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New Jersey bank offering commercial, retail and wealth-management banking across New Jersey, New York and Pennsylvania.
New Jersey bank offering commercial, retail and wealth-management banking across New Jersey, New York and Pennsylvania.
Earns mostly the gap between interest on loans, weighted to commercial borrowers, and what it pays on deposits, with fees from wealth management as a smaller addition. Its income follows loan growth and funding costs across the three states it serves.
Moat: narrow (scale, distribution). Long-standing, multi-state New Jersey-area branch franchise.
Headquarters: Jersey City, New Jersey, US · Founded: 1839 · Employees: 1,866
Size Provident Financial Services (PFS) is a United States Financials company (Savings Banks) with a market value of $2.99B, the 1554th largest of 3,117 United States companies the cockpit tracks. Shares closed at $22.96 on 6 Nov 2026.
Performance Over six months the shares gained 2.5%, against +9.5% for the median peer and -1.1% for the United States market (cap-weighted) — 5th lowest of 15 in its peer set.
Growth Revenue grew 4.5% over the last twelve months (peer median +5.9%); the operating margin is 47.5% (peer median 39.8%).
Valuation It trades at 1.05× book value against a peer median of 1.23× (5th cheapest of 15).
Price implies The share price implies a return on equity of about 9.2%; Provident Financial Services delivers 11.0%, so the price asks less than the business earns today.
Short interest Short interest is 4.7% of the free float (15 Oct 2026).
Next results Next results expected around 22 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.43B | $1.38B | $1.14B | $696M | $553M |
| Revenue growth | — | +21% | +64% | +26% | — |
| Net income | $310M | $291M | $116M | $128M | $176M |
| Free cash flow | n/a | $431M | $425M | $162M | $193M |
| Capital expenditure | n/a | $11.5M | $1.31M | $7.49M | $9.41M |
| Total debt | $2.82B | $2.58B | $2.49B | $2.04B | $1.41B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Provident Financial Services PFS | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% |
| Columbia Financial CLBK | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% |
| OceanFirst Financial OCFC | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% |
| Valley National Bancorp VLY | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PFS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.3% | +4.1% | 8th lowest of 16 |
| 6-month return | +2.5% | +9.5% | 5th lowest of 15 |
| Return on equity | 11.0% | 9.5% | 6th highest of 15 |
| Price / book | 1.05× | 1.23× | 5th cheapest of 15 |
| Trailing P/E | 9.7× | 13.1× | 2nd cheapest of 15 |
| ROE the price implies | 9.2% | 9.9% | 7th least demanding of 15 |
| ROE delivered | 11.0% | 9.6% | 6th highest of 15 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Provident Financial Services PFS | United States | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% | 11.0% |
| Columbia Financial CLBK | United States | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% | 2.3% |
| Sparebank 1 Ostlandet SPOL.OL | Norway | $3.01B | +9% | -2% | 9% | 1.09× | 7.1% | 9.1% |
| SpareBank 1 SMN MING.OL | Norway | $3.38B | +16% | -6% | 9% | 1.08× | 7.0% | 8.8% |
| WSFS Financial WSFS | United States | $3.99B | +10% | +2% | 12% | 1.53× | 12.4% | 12.4% |
| Northwest Bancshares NWBI | United States | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% | 10.7% |
| Shawbrook SHAW.L | United Kingdom | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% | 12.2% |
| TFS Financial TFSL | United States | $4.61B | +9% | +6% | 5% | 2.72× | 18.1% | 5.1% |
| OceanFirst Financial OCFC | United States | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% | 2.3% |
| Triumph Financial TFIN | United States | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% | 5.3% |
| American Savings Bank N.A ASBH | United States | $1.30B | n/a | n/a | n/a | n/a | n/a | n/a |
| Capitol Federal Financial CFFN | United States | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% | 8.4% |
| Storebrand STB.OL | Norway | $8.94B | +13% | +40% | 14% | 2.56× | 16.1% | 13.9% |
| Sparebank 1 Sor-norge SB1NO.OL | Norway | $9.31B | +24% | -5% | 13% | 1.69× | 12.4% | 12.5% |
| TrustCo Bank Corp NY TRST | United States | $947M | +17% | +6% | 10% | 1.50× | 10.7% | 10.0% |
| Southern Missouri Bancorp SMBC | United States | $775M | +2% | +3% | 13% | 1.29× | 10.5% | 12.9% |