Provident Financial Services (FRA:PQ3) ROE % Adjusted to Book Value: 12.06% (As of Mar. 2026)


FRA:PQ3 Provident Financial Services Inc FRA:PQ3
55 GF Score
Price €20.20
GF Value €15.82
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Provident Financial Services ROE % Adjusted to Book Value?

Provident Financial Services FRA:PQ3 -0.98% 55 ROE % Adjusted to Book Value is 12.06% as of Mar. 2026. 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.

Provident Financial Services's ROE % for the quarter that ended in Mar. 2026 was 11.22%. Provident Financial Services's PB Ratio for the quarter that ended in Mar. 2026 was 0.93. Provident Financial Services's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 12.06%.


Provident Financial Services ROE % Adjusted to Book Value Related Terms


Provident Financial Services ROE % Adjusted to Book Value Historical Data

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The historical data trend for Provident Financial Services's ROE % Adjusted to Book Value can be seen below:

* 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 ROE % Adjusted to Book Value Chart

Provident Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.54 11.13 9.63 5.82 11.14

Provident Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.54 12.22 11.42 13.11 12.06

FRA:PQ3 vs BANC, BOH, SBCF: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Provident Financial Services's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Provident Financial Services's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Provident Financial Services's ROE % Adjusted to Book Value falls into.


FRA:PQ3
55GF Score
Provident Financial Services Inc FRA:PQ3
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Provident Financial Services ROE % Adjusted to Book Value Calculation

Provident Financial Services's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.14% / 0.91
=11.14%

Provident Financial Services's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.22% / 0.93
=12.06%

* 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.

What does a ROE % Adjusted to Book Value of 12.06% mean?
Provident Financial Services (FRA:PQ3) has a ROE % Adjusted to Book Value of 12.06% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Provident Financial Services and its competitors.
Is Provident Financial Services' ROE % Adjusted to Book Value too high?
Provident Financial Services' current ROE % Adjusted to Book Value is 12.06%. 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' ROE % Adjusted to Book Value compare to BANC and BOH?
Provident Financial Services' ROE % Adjusted to Book Value of 12.06% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Provident Financial Services and its competitors. Provident Financial Services's current ROE % Adjusted to Book Value is 12.06%. 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 ROE % Adjusted to Book Value is 12.06%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Provident Financial Services (FRA:PQ3), the current ROE % Adjusted to Book Value is 12.06% 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:

  • ROE % Adjusted to Book Value: 12.06%
  • GF Value™: €15.82 vs. price of €20.20 (27.7% above fair value)
  • GF Score™: 55/100 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.
55GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.20
Price
€15.82
GF Value