COMP <GO>
PFS vs BKU // DIVIDEND YIELD & FCF PAYOUT SAFETY
Provident Financial Services Inc (NYSE) VS. BankUnited Inc. (NYSE) • 15-METRIC TALLY: PFS 6
— BKU 1
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: PFS
LAST: $23.17 (+0.22%) • MKT CAP: $3.02B
dividend-safety
4.17%
LAST: $43.40 (+1.38%) • MKT CAP: $3.09B
dividend-safety
2.97%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PFS VS. BKU)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PFS | BKU | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.30% | 8.80% | +1.50 | PFS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 14.25% | 11.60% | +2.65 | PFS | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 7.10% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 4.17% | 2.97% | +1.20 | PFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | PFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 49.4 | +4.64 | PFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.7x | 10.7x | -1.00 | PFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.02B | $3.09B | -$69.6M | BKU | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PFS REV | BKU REV | PFS GROSS % | BKU GROSS % | PFS FCF | BKU FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $73.1M | $0 | — | — | $430.7M | $358.6M |
| FY 2024 | $68.3M | $0 | — | — | $425.1M | $433.8M |
| FY 2023 | $57.5M | $0 | — | — | $173.4M | $657.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PFS // BETA —
BKU // BETA —