PFS
Provident Financial Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: PFS
- PE Ratio
The PE ratio for Provident Financial Services stock stands at 9.17 as of Jun 3, 2026. This is calculated based on the current EPS of $2.35 and the stock price of $21.54 per share. The current price-to-earnings ratio is nearly the same as the last four quarters average.
PFS PE ratio history
Over the last ten years, the average PE ratio of Provident Financial Services has been 12.78. The current 9.17 PE ratio is 28% below the historical average. Over the past ten years, PFS's PE ratio was at its highest in the Dec 2016 quarter at 20.51, with a price of $28.3 and an EPS of $1.38. The Jun 2023 quarter recorded the bottom point at 7.39, with a price of $16.34 and an EPS of $2.21.
Provident Financial Services PE ratio by year
Maximum annual increase: 71.47% in 2024
Maximum annual decrease: -50.7% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 8.86 | -50.7% | $19.75 | $2.23 |
| 2024 | 17.97 | 71.47% | $18.87 | $1.05 |
| 2023 | 10.48 | 15.29% | $18.03 | $1.72 |
| 2022 | 9.09 | -17.44% | $21.36 | $2.35 |
| 2021 | 11.01 | -14.78% | $24.22 | $2.2 |
| 2020 | 12.92 | -8.82% | $17.96 | $1.39 |
| 2019 | 14.17 | 6.86% | $24.65 | $1.74 |
| 2018 | 13.26 | -28.21% | $24.13 | $1.82 |
| 2017 | 18.47 | -9.95% | $26.97 | $1.46 |
| 2016 | 20.51 | 35.38% | $28.3 | $1.38 |
| 2015 | 15.15 | 2.36% | $20.15 | $1.33 |
| 2014 | 14.8 | -5.79% | $18.06 | $1.22 |
| 2013 | 15.71 | 24.29% | $19.32 | $1.23 |
| 2012 | 12.64 | -4.68% | $14.92 | $1.18 |
| 2011 | 13.26 | -22.86% | $13.39 | $1.01 |
Provident Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 9 | 1.58% | $21.16 | $2.35 |
| Dec 2025 | 8.86 | -8.57% | $19.75 | $2.23 |
| Sep 2025 | 9.69 | -0.51% | $19.28 | $1.99 |
| Jun 2025 | 9.74 | -35.33% | $17.53 | $1.8 |
| Mar 2025 | 15.06 | -16.19% | $17.17 | $1.14 |
| Dec 2024 | 17.97 | 1.64% | $18.87 | $1.05 |
| Sep 2024 | 17.68 | 31.84% | $18.56 | $1.05 |
| Jun 2024 | 13.41 | 48.18% | $14.35 | $1.07 |
| Mar 2024 | 9.05 | -13.65% | $14.57 | $1.61 |
| Dec 2023 | 10.48 | 37.71% | $18.03 | $1.72 |
| Sep 2023 | 7.61 | 2.98% | $15.29 | $2.01 |
| Jun 2023 | 7.39 | -10.96% | $16.34 | $2.21 |
| Mar 2023 | 8.3 | -8.69% | $19.18 | $2.31 |
| Dec 2022 | 9.09 | 1.68% | $21.36 | $2.35 |
| Sep 2022 | 8.94 | -16.06% | $19.5 | $2.18 |
PFS Price vs fair value
PFS average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, PFS's PE ratio is below the 3, 5 and 10-year averages.
PE comparison
With a P/E of 9.17, PFS is below the Financial Services sector and the industry average. Compared to its Financial Services sector average of 12.1, Provident Financial Services's P/E is 24% lower.
PFS PE vs peers
PFS's PE ratio is lower than its peer stocks OCFC and KRNY.
| Stock name | PE ratio | Market cap |
|---|---|---|
| PFS Provident Financial Services Inc | 9.51 | $2.91B |
| KRNY Kearny Financial Corp | 14.44 | $532.8M |
| OCFC Oceanfirst Financial Corp | 15.22 | $1.03B |
Frequently asked questions
What is Provident Financial Services's PE ratio?
As of Jun 3, 2026, PFS stock has a price to earnings ratio of 9.17.
What is the 3-year average PE ratio for Provident Financial Services (PFS)?
The 3-year average PE ratio for PFS stock is 11.33.
What is the 5-year average PE ratio for Provident Financial Services (PFS)?
The 5-year average PE ratio for PFS stock is 10.8.
What is the highest PE ratio for PFS?
In the last ten years, the Dec 2016 quarter recorded the highest quarterly PE ratio at 20.51.
How does the current PE ratio for PFS compare to its historical average?
The current price to earnings ratio of PFS is 28% lower than the 10-year historical average.
Why is Provident Financial Services's PE ratio so low?
PFS's PE ratio of 9.17 is considered low because the company's stock price is trading at a lower multiple of earnings.
How is PFS's PE ratio calculated (Provident Financial Services PE ratio formula)?
The PE ratio is calculated by dividing the most recent price of a stock by its trailing twelve months EPS. As of today (Jun 3, 2026), Provident Financial Services's stock price is $21.54. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.35. Therefore, Provident Financial Services's P/E ratio for today is 9.17. PE RATIO(9.17) = STOCK PRICE($21.54) / TTM EPS($2.35)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.