PFS Provident Financial Services Inc

Price (delayed)

$15.46

Market cap

$1.17B

P/E Ratio

7.69

Dividend/share

$0.96

EPS

$2.01

Enterprise value

$3.01B

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
PFS's P/E is 28% below its 5-year quarterly average of 10.7 and 5% below its last 4 quarters average of 8.1
The company's equity rose by 4.6% YoY
The debt has soared by 89% year-on-year and by 9% since the previous quarter
Provident Financial Services's net income has decreased by 9% from the previous quarter and by 8% YoY

Key stats

What are the main financial stats of PFS
Market
Shares outstanding
75.61M
Market cap
$1.17B
Enterprise value
$3.01B
Valuations
Price to book (P/B)
0.72
Price to sales (P/S)
2.48
EV/EBIT
14.82
EV/EBITDA
13.34
EV/Sales
6.46
Earnings
Revenue
$466.06M
EBIT
$203.28M
EBITDA
$225.85M
Free cash flow
$162.15M
Per share
EPS
$2.01
Free cash flow per share
$2.16
Book value per share
$21.46
Revenue per share
$6.22
TBVPS
$181.93
Balance sheet
Total assets
$14.09B
Total liabilities
$12.46B
Debt
$2.03B
Equity
$1.62B
Working capital
N/A
Liquidity
Debt to equity
1.25
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.16
Margins
EBITDA margin
48.5%
Gross margin
100%
Net margin
32.2%
Operating margin
43.6%
Efficiency
Return on assets
1.1%
Return on equity
9.2%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
43.6%
Dividend
Dividend yield
6.21%
DPS
$0.96
Payout ratio
47.8%

PFS stock price

How has the Provident Financial Services stock price performed over time
Intraday
-1.02%
1 week
2.05%
1 month
-9.17%
1 year
-35.42%
YTD
-14.25%
QTD
-14.25%

Financial performance

How have Provident Financial Services's revenue and profit performed over time
Revenue
$466.06M
Gross profit
$466.06M
Operating income
$203.28M
Net income
$150.12M
Gross margin
100%
Net margin
32.2%
The operating income has contracted by 10% from the previous quarter and by 10% YoY
Provident Financial Services's net income has decreased by 9% from the previous quarter and by 8% YoY
The operating margin has declined by 6% year-on-year and by 5% since the previous quarter
The gross profit has contracted by 5% from the previous quarter and by 3.3% YoY

Growth

What is Provident Financial Services's growth rate over time

Valuation

What is Provident Financial Services stock price valuation
P/E
7.69
P/B
0.72
P/S
2.48
EV/EBIT
14.82
EV/EBITDA
13.34
EV/Sales
6.46
PFS's P/E is 28% below its 5-year quarterly average of 10.7 and 5% below its last 4 quarters average of 8.1
Provident Financial Services's EPS has decreased by 9% QoQ and by 8% YoY
The P/B is 28% below the 5-year quarterly average of 1.0 and 10% below the last 4 quarters average of 0.8
The company's equity rose by 4.6% YoY
The P/S is 29% below the 5-year quarterly average of 3.5 and 11% below the last 4 quarters average of 2.8
Provident Financial Services's revenue has decreased by 5% QoQ and by 3.3% YoY

Efficiency

How efficient is Provident Financial Services business performance
The ROIC has contracted by 18% YoY and by 7% from the previous quarter
Provident Financial Services's ROE has decreased by 11% from the previous quarter and by 10% YoY
The ROA has contracted by 8% from the previous quarter and by 8% YoY
Provident Financial Services's return on sales has decreased by 6% YoY and by 5% QoQ

Dividends

What is PFS's dividend history
DPS
$0.96
Dividend yield
6.21%
Payout ratio
47.8%
Recent dividends

Financial health

How did Provident Financial Services financials performed over time
The company's total assets is 13% higher than its total liabilities
The company's total assets rose by 3.6% YoY
The total liabilities has grown by 3.4% year-on-year
The debt is 25% greater than the equity
The debt has soared by 89% year-on-year and by 9% since the previous quarter
Provident Financial Services's debt to equity has soared by 81% YoY and by 11% from the previous quarter

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