PFS
Provident Financial Services, Inc.
PFS's fundamentals are strong: its operating margin rose 3 points to 46% and revenue grew 8.6%. At 9.6x earnings, it's trading in line with its usual 10x. Analysts expect earnings growth.
PFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PFS.
PFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $20.68 | -9.8% |
| Forward | 9.1x | $22.94 | — |
| Current | 9.6x | $22.94 | — |
| Fair | 10x | $24.58 | +7.1% |
| Expensive | 15x | $35.05 | +53% |
Historical ranges are pointers, not guarantees.
PFS's PE is in its cheap range at 9.6x. If earnings grow as analysts expect, today's price would be 9.1x next year's earnings.
PFS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PFS, with profitability improving.
PFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.53 | +6.1% |
| Q3 2026 | $2.38 | +21% |
| Q2 2026 | $2.40 | +36% |
| Q1 2026 | $2.35 | +112% |
| Q4 2025 | $2.23 | +112% |
| Q3 2025 | $1.96 | +88% |
| Q2 2025 | $1.77 | +67% |
| Q1 2025 | $1.11 | -31% |
| Q4 2024 | $1.05 | -39% |
PFS earned $2.38 per share over the past year, up 21% from the year before.
PFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $238.5M | +7.6% |
| Q2 2026 | $234.7M | +9.6% |
| Q1 2026 | $225.2M | +7.9% |
| Q4 2025 | $225.7M | +9.6% |
| Q3 2025 | $221.8M | +5.3% |
| Q2 2025 | $214.2M | +31% |
| Q1 2025 | $208.8M | +82% |
| Q4 2024 | $205.9M | +79% |
PFS's revenue has grown year over year for 10 quarters in a row: $239M last quarter, up 7.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | -7 points |
| Q2 2026 | 45% | -2.6 points |
| Q1 2026 | 49% | +4.9 points |
| Q4 2025 | 50% | +19 points |
| Q3 2025 | 46% | +15 points |
| Q2 2025 | 48% | +61 points |
| Q1 2025 | 44% | +6.5 points |
| Q4 2024 | 30% | -4.2 points |
PFS's operating margin was 39% last quarter, down 7 points from the same quarter a year ago.
PFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.9M | -50% |
| Q2 2026 | $108.6M | -41% |
| Q1 2026 | $81M | -7.3% |
| Q4 2025 | $64.1M | -73% |
| Q3 2025 | $96.7M | +42% |
| Q2 2025 | $182.6M | +142% |
| Q1 2025 | $87.4M | +114% |
| Q4 2024 | $240.8M | +438% |
PFS's free cash flow was $302M over the past year, down 50% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PFS.
PFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +29.4K shares |
| 1 year | -0.1% | -136K shares |
| 3 years | +74% | +55.5M shares |
| 5 years | +70% | +53.7M shares |
| Available history | +101% | +65.7M shares |
PFS has 130M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $10.3M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | $1,000 |
PFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 14.7x | High |
| Q2 2026 | 12.8x | High |
| Q1 2026 | 14.1x | High |
| Q4 2025 | 12.2x | High |
| Q3 2025 | 13.1x | High |
| Q2 2025 | 16.4x | High |
| Q1 2025 | 24.0x | High |
| Q4 2024 | 27.4x | High |
PFS's net debt is about 15 years of its operating earnings (EBITDA), up from 13 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PFS.
PFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.8 | Neutral |
| Stochastic | 34.6 | Neutral |
PFS's weekly RSI is 51 (neutral) and its Stochastic is 35 (neutral).
PFS PE vs Financial Services Sector
| Metric | PFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 31 | 63 | 32 pts below |
PFS is trading at 9.6x earnings, a 26% discount to the Financial Services sector's median of 13x.
PFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.7 | 0.9% above |
| 20 week MA | $23.4 | 2% below |
| 50 week MA | $22.4 | 2.6% above |
| 100 week MA | $20.2 | 13% above |
| 200 week MA | $18.8 | 22% above |
PFS's trend is mixed: it's above four of its five weekly moving averages, and 22% above its 200-week average.
PFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.6 | $17.9 | -28% |
| 2021 | $17.9 | $24.3 | +36% |
| 2022 | $24.3 | $21.4 | -12% |
| 2023 | $21.4 | $18.0 | -16% |
| 2024 | $18.0 | $18.9 | +4.7% |
| 2025 | $18.9 | $20.4 | +7.9% |
| 2026 YTD | $20.4 | $22.9 | +13% |
PFS has finished lower in three of the last six years. It's up 13% so far in 2026.