PFS Provident Financial Services Inc
Price (delayed)
$17.19
Market cap
$2.24B
P/E Ratio
16.37
Dividend/share
$0.96
EPS
$1.05
Enterprise value
$4.46B
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
The debt is up by 22% year-on-year but it is down by 8% since the previous quarter
Provident Financial Services's net income has increased by 22% from the previous quarter but it has decreased by 10% YoY
PFS's P/E is 47% above its 5-year quarterly average of 11.1 and 13% above its last 4 quarters average of 14.5
Provident Financial Services's EPS has decreased by 39% YoY
Key stats
What are the main financial stats of PFS
Market
Valuations
Earnings
Shares outstanding
130.49M
Market cap
$2.24B
Enterprise value
$4.46B
Price to earnings (P/E)
16.37
Price to book (P/B)
0.86
Price to sales (P/S)
3.1
EV/EBIT
29.8
EV/EBITDA
21.84
EV/Sales
7.34
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
Balance sheet
Liquidity
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
Total assets
$24.05B
Total liabilities
$21.45B
Debt
$2.42B
Equity
$2.6B
Working capital
N/A
Debt to equity
0.93
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.85
Margins
Efficiency
Dividend
EBITDA margin
33.6%
Gross margin
100%
Net margin
19%
Operating margin
24.6%
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 yield
5.58%
DPS
$0.96
Payout ratio
91.4%
PFS stock price
How has the Provident Financial Services stock price performed over time
Intraday
0.12%
1 week
-1.43%
1 month
-5.81%
1 year
18.47%
YTD
-8.9%
QTD
0.12%
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
16.37
P/B
0.86
P/S
3.1
EV/EBIT
29.8
EV/EBITDA
21.84
EV/Sales
7.34
PFS's P/E is 47% above its 5-year quarterly average of 11.1 and 13% above its last 4 quarters average of 14.5
Provident Financial Services's EPS has decreased by 39% YoY
The company's equity has surged by 54% YoY
The P/B is 23% above the last 4 quarters average of 0.7 but 4.4% below the 5-year quarterly average of 0.9
Provident Financial Services's revenue has increased by 35% YoY and by 16% QoQ
The P/S is 11% below the last 4 quarters average of 3.5 and 6% 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
5.58%
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.