PFS Provident Financial Services Inc
Price (delayed)
$18.14
Market cap
$2.37B
P/E Ratio
17.28
Dividend/share
$0.96
EPS
$1.05
Enterprise value
$4.75B
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
The company's equity has surged by 61% YoY and by 2.6% QoQ
Provident Financial Services's revenue has increased by 23% QoQ and by 13% YoY
Provident Financial Services's net income has decreased by 37% YoY but it has increased by 23% from the previous quarter
The debt is up by 29% year-on-year but it is down by 3.2% since the previous quarter
PFS's P/E is 63% above its 5-year quarterly average of 10.6 and 36% above its last 4 quarters average of 12.7
Provident Financial Services's EPS has decreased by 48% YoY
Key stats
What are the main financial stats of PFS
Market
Valuations
Earnings
Shares outstanding
130.49M
Market cap
$2.37B
Enterprise value
$4.75B
Price to earnings (P/E)
17.28
Price to book (P/B)
0.9
Price to sales (P/S)
4.5
EV/EBIT
37.51
EV/EBITDA
27.97
EV/Sales
9.07
Revenue
$523.88M
Gross profit
$523.88M
Operating income
$126.68M
Net income
$94.31M
EBIT
$126.68M
EBITDA
$169.9M
Free cash flow
$229.06M
Per share
Balance sheet
Liquidity
EPS
$1.05
EPS diluted
$1.04
Free cash flow per share
$1.76
Book value per share
$20.09
Revenue per share
$4.03
TBVPS
$178.57
Total assets
$24.04B
Total liabilities
$21.42B
Debt
$2.63B
Equity
$2.62B
Working capital
N/A
Debt to equity
1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
14.04
Margins
Efficiency
Dividend
EBITDA margin
32.4%
Gross margin
100%
Net margin
18%
Operating margin
24.2%
Return on assets
0.5%
Return on equity
4.4%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
24.2%
Dividend yield
5.29%
DPS
$0.96
Payout ratio
91.4%
PFS stock price
How has the Provident Financial Services stock price performed over time
Intraday
-0.87%
1 week
-2.73%
1 month
-6.69%
1 year
18.33%
YTD
-3.87%
QTD
-3.87%
Financial performance
How have Provident Financial Services's revenue and profit performed over time
Revenue
$523.88M
Gross profit
$523.88M
Operating income
$126.68M
Net income
$94.31M
Gross margin
100%
Net margin
18%
The operating margin has declined by 45% year-on-year but it has grown by 4.3% since the previous quarter
The net margin is down by 44% year-on-year
The operating income has contracted by 38% YoY but it has grown by 28% from the previous quarter
Provident Financial Services's net income has decreased by 37% YoY but it has increased by 23% from the previous quarter
Growth
What is Provident Financial Services's growth rate over time
Valuation
What is Provident Financial Services stock price valuation
P/E
17.28
P/B
0.9
P/S
4.5
EV/EBIT
37.51
EV/EBITDA
27.97
EV/Sales
9.07
PFS's P/E is 63% above its 5-year quarterly average of 10.6 and 36% above its last 4 quarters average of 12.7
Provident Financial Services's EPS has decreased by 48% YoY
The company's equity has surged by 61% YoY and by 2.6% QoQ
The P/B is 29% above the last 4 quarters average of 0.7
The P/S is 36% above the 5-year quarterly average of 3.3 and 32% above the last 4 quarters average of 3.4
Provident Financial Services's revenue has increased by 23% QoQ and by 13% YoY
Efficiency
How efficient is Provident Financial Services business performance
The ROIC has plunged by 57% YoY but it has grown by 20% from the previous quarter
The ROA has plunged by 55% YoY
Provident Financial Services's ROE has plunged by 52% YoY but it has increased by 10% from the previous quarter
Provident Financial Services's return on sales has decreased by 45% YoY but it has increased by 4.3% QoQ
Dividends
What is PFS's dividend history
DPS
$0.96
Dividend yield
5.29%
Payout ratio
91.4%
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 72% year-on-year
The company's total assets has surged by 71% YoY
The company's equity has surged by 61% YoY and by 2.6% QoQ
The debt is up by 29% year-on-year but it is down by 3.2% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.