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Provident Financial Services Inc

Financial Services US PFS

20.91USD
0.10(0.48%)

Last update at 2026-03-10T20:00:00Z

Day Range

20.6821.39
LowHigh

52 Week Range

13.2123.25
LowHigh

Fundamentals

  • Previous Close 20.81
  • Market Cap1382.40M
  • Volume1104104
  • P/E Ratio9.10
  • Dividend Yield5.25%
  • Revenue TTM466.06M
  • Revenue Per Share TTM6.24
  • Gross Profit TTM 496.95M
  • Diluted EPS TTM2.01

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 240.11M 227.12M 127.55M 147.09M 143.92M
Minority interest - - - - -
Net income 175.65M 167.92M 96.95M 112.63M 118.39M
Selling general administrative 152.40M 149.63M 133.98M 118.17M 114.98M
Selling and marketing expenses 5.19M 3.95M 4.40M 4.12M 3.84M
Gross profit 462.31M 414.22M 348.81M 327.94M 328.28M
Reconciled depreciation 3.29M 3.66M 20.02M 18.83M 10.10M
Ebit 288.74M 227.12M 127.55M 147.09M 211.04M
Ebitda 292.03M 230.78M 130.98M 149.83M 213.17M
Depreciation and amortization 3.29M 3.66M 3.42M 2.74M 2.13M
Non operating income net other - - - - -
Operating income 288.74M 227.12M 127.55M 147.09M 203.07M
Other operating expenses 5.19M -225.71400M -257.44700M -214.67900M 156.28M
Interest expense 48.63M 36.32M 50.74M 73.50M 59.15M
Tax provision 64.46M 59.20M 30.60M 34.45M 25.53M
Interest income 466.18M 402.34M 363.31M 371.47M 359.83M
Net interest income 417.55M 366.02M 312.57M 297.97M 300.68M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 64.46M 59.20M 30.60M 34.45M 25.53M
Total revenue 505.34M 452.83M 385.00M 361.77M 359.35M
Total operating expenses 5.19M -225.71400M -257.44700M -214.67900M -156.28200M
Cost of revenue 43.03M 38.61M 36.20M 33.83M 31.07M
Total other income expense net -48.62900M -132.66000M -195.15900M -186.43900M -59.15300M
Discontinued operations - - - - -
Net income from continuing ops 175.65M 167.92M 96.95M 181.54M 118.39M
Net income applicable to common shares 175.65M 167.92M 96.95M 112.63M 118.39M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 13783.44M 13781.20M 12919.74M 9808.58M 9725.77M
Intangible assets 17.27M 19.76M 23.21M 437.02M 418.18M
Earning assets - 2735.81M 1744.91M 1583.17M 1684.05M
Other current assets -1803.54800M 7928.83M 9135.87M 6692.28M 6469.11M
Total liab 12185.73M 637.06M 1201.11M 1125.15M 8366.79M
Total stockholder equity 1597.70M 1697.10M 1619.80M 1413.84M 1358.98M
Deferred long term liab - - - - -
Other current liab 10563.02M 11234.01M 1368.03M 8394.74M 8366.79M
Common stock 0.83M 0.83M 0.83M 0.83M 0.83M
Capital stock 0.83M 0.83M 0.83M 0.83M 0.83M
Retained earnings 918.16M 814.53M 718.09M 695.27M 651.10M
Other liab 89.08M 213.04M 261.01M 84.81M 79.62M
Good will 443.62M 444.42M 443.00M 420.56M 411.60M
Other assets 9008.17M 7928.83M 9135.87M 6692.28M 11745.21M
Cash 186.51M 712.46M 532.35M 186.75M 142.66M
Cash and equivalents - - - - -
Total current liabilities 10563.02M 436.15M 1556.45M 8394.74M 8366.79M
Current deferred revenue - - - - -
Net debt 1161.36M -75.40600M 668.75M 938.40M 1299.62M
Short term debt - 436.15M 188.42M 549.91M 121.32M
Short long term debt - - - 549.91M 121.32M
Short long term debt total 1347.86M 637.06M 1201.11M 1125.15M 1442.28M
Other stockholder equity 843.76M 874.87M 883.22M 713.91M 719.38M
Property plant equipment 79.79M 80.56M 75.95M 55.21M 58.12M
Total current assets 2041.96M 2812.30M 1684.29M 1192.70M 7706.33M
Long term investments 2192.62M 2495.33M 11277.88M 8707.91M 8737.53M
Net tangible assets 1136.81M 1232.91M 1153.59M 976.82M 940.80M
Short term investments 1803.55M 2057.85M 1105.49M 976.92M 1063.08M
Net receivables 51.90M 41.99M 46.45M 29.03M 31.48M
Long term debt 1347.86M 637.06M 1175.97M 1125.15M 1442.28M
Inventory 2.12M 8.73M 4.47M 2.71M 1.56M
Accounts payable 10563.02M 11234.01M 9837.83M 7102.61M 6830.12M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -165.04500M 6.86M 17.66M 3.82M -12.33600M
Additional paid in capital - - - - -
