The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Provident Financial Services's share price is €20.00.
Provident Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €5.84. Hence, Provident Financial Services's PS Ratio for today is 3.43.
Warning Sign:
Provident Financial Services Inc stock PS Ratio (=3.46) is close to 3-year high of 3.57.
The historical rank and industry rank for Provident Financial Services's PS Ratio or its related term are showing as below:
FRA:PQ3'
s PS Ratio Range Over the Past 10 Years
Min: 1.87 Med: 3.72 Max: 5.78
Current: 3.46
During the past 13 years, Provident Financial Services's highest PS Ratio was 5.78. The lowest was 1.87. And the median was 3.72.
FRA:PQ3's PS Ratio is ranked worse than 60.86% of 1520
companies
in the Banks industry
Industry Median: 3.025
vs FRA:PQ3: 3.46
During the past 13 years, Provident Financial Services's highest 3-Year average Revenue per Share Growth Rate was 101.80% per year. The lowest was -0.40% per year. And the median was 4.45% per year.
Back to Basics: PS Ratio
Provident Financial Services (FRA:PQ3) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Provident Financial Services PS Ratio Related Terms
Provident Financial Services PS 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.
For the Banks - Regional subindustry, Provident Financial Services's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Provident Financial Services's PS Ratio distribution charts can be found below:
* The bar in red indicates where Provident Financial Services's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Provident Financial Services's Share Price of today is €20.00. 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 €5.84.
* 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.
It can also be calculated from the numbers for the whole company:
Provident Financial Services (FRA:PQ3) has a PS Ratio of 3.43 as of Jul. 13, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Provident Financial Services and its competitors. This is near median its historical median of 3.72. Over the past decade, Provident Financial Services' PS Ratio has ranged from 1.87 to 5.78. According to the industry distribution chart, Provident Financial Services ranks #925 out of 1520 companies in the Banks industry, placing it in the top 60.9%.
Is Provident Financial Services' PS Ratio too high?
Provident Financial Services' current PS Ratio of 3.43 is near median its 10-year median of 3.72. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 5.78. The Banks industry median PS Ratio is 3.03. Provident Financial Services' value of 3.43 is 13.4% above this industry median. Based on the distribution chart, Provident Financial Services ranks #925 out of 1520 companies in the Banks industry, which is below 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' PS Ratio compare to BANC and BOH?
According to the Banks industry distribution chart, Provident Financial Services ranks #925 out of 1520 companies for PS Ratio. This places Provident Financial Services in the lower half of its industry. The industry median PS Ratio is 3.03. Provident Financial Services' value of 3.43 is 13.4% above this benchmark. Historically, Provident Financial Services' own PS Ratio has ranged from 1.87 to 5.78 over the past decade. While the company's 10-year median is 3.72 vs. the industry median of 3.03, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.03, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Provident Financial Services's current PS Ratio of 3.43 is 13.4% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Provident Financial Services and its competitors. For the Banks industry, the median PS Ratio is 3.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current PS Ratio is 3.43, which is near median its own 10-year median of 3.72. 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 €15.44, compared to a current price of €20.00 — trading 29.5% above its estimated fair value. The current PS Ratio is 3.43, which is near median its 10-year median of 3.72 and 13.4% above the Banks industry median of 3.03. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current PS Ratio is 3.43 as of Jul. 13, 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 €20.00 is trading 29.5% above its estimated GF Value™ of €15.44.
GuruFocus considers Provident Financial Services to be Modestly Overvalued.
Key valuation signals for FRA:PQ3:
PS Ratio: 3.43 (near median its 10-year median of 3.72)
GF Value™: €15.44 vs. price of €20.00 (29.5% above fair value)
Industry Position: 13.4% above the Banks median (#925 of 1520)
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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