Provident Financial ServicesFRA:PQ3 -0.98%58 Median PS Value is €22.11 as of Jun. 29, 2026, which is 100% below its 10-year median of 0.93. GuruFocus rates FRA:PQ3 with a GF Score™ of 58/100 and a GF Value™ of €15.77 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,043 Banks companies, Provident Financial Services ranks better than 73.63% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Provident Financial Services's Median PS Value or its related term are showing as below:
FRA:PQ3'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.55 Med: 0.93 Max: 1.54
Current: 0.91
During the past 13 years, the highest Price to Median PS Value of Provident Financial Services was 1.54. The lowest was 0.55. And the median was 0.93.
FRA:PQ3's Price-to-Median-PS-Value is ranked better than 73.63% of 1043
companies
in the Banks industry
Industry Median: 1.11
vs FRA:PQ3: 0.91
Provident Financial Services (FRA:PQ3) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Provident Financial Services's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
20.20
/
22.11
=
0.91
* 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 Median PS Value Related Terms
Provident Financial Services Median PS Value 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.
Provident Financial Services Median PS Value Chart
FRA:PQ3 vs BANC, BOH, SBCF: Median PS Value Comparison
For the Banks - Regional subindustry, Provident Financial Services's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Services's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Provident Financial Services's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 3.7873.
Provident Financial Services's Revenue per Share 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 €5.838.
* 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 Median PS Value of €22.11 as of Jun. 29, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Provident Financial Services and its competitors. This is 2277% above median its historical median of 0.93. Over the past decade, Provident Financial Services' Median PS Value has ranged from 0.55 to 1.54. According to the industry distribution chart, Provident Financial Services ranks #275 out of 1043 companies in the Banks industry, placing it in the top 26.4%.
Is Provident Financial Services' Median PS Value too high?
Provident Financial Services' current Median PS Value of €22.11 is 2277% above median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 1.54. Based on the distribution chart, Provident Financial Services ranks #275 out of 1043 companies in the Banks industry, which is above the industry midpoint. 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' Median PS Value compare to BANC and BOH?
According to the Banks industry distribution chart, Provident Financial Services ranks #275 out of 1043 companies for Median PS Value. This puts Provident Financial Services in the upper half of its industry. The industry median Median PS Value is 1.11. Historically, Provident Financial Services' own Median PS Value has ranged from 0.55 to 1.54 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Provident Financial Services and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current Median PS Value is €22.11, which is 2277% above median its own 10-year median of 0.93. 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 Median PS Value is €22.11, which is 2277% above median its 10-year median of 0.93. Provident Financial Services' overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current Median PS Value is €22.11 as of Jun. 29, 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:
Median PS Value: €22.11 (2277% above median its 10-year median of 0.93)
GF Value™: €15.77 vs. price of €20.20 (28.1% above fair value)
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.
58GF Score
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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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