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Provident Financial ServicesPFS -0.39%58 3-Year FCF Growth Rate is 8.90% as of Jun. 2026, which is 947% above its 10-year median of 0.85. GuruFocus rates PFS with a GF Scoreâ„¢ of 58/100 and a GF Valueâ„¢ of $19.62 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,043 Banks companies, Provident Financial Services ranks better than 63.37% on this metric.
During the past 12 months, Provident Financial Services's average Free Cash Flow per Share Growth Rate was -39.50% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 8.90% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 21.10% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 6.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Provident Financial Services was 86.10% per year. The lowest was -40.80% per year. And the median was 0.85% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Provident Financial Services 3-Year FCF Growth Rate Related Terms
PFS vs BOH, FHB, BANC: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Provident Financial Services's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Provident Financial Services 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Services's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Provident Financial Services's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
Provident Financial Services (PFS) has a 3-Year FCF Growth Rate of 8.90% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Provident Financial Services and its competitors. This is 947% above median its historical median of 0.85. According to the industry distribution chart, Provident Financial Services ranks #382 out of 1043 companies in the Banks industry, placing it in the top 36.6%.
Is Provident Financial Services' 3-Year FCF Growth Rate too high?
Provident Financial Services' current 3-Year FCF Growth Rate of 8.90% is 947% above median its 10-year median of 0.85. The Banks industry median 3-Year FCF Growth Rate is 0.40. Provident Financial Services' value of 8.90% is 2125% above this industry median. Based on the distribution chart, Provident Financial Services ranks #382 out of 1043 companies in the Banks industry, which is above the industry midpoint. Overall, Provident Financial Services has a GF Scoreâ„¢ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Services' 3-Year FCF Growth Rate compare to BOH and FHB?
According to the Banks industry distribution chart, Provident Financial Services ranks #382 out of 1043 companies for 3-Year FCF Growth Rate. This puts Provident Financial Services in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.40. Provident Financial Services' value of 8.90% is 2125% above this benchmark. While the company's 10-year median is 0.85 vs. the industry median of 0.40, Provident Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Services's current 3-Year FCF Growth Rate of 8.90% is 2125% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Provident Financial Services and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current 3-Year FCF Growth Rate is 8.90%, which is 947% above median its own 10-year median of 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Provident Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Provident Financial Services (PFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $19.62, compared to a current price of $23.02 — trading 17.3% above its estimated fair value. The current 3-Year FCF Growth Rate is 8.90%, which is 947% above median its 10-year median of 0.85 and 2125% above the Banks industry median of 0.40. Provident Financial Services' overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Provident Financial Services (PFS), the current 3-Year FCF Growth Rate is 8.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Provident Financial Services (PFS) Overvalued in 2026?
Based on GuruFocus' analysis, Provident Financial Services stock appears to be overvalued.
The current stock price of $23.02 is trading 17.3% above its estimated GF Value™ of $19.62.
GuruFocus considers Provident Financial Services to be Modestly Overvalued.
Key valuation signals for PFS:
3-Year FCF Growth Rate: 8.90% (947% above median its 10-year median of 0.85)
GF Value™: $19.62 vs. price of $23.02 (17.3% above fair value)
Industry Position: 2125% above the Banks median (#382 of 1043)
No single metric tells the full story. See the PFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Provident Financial Services Inc is the holding company for The Provident Bank, a community-oriented bank. The company's operations are solely in the financial services industry and include providing traditional banking and other financial services to its customers. The company operates in the geographical regions of northern and central New Jersey, Queens and Nassau Counties in New York and eastern Pennsylvania. The company has a single reporting segment for financial reporting purposes. The majority of the revenue-generating activities that are components of non-interest income. These revenue streams can generally be classified into three broad categories: wealth management revenue, insurance agency income, and banking service charges and other fees.
58GF Score
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