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PFS Provident Financial Services Inc
- Stocks
- Financial Services
- NYSE: PFS
Price (delayed)
$17.33
Market cap
$2.26B
P/E Ratio
15.2
Dividend/share
$0.96
EPS
$1.14
Enterprise value
$4.77B
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 35% above its 5-year quarterly average of 11.3 but 4.9% 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
Valuations
Earnings
Shares outstanding
130.66M
Market cap
$2.26B
Enterprise value
$4.77B
Price to earnings (P/E)
15.2
Price to book (P/B)
0.85
Price to sales (P/S)
3.22
EV/EBIT
24.03
EV/EBITDA
18.04
EV/Sales
6.81
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
Balance sheet
Liquidity
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
Total assets
$24.22B
Total liabilities
$21.57B
Debt
$2.74B
Equity
$2.66B
Working capital
N/A
Debt to equity
1.03
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.48
Margins
Efficiency
Dividend
EBITDA margin
37.7%
Gross margin
100%
Net margin
21.1%
Operating margin
28.3%
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 yield
5.54%
DPS
$0.96
Payout ratio
84.2%
PFS stock price
How has the Provident Financial Services stock price performed over time
Intraday
-0.12%
1 week
-3.62%
1 month
11.88%
1 year
10.81%
YTD
-8.16%
QTD
0.93%
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
15.2
P/B
0.85
P/S
3.22
EV/EBIT
24.03
EV/EBITDA
18.04
EV/Sales
6.81
PFS's P/E is 35% above its 5-year quarterly average of 11.3 but 4.9% 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 6% above the last 4 quarters average of 0.8 but 6% 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 13% below the last 4 quarters average of 3.7 and 2.1% below the 5-year quarterly average of 3.3
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
5.54%
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.