Unlock Premium for Just $9.99/Month – Special Launch Offer, Limited Time Only Get Premium

PFS Provident Financial Services Inc

Price (delayed)

$17.81

Market cap

$2.33B

P/E Ratio

15.62

Dividend/share

$0.96

EPS

$1.14

Enterprise value

$4.83B

Provident Bank, a community-oriented financial institution offering 'Commitment you can count on' since 1839, is the wholly owned subsidiary of Provident Financial Services, Inc., which reported assets of $12.92 billion ...

Highlights
Provident Financial Services's revenue has surged by 58% YoY and by 15% QoQ
The gross profit has soared by 58% YoY and by 15% from the previous quarter
PFS's P/E is 38% above its 5-year quarterly average of 11.3 but 2.4% below its last 4 quarters average of 16.0
Provident Financial Services's EPS has decreased by 29% YoY but it has increased by 9% QoQ
The debt is up by 32% year-on-year and by 13% since the previous quarter

Key stats

What are the main financial stats of PFS
Market
Shares outstanding
130.66M
Market cap
$2.33B
Enterprise value
$4.83B
Valuations
Price to earnings (P/E)
15.62
Price to book (P/B)
0.87
Price to sales (P/S)
3.31
EV/EBIT
24.34
EV/EBITDA
18.28
EV/Sales
6.9
Earnings
Revenue
$700.49M
Gross profit
$700.49M
Operating income
$198.5M
Net income
$147.47M
EBIT
$198.5M
EBITDA
$264.37M
Free cash flow
$473.92M
Per share
EPS
$1.14
EPS diluted
$1.14
Free cash flow per share
$3.64
Book value per share
$20.38
Revenue per share
$5.37
TBVPS
$179.67
Balance sheet
Total assets
$24.22B
Total liabilities
$21.57B
Debt
$2.74B
Equity
$2.66B
Working capital
N/A
Liquidity
Debt to equity
1.03
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.48
Margins
EBITDA margin
37.7%
Gross margin
100%
Net margin
21.1%
Operating margin
28.3%
Efficiency
Return on assets
0.6%
Return on equity
5.7%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
28.3%
Dividend
Dividend yield
5.39%
DPS
$0.96
Payout ratio
84.2%

PFS stock price

How has the Provident Financial Services stock price performed over time
Intraday
4.09%
1 week
4.76%
1 month
21.24%
1 year
12.3%
YTD
-5.62%
QTD
3.73%

Financial performance

How have Provident Financial Services's revenue and profit performed over time
Revenue
$700.49M
Gross profit
$700.49M
Operating income
$198.5M
Net income
$147.47M
Gross margin
100%
Net margin
21.1%
Provident Financial Services's revenue has surged by 58% YoY and by 15% QoQ
The gross profit has soared by 58% YoY and by 15% from the previous quarter
The operating income has grown by 33% from the previous quarter and by 21% YoY
Provident Financial Services's net income has increased by 28% from the previous quarter and by 23% YoY

Price vs fundamentals

How does PFS's price correlate with its fundamentals

Growth

What is Provident Financial Services's growth rate over time

Valuation

What is Provident Financial Services stock price valuation
P/E
15.62
P/B
0.87
P/S
3.31
EV/EBIT
24.34
EV/EBITDA
18.28
EV/Sales
6.9
PFS's P/E is 38% above its 5-year quarterly average of 11.3 but 2.4% below its last 4 quarters average of 16.0
Provident Financial Services's EPS has decreased by 29% YoY but it has increased by 9% QoQ
The company's equity has surged by 57% YoY and by 2.2% QoQ
The P/B is 9% above the last 4 quarters average of 0.8 but 3.3% below the 5-year quarterly average of 0.9
Provident Financial Services's revenue has surged by 58% YoY and by 15% QoQ
The P/S is 11% below the last 4 quarters average of 3.7

Efficiency

How efficient is Provident Financial Services business performance
The ROIC has grown by 33% from the previous quarter but it has contracted by 27% YoY
The ROA has contracted by 25% YoY but it has grown by 20% from the previous quarter
Provident Financial Services's return on sales has decreased by 24% YoY but it has increased by 15% QoQ
Provident Financial Services's ROE has decreased by 21% YoY but it has increased by 16% from the previous quarter

Dividends

What is PFS's dividend history
DPS
$0.96
Dividend yield
5.39%
Payout ratio
84.2%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Provident Financial Services financials performed over time
The company's total assets is 12% higher than its total liabilities
The total liabilities has surged by 73% year-on-year
The company's total assets has surged by 71% YoY
The debt is 3% greater than the equity
The company's equity has surged by 57% YoY and by 2.2% QoQ
The debt is up by 32% year-on-year and by 13% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.