* 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.
FRA:PQ3 vs SBCF, BANC, NIC: FCF Margin % Comparison
For the Banks - Regional subindustry, Provident Financial Services's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Services's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Provident Financial Services's FCF Margin % falls into.
* 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 (FRA:PQ3) has a FCF Margin % of 35.95% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Provident Financial Services and its competitors. This is near median its historical median of 37.14. Over the past decade, Provident Financial Services' FCF Margin % has ranged from 23.50 to 61.19. According to the industry distribution chart, Provident Financial Services ranks #392 out of 1505 companies in the Banks industry, placing it in the top 26%.
Is Provident Financial Services' FCF Margin % too high?
Provident Financial Services' current FCF Margin % of 35.95% is near median its 10-year median of 37.14. Over the past 10 years, this metric has ranged from a low of 23.50 to a high of 61.19. The Banks industry median FCF Margin % is 26.55. Provident Financial Services' value of 35.95% is 35.4% above this industry median. Based on the distribution chart, Provident Financial Services ranks #392 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Provident Financial Services has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Services' FCF Margin % compare to SBCF and BANC?
According to the Banks industry distribution chart, Provident Financial Services ranks #392 out of 1505 companies for FCF Margin %. This puts Provident Financial Services in the upper half of its industry. The industry median FCF Margin % is 26.55. Provident Financial Services' value of 35.95% is 35.4% above this benchmark. Historically, Provident Financial Services' own FCF Margin % has ranged from 23.50 to 61.19 over the past decade. While the company's 10-year median is 37.14 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Services's current FCF Margin % of 35.95% is 35.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Provident Financial Services and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current FCF Margin % is 35.95%, which is near median its own 10-year median of 37.14. 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 (FRA:PQ3) is currently considered Modestly Overvalued. The stock's GF Value™ is €15.77, compared to a current price of €20.20 — trading 28.1% above its estimated fair value. The current FCF Margin % is 35.95%, which is near median its 10-year median of 37.14 and 35.4% above the Banks industry median of 26.55. Provident Financial Services' overall GF Score™ is 54/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current FCF Margin % is 35.95% as of Mar. 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 (FRA:PQ3) Overvalued in 2026?
Based on GuruFocus' analysis, Provident Financial Services stock appears to be overvalued.
The current stock price of €20.20 is trading 28.1% above its estimated GF Value™ of €15.77.
GuruFocus considers Provident Financial Services to be Modestly Overvalued.
Key valuation signals for FRA:PQ3:
FCF Margin %: 35.95% (near median its 10-year median of 37.14)
GF Value™: €15.77 vs. price of €20.20 (28.1% above fair value)
Industry Position: 35.4% above the Banks median (#392 of 1505)
No single metric tells the full story. See the FRA:PQ3 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.
54GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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