 17.2
6.85
75.54
PB Ratio 1.33
PFS's PB Ratio is ranked lower than
54% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. PFS: 1.33 )
Ranked among companies with meaningful PB Ratio only.
PFS' s PB Ratio Range Over the Past 10 Years
Min: 0.54  Med: 0.96 Max: 1.5
Current: 1.33
0.54
1.5
PS Ratio 5.05
PFS's PS Ratio is ranked lower than
75% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. PFS: 5.05 )
Ranked among companies with meaningful PS Ratio only.
PFS' s PS Ratio Range Over the Past 10 Years
Min: 2.23  Med: 3.83 Max: 5.93
Current: 5.05
2.23
5.93
Price-to-Free-Cash-Flow 13.37
PFS's Price-to-Free-Cash-Flow is ranked lower than
55% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. PFS: 13.37 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PFS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.41  Med: 11.61 Max: 65.92
Current: 13.37
6.41
65.92
Price-to-Operating-Cash-Flow 12.98
PFS's Price-to-Operating-Cash-Flow is ranked lower than
60% of the 959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.18 vs. PFS: 12.98 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PFS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.93  Med: 10.41 Max: 47.31
Current: 12.98
5.93
47.31
EV-to-EBIT 24.86
PFS's EV-to-EBIT is ranked lower than
79% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. PFS: 24.86 )
Ranked among companies with meaningful EV-to-EBIT only.
PFS' s EV-to-EBIT Range Over the Past 10 Years
Min: -15.9  Med: 23 Max: 42.7
Current: 24.86
-15.9
42.7
EV-to-EBITDA 22.63
PFS's EV-to-EBITDA is ranked lower than
81% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. PFS: 22.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -18.3  Med: 20.15 Max: 34.2
Current: 22.63
-18.3
34.2
PEG Ratio 2.71
PFS's PEG Ratio is ranked lower than
72% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. PFS: 2.71 )
Ranked among companies with meaningful PEG Ratio only.
PFS' s PEG Ratio Range Over the Past 10 Years
Min: 0.98  Med: 2 Max: 27.3
Current: 2.71
0.98
27.3
Shiller PE Ratio 31.65
PFS's Shiller PE Ratio is ranked lower than
77% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. PFS: 31.65 )
Ranked among companies with meaningful Shiller PE Ratio only.
PFS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 23.3  Med: 27.02 Max: 37.34
Current: 31.65
23.3
37.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.95
PFS's Dividend Yield % is ranked higher than
60% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. PFS: 2.95 )
Ranked among companies with meaningful Dividend Yield % only.
PFS' s Dividend Yield % Range Over the Past 10 Years
Min: 1.93  Med: 3.28 Max: 5.4
Current: 2.95
1.93
5.4
Dividend Payout Ratio 0.51
PFS's Dividend Payout Ratio is ranked lower than
61% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. PFS: 0.51 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PFS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.43  Med: 0.49 Max: 0.67
Current: 0.51
0.43
0.67
3-Year Dividend Growth Rate 8.20
PFS's 3-Year Dividend Growth Rate is ranked higher than
56% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PFS: 8.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PFS' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.2 Max: 40.7
Current: 8.2
0
40.7
Forward Dividend Yield % 3.14
PFS's Forward Dividend Yield % is ranked higher than
56% of the 2234 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. PFS: 3.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.51
PFS's 5-Year Yield-on-Cost % is ranked higher than
66% of the 2672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. PFS: 4.51 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PFS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.9  Med: 4.93 Max: 8.12
Current: 4.51
2.9
8.12
3-Year Average Share Buyback Ratio -3.30
PFS's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. PFS: -3.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PFS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3.7  Med: -0.2 Max: 0
Current: -3.3
-3.7
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.97
PFS's Price-to-Tangible-Book is ranked lower than
75% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. PFS: 1.97 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PFS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.06  Med: 1.61 Max: 2.26
Current: 1.97
1.06
2.26
Price-to-Intrinsic-Value-Projected-FCF 0.81
PFS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
51% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. PFS: 0.81 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PFS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.6 Max: 0.91
Current: 0.81
0.33
0.91
Price-to-Median-PS-Value 1.32
PFS's Price-to-Median-PS-Value is ranked lower than
63% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. PFS: 1.32 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PFS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.64  Med: 1.08 Max: 1.86
Current: 1.32
0.64
1.86
Price-to-Graham-Number 1.24
PFS's Price-to-Graham-Number is ranked lower than
68% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. PFS: 1.24 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PFS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.74  Med: 1.11 Max: 2.7
Current: 1.24
0.74
2.7
Earnings Yield (Greenblatt) % 4.04
PFS's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. PFS: 4.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PFS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -8  Med: 4.2 Max: 6.3
Current: 4.04
-8
6.3
Forward Rate of Return (Yacktman) % 11.97
PFS's Forward Rate of Return (Yacktman) % is ranked higher than
53% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. PFS: 11.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PFS' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 4.6  Med: 8.6 Max: 23.3
Current: 11.97
4.6
23.3

