Provident Financial Services (FRA:PQ3) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:PQ3 Provident Financial Services Inc FRA:PQ3
58 GF Score
Price €20.00
GF Value €15.45
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Provident Financial Services ROC (Joel Greenblatt) %?

Provident Financial Services FRA:PQ3 -0.99% 58 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates FRA:PQ3 with a GF Score™ of 58/100 and a GF Value™ of €15.45 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 46 Banks companies, Provident Financial Services ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:PQ3
58GF Score
Provident Financial Services Inc FRA:PQ3
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Provident Financial Services (FRA:PQ3) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Provident Financial Services and its competitors. According to the industry distribution chart, Provident Financial Services ranks #999999 out of 46 companies in the Banks industry.
Is Provident Financial Services' ROC (Joel Greenblatt) % too high?
Provident Financial Services' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Provident Financial Services ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' ROC (Joel Greenblatt) % compare to BANC and BOH?
According to the Banks industry distribution chart, Provident Financial Services ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Provident Financial Services in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Provident Financial Services and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current ROC (Joel Greenblatt) % is %. 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 €15.45, compared to a current price of €20.00 — trading 29.4% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current ROC (Joel Greenblatt) % is % 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 €20.00 is trading 29.4% above its estimated GF Value™ of €15.45. GuruFocus considers Provident Financial Services to be Modestly Overvalued.

Key valuation signals for FRA:PQ3:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €15.45 vs. price of €20.00 (29.4% above fair value)
  • GF Score™: 58/100 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.
58GF Score

Get the complete analysis for FRA:PQ3

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.00
Price
€15.45
GF Value