PFS Provident Financial Services Inc

  1. Stocks
  2. Financial Services
  3. NYSE: PFS

Price (delayed)

$15.55

Market cap

$1.18B

P/E Ratio

9.04

Dividend/share

$0.96

EPS

$1.72

Enterprise value

$2.98B

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 rose by 6% YoY and by 4.2% QoQ
The debt is up by 47% year-on-year but it is down by 2.6% since the previous quarter
PFS's P/E is 14% below its 5-year quarterly average of 10.5 but 8% above its last 4 quarters average of 8.4
Provident Financial Services's EPS has decreased by 27% YoY and by 14% QoQ
Provident Financial Services's net income has decreased by 27% YoY and by 14% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.providentnj.com
Peers: OCFC KRNY

Key stats

What are the main financial stats of PFS
Market
Shares outstanding
75.6M
Market cap
$1.18B
Enterprise value
$2.98B
Valuations
Price to earnings (P/E)
9.04
Price to book (P/B)
0.7
Price to sales (P/S)
2.58
EV/EBIT
16.93
EV/EBITDA
15.03
EV/Sales
6.59
Earnings
Revenue
$451.38M
EBIT
$175.78M
EBITDA
$197.97M
Free cash flow
$166.01M
Per share
EPS
$1.72
Free cash flow per share
$2.22
Book value per share
$22.36
Revenue per share
$6.03
TBVPS
$183.75
Balance sheet
Total assets
$14.21B
Total liabilities
$12.52B
Debt
$1.98B
Equity
$1.69B
Working capital
N/A
Liquidity
Debt to equity
1.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.09
Margins
EBITDA margin
43.9%
Gross margin
100%
Net margin
28.4%
Operating margin
38.9%
Efficiency
Return on assets
0.9%
Return on equity
7.8%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
38.9%
Dividend
Dividend yield
6.17%
DPS
$0.96
Payout ratio
55.8%

PFS stock price

How has the Provident Financial Services stock price performed over time
Intraday
0.19%
1 week
14.17%
1 month
4.86%
1 year
-13.27%
YTD
-13.75%
QTD
6.73%

Financial performance

How have Provident Financial Services's revenue and profit performed over time
Revenue
$451.38M
Gross profit
$451.38M
Operating income
$175.78M
Net income
$128.4M
Gross margin
100%
Net margin
28.4%
The operating income has contracted by 27% YoY and by 14% from the previous quarter
Provident Financial Services's net income has decreased by 27% YoY and by 14% from the previous quarter
The net margin is down by 20% year-on-year and by 12% since the previous quarter
The operating margin has declined by 19% year-on-year and by 11% since the previous quarter

Growth

What is Provident Financial Services's growth rate over time

Valuation

What is Provident Financial Services stock price valuation
PFS P/E details
P/E
9.04
P/B
0.7
P/S
2.58
EV/EBIT
16.93
EV/EBITDA
15.03
EV/Sales
6.59
Provident Financial Services's EPS has decreased by 27% YoY and by 14% QoQ
PFS's P/E is 14% below its 5-year quarterly average of 10.5 but 8% above its last 4 quarters average of 8.4
The P/B is 22% below the 5-year quarterly average of 0.9 and 13% below the last 4 quarters average of 0.8
The company's equity rose by 6% YoY and by 4.2% QoQ
The P/S is 24% below the 5-year quarterly average of 3.4 and 4.4% below the last 4 quarters average of 2.7
Provident Financial Services's revenue has decreased by 9% YoY and by 3.2% QoQ

Efficiency

How efficient is Provident Financial Services business performance
The ROA has contracted by 31% YoY and by 18% from the previous quarter
Provident Financial Services's ROE has decreased by 30% YoY and by 15% from the previous quarter
The ROIC has contracted by 29% YoY and by 14% from the previous quarter
Provident Financial Services's return on sales has decreased by 19% YoY and by 11% QoQ

Dividends

What is PFS's dividend history
Dividend details
DPS
$0.96
Dividend yield
6.17%
Payout ratio
55.8%
Recent dividends

Financial health

How did Provident Financial Services financials performed over time
The company's total assets is 14% higher than its total liabilities
The total liabilities has grown by 2.7% year-on-year
The company's total assets rose by 3.1% YoY
The debt is 17% greater than the equity
The debt is up by 47% year-on-year but it is down by 2.6% since the previous quarter
Provident Financial Services's debt to equity has increased by 39% YoY but it has decreased by 6% from the previous quarter

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