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


FRA:PQ3 Provident Financial Services Inc FRA:PQ3
54 GF Score
Price €20.20
GF Value €15.93
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Provident Financial Services ROC %?

Provident Financial Services FRA:PQ3 +0.99% 54 ROC % is % as of Mar. 2026. GuruFocus rates FRA:PQ3 with a GF Score™ of 54/100 and a GF Value™ of €15.93 (Modestly Overvalued). The stock has 8 warning signs investors should review.

ROC %does not apply to banks.

FRA:PQ3
54GF Score
Provident Financial Services Inc FRA:PQ3
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Provident Financial Services (FRA:PQ3) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Provident Financial Services and its competitors.
Is Provident Financial Services' ROC % too high?
Provident Financial Services' current ROC % is %. 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' ROC % compare to SBCF and BANC?
Provident Financial Services' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Provident Financial Services and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Provident Financial Services's current ROC % 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 €15.93, compared to a current price of €20.20 — trading 26.8% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current ROC % 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 €20.20 is trading 26.8% above its estimated GF Value™ of €15.93. GuruFocus considers Provident Financial Services to be Modestly Overvalued.

Key valuation signals for FRA:PQ3:

  • ROC %: %
  • GF Value™: €15.93 vs. price of €20.20 (26.8% 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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.20
Price
€15.93
GF Value