Common stock total equity 0.83M 0.83M 0.83M 0.83M 0.83M
Preferred stock total equity - - - - -
Retained earnings total equity 918.16M 814.53M 718.09M 695.27M 651.10M
Treasury stock -127.15400M -79.60300M -59.01800M -268.50400M -272.47000M
Accumulated amortization - - - - -
Non currrent assets other -2733.30400M -3040.06800M -2099.58300M -1923.60200M 6469.11M
Deferred long term asset charges - - - - -
Non current assets total 2733.30M 3040.07M 2099.58M 1923.60M 2019.44M
Capital lease obligations - - - - -
Long term debt total 1347.86M 637.06M 1175.97M 1125.15M 1442.28M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -655.30000M -985.32700M -580.72200M 60.88M -31.50000M
Change to liabilities 60.54M -48.11300M 59.88M 25.31M 4.82M
Total cashflows from investing activities -647.56400M -717.93600M -507.98400M 42.87M 46.70M
Net borrowings 710.60M -564.19800M -150.75600M -317.13600M -300.23200M
Total cash from financing activities -78.70100M 739.86M 746.68M -135.70500M -250.59700M
Change to operating activities -18.04200M -85.52400M -134.34100M -37.13700M -25.96000M
Net income 175.65M 167.92M 96.95M 112.63M 118.39M
Change in cash -498.72500M 180.11M 345.61M 44.09M -48.17300M
Begin period cash flow 685.16M 532.35M 186.75M 142.66M 190.83M
End period cash flow 186.44M 712.46M 532.35M 186.75M 142.66M
Total cash from operating activities 200.31M 158.18M 106.91M 136.93M 155.72M
Issuance of capital stock 0.00000M 0.00000M 0.45M 2.23M 1.71M
Depreciation 23.69M 22.73M 20.02M 18.83M 10.10M
Other cashflows from investing activities 17.15M 33.16M 85.56M -13.13100M 1.98M
Dividends paid -72.02300M -71.47800M -65.82300M -72.80900M 53.60M
Change to inventory - - - - -
Change to account receivables -9.91300M 4.46M 8.47M 2.44M -1.82900M
Sale purchase of stock -46.53000M -20.71100M -21.16100M -19.86700M -13.17200M
Other cashflows from financing activities 3129.42M 2279.07M 3413.97M 1504.29M 618.85M
Change to netincome -16.49400M 48.59M 4.86M 2.83M -6.15300M
Capital expenditures 9.41M 13.80M 12.82M 4.88M 3.16M
Change receivables -9.91300M 4.46M 8.47M 2.44M -1.82900M
Cash flows other operating -35.49400M 32.94M -85.35700M -25.32700M 20.96M
Exchange rate changes - - - - -
Cash and cash equivalents changes -525.95500M 180.11M 345.61M 44.09M -48.17300M
Change in working capital -5.66000M -33.38900M -38.45600M -18.48100M 8.25M
Stock based compensation 13.74M 9.97M 7.92M 11.38M 10.75M
Other non cash items -9.33600M -21.46200M 28.40M 10.89M 26.77M
Free cash flow 190.90M 144.38M 94.09M 132.04M 152.56M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
PFS
Provident Financial Services Inc		 0.10 0.48% 20.91 9.10 8.77 2.91 0.84
HDB
HDFC Bank Limited ADR		 -0.24 0.81% 29.48 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.02 0.06% 31.67 6.61 5.68 0.48 0.77 3.43
IBN
ICICI Bank Limited		 0.04 0.14% 28.06 17.79 16.95 0.07 3.08
BNPQY
BNP Paribas SA ADR		 0.20 0.39% 50.96 8.57 6.56 1.75 0.57

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Profile

Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, it sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

Provident Financial Services Inc

239 Washington Street, Jersey City, NJ, United States, 07302

Key Executives

Name Title Year Born
Mr. Christopher P. Martin Exec. Chairman 1956
Mr. Anthony J. Labozzetta Pres, CEO & Director 1964
Mr. Thomas M. Lyons CPA Sr. EVP & CFO 1964
Mr. John F. Kuntz Esq. Sr. EVP, Gen. Counsel & Corp. Sec. 1955
Ms. Valerie O. Murray CFP Exec. VP & Chief Wealth Management Officer of Provident Bank 1975
Adriano M. Duarte Sr. VP & Investor Relations Officer NA
Mr. Robert G. Capozzoli Sr. VP & Chief Marketing Officer 1971
Mr. Brian Giovinazzi Exec. VP & Chief Credit Officer of the Provident Bank 1954
Mr. Frank S. Muzio CPA Exec. VP & Chief Accounting Officer of Provident Bank 1953
Mr. James A. Christy Exec. VP & Chief Risk Officer of Provident Bank 1967

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