More Statistics

Revenue (TTM) (Mil) $317.37
EPS (TTM) $ 1.42
Beta0.71
Short Percentage of Float2.10%
52-Week Range $18.59 - 28.92
Shares Outstanding (Mil)66.68

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.49 1.60
EPS without NRI ($) 1.49 1.60
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for PFS

Headlines

Articles On GuruFocus.com
John Kamin Joins Provident Bank as Executive Vice President, Chief Information Officer May 24 2017 
Provident Financial Services, Inc. Schedules First Quarter Earnings Conference Call Apr 03 2017 
KEELEY Small Cap Value Fund 4th Quarter Commentary Jan 27 2017 
Guru Stocks Raising Dividends: JNJ, LXK, SXT, PFS, CBRL Apr 30 2012 
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 

More From Other Websites
Provident Financial Services, Inc. breached its 50 day moving average in a Bullish Manner : PFS-US :... Jun 12 2017
ETFs with exposure to Provident Financial Services, Inc. : June 9, 2017 Jun 09 2017
Provident Financial Services, Inc. :PFS-US: Earnings Analysis: Q1, 2017 By the Numbers : June 8,... Jun 08 2017
John Kamin Joins Provident Bank as Executive Vice President, Chief Information Officer May 24 2017
Provident Financial Services, Inc. : PFS-US: Dividend Analysis : May 15th, 2017 (record date) : By... May 11 2017
Provident Financial Services, Inc. breached its 50 day moving average in a Bearish Manner : PFS-US :... May 08 2017
Edited Transcript of PFS earnings conference call or presentation 28-Apr-17 2:00pm GMT May 01 2017
Investor Network: Provident Financial Holdings, Inc. to Host Earnings Call Apr 28 2017
Provident Financial posts 1Q profit Apr 28 2017
Provident Financial Services, Inc. Announces First Quarter Earnings and Declares Quarterly Cash... Apr 28 2017
Provident Financial Services, Inc. breached its 50 day moving average in a Bullish Manner : PFS-US :... Apr 25 2017
Provident Financial Services, Inc. Schedules First Quarter Earnings Conference Call Apr 03 2017
Provident Financial Services, Inc. breached its 50 day moving average in a Bearish Manner : PFS-US :... Mar 21 2017
Valerie Murray named President of Beacon Trust Company, Chief Wealth Management Officer of Provident... Mar 02 2017
ETFs with exposure to Provident Financial Services, Inc. : February 2, 2017 Feb 02 2017
Provident Financial Services, Inc. :PFS-US: Earnings Analysis: 2016 By the Numbers : January 31,... Jan 31 2017
Edited Transcript of PFS earnings conference call or presentation 27-Jan-17 3:00pm GMT Jan 27 2017

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