Provident Financial ServicesPFS +0.68%57 EV-to-FCF is 13.33 as of Jul. 01, 2026, which is 19% below its 10-year median of 16.38. GuruFocus rates PFS with a GF Score™ of 57/100 and a GF Value™ of $18.45 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,194 Banks companies, Provident Financial Services ranks worse than 72.53% on this metric.
The historical rank and industry rank for Provident Financial Services's EV-to-FCF or its related term are showing as below:
PFS'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.56 Med: 16.38 Max: 34.83
Current: 13.33
During the past 13 years, the highest EV-to-FCF of Provident Financial Services was 34.83. The lowest was 7.56. And the median was 16.38.
PFS's EV-to-FCF is ranked worse than 72.53% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs PFS: 13.33
EV-to-FCF 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-FCF 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 $23.64.
Provident Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.350.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Provident Financial Services EV-to-FCF Related Terms
Provident Financial Services EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Provident Financial Services's EV-to-FCF falls into.
Provident Financial Services's current Enterprise Value is $5,654.2 Mil.
Provident Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $424.3 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-FCF of 13.33 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Provident Financial Services and its competitors. This is 19% below median its historical median of 16.38. Over the past decade, Provident Financial Services' EV-to-FCF has ranged from 7.56 to 34.83. According to the industry distribution chart, Provident Financial Services ranks #866 out of 1194 companies in the Banks industry, placing it in the top 72.5%.
Is Provident Financial Services' EV-to-FCF too high?
Provident Financial Services' current EV-to-FCF of 13.33 is 19% below median its 10-year median of 16.38. Over the past 10 years, this metric has ranged from a low of 7.56 to a high of 34.83. The Banks industry median EV-to-FCF is 6.57. Provident Financial Services' value of 13.33 is 103% above this industry median. Based on the distribution chart, Provident Financial Services ranks #866 out of 1194 companies in the Banks industry, which is below the industry midpoint. Overall, Provident Financial Services has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Services' EV-to-FCF compare to BANC and BOH?
According to the Banks industry distribution chart, Provident Financial Services ranks #866 out of 1194 companies for EV-to-FCF. This places Provident Financial Services in the lower half of its industry. The industry median EV-to-FCF is 6.57. Provident Financial Services' value of 13.33 is 103% above this benchmark. Historically, Provident Financial Services' own EV-to-FCF has ranged from 7.56 to 34.83 over the past decade. While the company's 10-year median is 16.38 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Services's current EV-to-FCF of 13.33 is 103% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Provident Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current EV-to-FCF is 13.33, which is 19% below median its own 10-year median of 16.38. 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 $18.45, compared to a current price of $23.64 — trading 28.1% above its estimated fair value. The current EV-to-FCF is 13.33, which is 19% below median its 10-year median of 16.38 and 103% above the Banks industry median of 6.57. Provident Financial Services' overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Provident Financial Services (PFS), the current EV-to-FCF is 13.33 as of Jul. 01, 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 $23.64 is trading 28.1% above its estimated GF Value™ of $18.45.
GuruFocus considers Provident Financial Services to be Modestly Overvalued.
Key valuation signals for PFS:
EV-to-FCF: 13.33 (19% below median its 10-year median of 16.38)
GF Value™: $18.45 vs. price of $23.64 (28.1% above fair value)
Industry Position: 103% above the Banks median (#866 of 1194)
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.
57GF Score
Get the complete analysis for PFS
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PFS has been successfully added to your 
