PROVIDENT FINANCIAL SERVICES INC · Savings Institution, Federally Chartered

PFS

Moderate riskNext report: In 1 days (est.)

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The short version

A profitable company with steady sales. Institutions are adding.

Going well

Pays a 4.1% dividend yield
Profitable every year for 10 years
Brings in more cash than it spends

Watch out for

Share count growing 20.4% a year (dilution)
2 offering filings in 6 months (may sell new shares)

Money moves

No insider buying or selling in the last 30 days
Institutions added 3.4% to their holdings in the quarter ending June 2026 (146 bought, 107 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$23.25+0.1% that day

Company value: $3.0B; Share price times all shares
Price vs profit (P/E): 9.7x; You pay about $10 for each $1 of yearly profit
Price vs sales: 39.9x; Company value is 39.9 times a year of sales
Dividend yield: 4.1%; Yearly dividend as a share of today's price
Cash vs value: 8%; Cash as a share of company value

From PFS's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$19.6M+7.5% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $76.0M, up 6.2% from the 12 months before.

What the price assumes

Your guesses, our math

Move the sliders to your own view of PFS. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).

Sales growth+6% a yearRecently: +6.2% a yearProfit margin10%Not reportedP/E at the end10xToday: 9.7x. Many steady companies trade at 12x to 25xShare count change+10% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$102M

Profit in 5 years$10M

Price these guesses point to$0.48-98% vs $23.25 todayAbout -54% a year, before dividends

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/4Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.10.7%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$430.7M
MissShare count not growingNot diluting owners. Falling means buybacks.+74.5% in 3 years

Revenue: $73.1M
Free cash flow: $430.7M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.