Provident Financial ServicesFRA:PQ3 -0.98%55 Dividend Payout Ratio is 0.39 as of Mar. 2026, which is 25% below its 10-year median of 0.52. GuruFocus rates FRA:PQ3 with a GF Score™ of 55/100 and a GF Value™ of €15.82 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,169 Banks companies, Provident Financial Services ranks worse than 64.59% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Provident Financial Services's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.39.
The historical rank and industry rank for Provident Financial Services's Dividend Payout Ratio or its related term are showing as below:
FRA:PQ3'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.4 Med: 0.52 Max: 0.66
Current: 0.41
During the past 13 years, the highest Dividend Payout Ratio of Provident Financial Services was 0.66. The lowest was 0.40. And the median was 0.52.
FRA:PQ3's Dividend Payout Ratio is ranked worse than 64.59% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs FRA:PQ3: 0.41
During the past 13 years, the highest Trailing Annual Dividend Yield of Provident Financial Services was 8.82%. The lowest was 2.47%. And the median was 4.14%.
During the past 5 years, the average Dividends Per Share Growth Rate was 0.90% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 3.80% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Provident Financial Services was 40.70% per year. The lowest was 0.00% per year. And the median was 6.90% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Provident Financial Services (FRA:PQ3) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Provident Financial Services Dividend Payout Ratio Related Terms
Provident Financial Services Dividend Payout Ratio 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 Dividend Payout Ratio Chart
FRA:PQ3 vs BANC, BOH, SBCF: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Provident Financial Services's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Services's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Services's Dividend Payout Ratio falls into.
Provident Financial Services Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Provident Financial Services's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.39 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Provident Financial Services and its competitors. This is 25% below median its historical median of 0.52. Over the past decade, Provident Financial Services' Dividend Payout Ratio has ranged from 0.40 to 0.66. According to the industry distribution chart, Provident Financial Services ranks #755 out of 1169 companies in the Banks industry, placing it in the top 64.6%.
Is Provident Financial Services' Dividend Payout Ratio too high?
Provident Financial Services' current Dividend Payout Ratio of 0.39 is 25% below median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 0.66. The Banks industry median Dividend Payout Ratio is 0.32. Provident Financial Services' value of 0.39 is 21.9% above this industry median. Based on the distribution chart, Provident Financial Services ranks #755 out of 1169 companies in the Banks industry, which is below the industry midpoint. Overall, Provident Financial Services has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Provident Financial Services' Dividend Payout Ratio compare to BANC and BOH?
According to the Banks industry distribution chart, Provident Financial Services ranks #755 out of 1169 companies for Dividend Payout Ratio. This places Provident Financial Services in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Provident Financial Services' value of 0.39 is 21.9% above this benchmark. Historically, Provident Financial Services' own Dividend Payout Ratio has ranged from 0.40 to 0.66 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Services's current Dividend Payout Ratio of 0.39 is 21.9% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Provident Financial Services and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current Dividend Payout Ratio is 0.39, which is 25% below median its own 10-year median of 0.52. 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 €15.82, compared to a current price of €20.20 — trading 27.7% above its estimated fair value. The current Dividend Payout Ratio is 0.39, which is 25% below median its 10-year median of 0.52 and 21.9% above the Banks industry median of 0.32. Provident Financial Services' overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current Dividend Payout Ratio is 0.39 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 27.7% above its estimated GF Value™ of €15.82.
GuruFocus considers Provident Financial Services to be Modestly Overvalued.
Key valuation signals for FRA:PQ3:
Dividend Payout Ratio: 0.39 (25% below median its 10-year median of 0.52)
GF Value™: €15.82 vs. price of €20.20 (27.7% above fair value)
Industry Position: 21.9% above the Banks median (#755 of 1169)
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.
55GF Score
Get the complete analysis for FRA:PQ3
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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