Provident Financial Services (FRA:PQ3) Moat Score: 3/10 (As of Jul. 08, 2026)


FRA:PQ3 Provident Financial Services Inc FRA:PQ3
54 GF Score
Price €19.90
GF Value €15.57
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Provident Financial Services Moat Score?

Provident Financial Services FRA:PQ3 -0.50% 54 Moat Score is 3 as of Jul. 08, 2026. GuruFocus rates FRA:PQ3 with a GF Score™ of 54/100 and a GF Value™ of €15.57 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,611 Banks companies, Provident Financial Services ranks better than 74.55% on this metric.

Provident Financial Services has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Provident Financial Services has No Moat: Provident Financial Services Inc operates in a competitive banking sector with limited differentiation. It lacks significant market leadership, customer loyalty, or proprietary technology. The company faces competition from larger banks and does not possess strong regulatory barriers or pricing power that would provide a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Provident Financial Services might have No Moat - Very weak/transient advantages.

Provident Financial Services  (FRA:PQ3) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Provident Financial Services Moat Score Related Terms

FRA:PQ3 vs BANC, BOH, SBCF: Moat Score Comparison

For the Banks - Regional subindustry, Provident Financial Services's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Provident Financial Services's Moat Score distribution charts can be found below:

* The bar in red indicates where Provident Financial Services's Moat Score falls into.


FRA:PQ3
54GF Score
Provident Financial Services Inc FRA:PQ3
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Provident Financial Services (FRA:PQ3) has a Moat Score of 3 as of Jul. 08, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Provident Financial Services ranks #410 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Provident Financial Services' Moat Score too high?
Provident Financial Services' current Moat Score is 3. Based on the distribution chart, Provident Financial Services ranks #410 out of 1611 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' Moat Score compare to BANC and BOH?
According to the Banks industry distribution chart, Provident Financial Services ranks #410 out of 1611 companies for Moat Score. This puts Provident Financial Services in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Provident Financial Services's current Moat Score is 3. 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 €15.57, compared to a current price of €19.90 — trading 27.8% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current Moat Score is 3 as of Jul. 08, 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 €19.90 is trading 27.8% above its estimated GF Value™ of €15.57. GuruFocus considers Provident Financial Services to be Modestly Overvalued.

Key valuation signals for FRA:PQ3:

  • Moat Score: 3
  • GF Value™: €15.57 vs. price of €19.90 (27.8% above fair value)
  • GF Score™: 54/100 with 8 warning signs

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 Business Description

Other Exchanges PFS:USA
Address 239 Washington Street, Jersey, NJ, USA, 07302
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€19.90
Price
€15.57
GF Value