PFS Provident Financial Services Inc

Price (delayed)

$15.92

Market cap

$2.08B

P/E Ratio

15.16

Dividend/share

$0.96

EPS

$1.05

Enterprise value

$4.29B

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 54% YoY
Provident Financial Services's revenue has increased by 35% YoY and by 16% QoQ
Provident Financial Services's net income has increased by 22% from the previous quarter but it has decreased by 10% YoY
The debt is up by 22% year-on-year but it is down by 8% since the previous quarter
Provident Financial Services's EPS has decreased by 39% YoY
PFS's P/E is 33% above its 5-year quarterly average of 11.1

Key stats

What are the main financial stats of PFS
Market
Shares outstanding
130.49M
Market cap
$2.08B
Enterprise value
$4.29B
Valuations
Price to earnings (P/E)
15.16
Price to book (P/B)
0.8
Price to sales (P/S)
2.88
EV/EBIT
28.7
EV/EBITDA
21.03
EV/Sales
7.07
Earnings
Revenue
$607.16M
Gross profit
$607.16M
Operating income
$149.62M
Net income
$115.53M
EBIT
$149.62M
EBITDA
$204.2M
Free cash flow
$425.07M
Per share
EPS
$1.05
EPS diluted
$1.05
Free cash flow per share
$3.88
Book value per share
$19.93
Revenue per share
$5.54
TBVPS
$211.84
Balance sheet
Total assets
$24.05B
Total liabilities
$21.45B
Debt
$2.42B
Equity
$2.6B
Working capital
N/A
Liquidity
Debt to equity
0.93
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.85
Margins
EBITDA margin
33.6%
Gross margin
100%
Net margin
19%
Operating margin
24.6%
Efficiency
Return on assets
0.5%
Return on equity
4.9%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
24.6%
Dividend
Dividend yield
6.03%
DPS
$0.96
Payout ratio
91.4%

PFS stock price

How has the Provident Financial Services stock price performed over time
Intraday
2.64%
1 week
3.71%
1 month
-5.91%
1 year
4.74%
YTD
-15.63%
QTD
-7.28%

Financial performance

How have Provident Financial Services's revenue and profit performed over time
Revenue
$607.16M
Gross profit
$607.16M
Operating income
$149.62M
Net income
$115.53M
Gross margin
100%
Net margin
19%
The operating margin has declined by 37% year-on-year but it has grown by 2.1% since the previous quarter
Provident Financial Services's revenue has increased by 35% YoY and by 16% QoQ
The gross profit has grown by 35% YoY and by 16% from the previous quarter
The net margin is down by 33% year-on-year but it is up by 6% since 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
15.16
P/B
0.8
P/S
2.88
EV/EBIT
28.7
EV/EBITDA
21.03
EV/Sales
7.07
Provident Financial Services's EPS has decreased by 39% YoY
PFS's P/E is 33% above its 5-year quarterly average of 11.1
The company's equity has surged by 54% YoY
The P/B is 13% below the 5-year quarterly average of 0.9 but 11% above the last 4 quarters average of 0.7
Provident Financial Services's revenue has increased by 35% YoY and by 16% QoQ
The P/S is 20% below the last 4 quarters average of 3.5 and 15% below the 5-year quarterly average of 3.3

Efficiency

How efficient is Provident Financial Services business performance
The ROIC has plunged by 50% YoY
The ROA has contracted by 44% YoY
Provident Financial Services's ROE has decreased by 37% YoY but it has increased by 11% from the previous quarter
Provident Financial Services's return on sales has decreased by 37% YoY but it has increased by 2.1% QoQ

Dividends

What is PFS's dividend history
DPS
$0.96
Dividend yield
6.03%
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 71% year-on-year
The company's total assets has surged by 69% YoY
The debt is 7% smaller than the equity
The company's equity has surged by 54% YoY
The debt is up by 22% year-on-year but it is down by 8% since the previous quarter

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