PFS Provident Financial Services Inc

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

Price (delayed)

$19.01

Market cap

$1.44B

P/E Ratio

11.81

Dividend/share

$0.96

EPS

$1.61

Enterprise value

$3.35B

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 3.4% YoY
PFS's P/E is 34% above its last 4 quarters average of 8.6 and 12% above its 5-year quarterly average of 10.3
The debt is up by 30% year-on-year and by 4.4% since 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
75.98M
Market cap
$1.44B
Enterprise value
$3.35B
Valuations
Price to earnings (P/E)
11.81
Price to book (P/B)
0.85
Price to sales (P/S)
3.24
EV/EBIT
20.49
EV/EBITDA
18.07
EV/Sales
7.6
Earnings
Revenue
$441.19M
EBIT
$163.76M
EBITDA
$185.71M
Free cash flow
$149.37M
Per share
EPS
$1.61
Free cash flow per share
$1.98
Book value per share
$22.42
Revenue per share
$5.86
TBVPS
$181.69
Balance sheet
Total assets
$14.13B
Total liabilities
$12.44B
Debt
$2.07B
Equity
$1.7B
Working capital
N/A
Liquidity
Debt to equity
1.22
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.29
Margins
EBITDA margin
42.1%
Gross margin
100%
Net margin
27.2%
Operating margin
37.1%
Efficiency
Return on assets
0.8%
Return on equity
7.2%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
37.1%
Dividend
Dividend yield
5.05%
DPS
$0.96
Payout ratio
59.6%

PFS stock price

How has the Provident Financial Services stock price performed over time
Intraday
2.42%
1 week
7.16%
1 month
42.29%
1 year
-1.86%
YTD
5.44%
QTD
32.47%

Financial performance

How have Provident Financial Services's revenue and profit performed over time
Revenue
$441.19M
Gross profit
$441.19M
Operating income
$163.76M
Net income
$119.94M
Gross margin
100%
Net margin
27.2%
The operating income has contracted by 31% YoY and by 7% from the previous quarter
Provident Financial Services's net income has decreased by 30% YoY and by 7% from the previous quarter
The operating margin has declined by 21% year-on-year and by 4.6% since the previous quarter
The net margin is down by 21% year-on-year and by 4.2% 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
11.81
P/B
0.85
P/S
3.24
EV/EBIT
20.49
EV/EBITDA
18.07
EV/Sales
7.6
PFS's P/E is 34% above its last 4 quarters average of 8.6 and 12% above its 5-year quarterly average of 10.3
Provident Financial Services's EPS has decreased by 30% YoY and by 6% QoQ
The P/B is 19% above the last 4 quarters average of 0.7 but 8% below the 5-year quarterly average of 0.9
The company's equity rose by 3.4% YoY
The P/S is 22% above the last 4 quarters average of 2.6 but 3.9% below the 5-year quarterly average of 3.3
Provident Financial Services's revenue has decreased by 12% YoY and by 2.3% QoQ

Efficiency

How efficient is Provident Financial Services business performance
The ROA has contracted by 38% YoY and by 11% from the previous quarter
The ROIC has contracted by 35% YoY and by 8% from the previous quarter
Provident Financial Services's ROE has decreased by 33% YoY and by 8% from the previous quarter
Provident Financial Services's return on sales has decreased by 21% YoY and by 4.6% QoQ

Dividends

What is PFS's dividend history
Dividend details
DPS
$0.96
Dividend yield
5.05%
Payout ratio
59.6%
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 company's total assets rose by 2.6% YoY
The total liabilities has grown by 2.4% year-on-year
The debt is 22% greater than the equity
The debt is up by 30% year-on-year and by 4.4% since the previous quarter
Provident Financial Services's debt to equity has increased by 26% YoY and by 4.3% from the previous quarter

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