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Provident Financial ServicesPFS +0.52%58 EV-to-OCF is 15.56 as of Aug. 13, 2026, which is 5% below its 10-year median of 16.46. GuruFocus rates PFS with a GF Score™ of 58/100 and a GF Value™ of $20.12 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,497 Banks companies, Provident Financial Services ranks worse than 83.37% on this metric.
The historical rank and industry rank for Provident Financial Services's EV-to-OCF or its related term are showing as below:
PFS'
s EV-to-OCF Range Over the Past 10 Years
Min: 7.5 Med: 16.46 Max: 30.5
Current: 15.56
During the past 13 years, the highest EV-to-OCF of Provident Financial Services was 30.50. The lowest was 7.50. And the median was 16.46.
PFS's EV-to-OCF is ranked worse than 83.37% of 1497
companies
in the Banks industry
Industry Median: 3.98
vs PFS: 15.56
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Provident Financial Services's PE Ratio (TTM) for today is calculated as:
Provident Financial Services's share price for today is $25.01.
Provident Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.400.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Provident Financial Services EV-to-OCF Related Terms
Provident Financial Services EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Provident Financial Services's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Services's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Provident Financial Services's EV-to-OCF falls into.
Provident Financial Services's current Enterprise Value is $5,765.2 Mil.
Provident Financial Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $370.5 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Provident Financial Services (PFS) has a EV-to-OCF of 15.56 as of Aug. 13, 2026. This is near median its historical median of 16.46. Over the past decade, Provident Financial Services' EV-to-OCF has ranged from 7.50 to 30.50. According to the industry distribution chart, Provident Financial Services ranks #1248 out of 1497 companies in the Banks industry, placing it in the top 83.4%.
Is Provident Financial Services' EV-to-OCF too high?
Provident Financial Services' current EV-to-OCF of 15.56 is near median its 10-year median of 16.46. Over the past 10 years, this metric has ranged from a low of 7.50 to a high of 30.50. The Banks industry median EV-to-OCF is 3.98. Provident Financial Services' value of 15.56 is 291% above this industry median. Based on the distribution chart, Provident Financial Services ranks #1248 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Provident Financial Services has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Services' EV-to-OCF compare to SBCF and FBK?
According to the Banks industry distribution chart, Provident Financial Services ranks #1248 out of 1497 companies for EV-to-OCF. This places Provident Financial Services in the lower half of its industry. The industry median EV-to-OCF is 3.98. Provident Financial Services' value of 15.56 is 291% above this benchmark. Historically, Provident Financial Services' own EV-to-OCF has ranged from 7.50 to 30.50 over the past decade. While the company's 10-year median is 16.46 vs. the industry median of 3.98, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Services's current EV-to-OCF of 15.56 is 291% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current EV-to-OCF is 15.56, which is near median its own 10-year median of 16.46. 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 $20.12, compared to a current price of $25.01 — trading 24.3% above its estimated fair value. The current EV-to-OCF is 15.56, which is near median its 10-year median of 16.46 and 291% above the Banks industry median of 3.98. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Provident Financial Services (PFS), the current EV-to-OCF is 15.56 as of Aug. 13, 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 $25.01 is trading 24.3% above its estimated GF Value™ of $20.12.
GuruFocus considers Provident Financial Services to be Modestly Overvalued.
Key valuation signals for PFS:
EV-to-OCF: 15.56 (near median its 10-year median of 16.46)
GF Value™: $20.12 vs. price of $25.01 (24.3% above fair value)
Industry Position: 291% above the Banks median (#1248 of 1497)
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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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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