PFS Provident Financial Services Inc

Price (delayed)

$22.975

Market cap

$1.73B

P/E Ratio

10.54

Dividend/share

$0.96

EPS

$2.18

Enterprise value

$2.62B

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 increased by 3.4% QoQ
The gross profit has grown by 3.4% from the previous quarter
PFS's P/E is 14% below its 5-year quarterly average of 12.4 but 2% above its last 4 quarters average of 10.4
Provident Financial Services's net income has decreased by 4.2% YoY but it has increased by 3.9% from the previous quarter
The debt has soared by 67% year-on-year and by 6% since the previous quarter
The company's equity fell by 8% YoY and by 2.2% QoQ

Key stats

What are the main financial stats of PFS
Market
Shares outstanding
75.28M
Market cap
$1.73B
Enterprise value
$2.62B
Valuations
Price to earnings (P/E)
10.54
Price to book (P/B)
1.12
Price to sales (P/S)
3.54
EV/EBIT
11.64
EV/EBITDA
10.54
EV/Sales
5.43
Earnings
Revenue
$482.16M
EBIT
$224.92M
EBITDA
$248.41M
Free cash flow
$178.96M
Per share
EPS
$2.18
Free cash flow per share
$2.41
Book value per share
$20.6
Revenue per share
$6.49
TBVPS
$176.89
Balance sheet
Total assets
$13.6B
Total liabilities
$12.05B
Debt
$1.07B
Equity
$1.55B
Working capital
N/A
Liquidity
Debt to equity
0.69
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.58
Margins
EBITDA margin
51.5%
Gross margin
100%
Net margin
34%
Operating margin
46.6%
Efficiency
Return on assets
1.2%
Return on equity
10.2%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
46.6%
Dividend
Dividend yield
4.18%
DPS
$0.96
Payout ratio
44%

PFS stock price

How has the Provident Financial Services stock price performed over time
Intraday
-0.63%
1 week
2.02%
1 month
7.56%
1 year
-4.15%
YTD
7.56%
QTD
7.56%

Financial performance

How have Provident Financial Services's revenue and profit performed over time
Revenue
$482.16M
Gross profit
$482.16M
Operating income
$224.92M
Net income
$163.91M
Gross margin
100%
Net margin
34%
The net margin is down by 6% year-on-year
The operating income has grown by 4.6% from the previous quarter
Provident Financial Services's net income has decreased by 4.2% YoY but it has increased by 3.9% from the previous quarter
The operating margin has declined by 2.9% year-on-year

Growth

What is Provident Financial Services's growth rate over time

Valuation

What is Provident Financial Services stock price valuation
P/E
10.54
P/B
1.12
P/S
3.54
EV/EBIT
11.64
EV/EBITDA
10.54
EV/Sales
5.43
PFS's P/E is 14% below its 5-year quarterly average of 12.4 but 2% above its last 4 quarters average of 10.4
Provident Financial Services's EPS has increased by 4.3% QoQ but it has decreased by 3.1% YoY
The company's equity fell by 8% YoY and by 2.2% QoQ
The P/S is 11% below the 5-year quarterly average of 4.0
Provident Financial Services's revenue has increased by 3.4% QoQ

Efficiency

How efficient is Provident Financial Services business performance
The ROA has contracted by 8% YoY
Provident Financial Services's ROE has increased by 6% from the previous quarter
The ROIC has grown by 6% from the previous quarter but it has contracted by 6% YoY
Provident Financial Services's return on sales has decreased by 2.9% YoY

Dividends

What is PFS's dividend history
DPS
$0.96
Dividend yield
4.18%
Payout ratio
44%
Recent dividends

Financial health

How did Provident Financial Services financials performed over time
The company's total assets is 13% higher than its total liabilities
The total liabilities has grown by 2.9% year-on-year
The debt is 31% smaller than the equity
Provident Financial Services's debt to equity has soared by 82% YoY and by 8% from the previous quarter
The debt has soared by 67% year-on-year and by 6% since the previous quarter

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