COMP <GO>
TFSL vs PFS // PIOTROSKI F-SCORE QUALITY
TFS Financial Corporation (NASDAQ) VS. Provident Financial Services Inc (NYSE) • 15-METRIC TALLY: TFSL 1
— PFS 6
▲ PIOTROSKI F-SCORE QUALITY LEADER: PFS
LAST: $16.76 (+0.54%) • MKT CAP: $4.70B
piotroski-score
4/9
LAST: $23.17 (+0.22%) • MKT CAP: $3.02B
piotroski-score
6/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TFSL VS. PFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TFSL | PFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.80% | 10.30% | -5.50 | PFS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 1.51% | 14.25% | -12.74 | 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 | 1.27% | 4.17% | -2.90 | PFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 4/9 | 6/9 | -2.00 | PFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.1 | 54.0 | -7.94 | PFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 48.1x | 9.7x | +38.40 | PFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.70B | $3.02B | $1.68B | TFSL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TFSL REV | PFS REV | TFSL GROSS % | PFS GROSS % | TFSL FCF | PFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $73.1M | — | — | $71.0M | $430.7M |
| FY 2024 | $0 | $68.3M | — | — | $85.5M | $425.1M |
| FY 2023 | $0 | $57.5M | — | — | $90.7M | $173.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TFSL // BETA —
PFS // BETA —