Provident Financial Services Inc (PFS) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
Even with a 62/100 (C) score, PFS faces multiple-compression risk if 10.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.87) or 200D SMA ($22.64) invalidates the momentum regime and cuts Target Base ($23.59) toward Bear Floor ($18.40).
Provident Financial Services Inc (PFS) advanced +0.22% to $23.17, trading at 70% of its 52-week range ($17.71 – $25.49). Solid steady margins (10% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
Provident Financial Services has delivered a share price that has moved sharply over recent years, so the obvious question for you now is whether the current valuation is supported by the returns the business earns on it
Provident Financial Services (NYSE:PFS) reported third-quarter 2026 core net income of $84 million, or $0.65 per diluted share, as record operating revenue and continued loan and deposit growth supported results. Reporte
2026-10-30. The following slide deck was published by Provident Financial Services, Inc.
Record revenue and margin expansion drove returns above 16% for the sixth straight quarter.
ISELIN, NJ, Oct. 29, 2026 (GLOBE NEWSWIRE) -- Provident Financial Services, Inc. (NYSE:PFS) (the “Company”) Board of Directors declared a quarterly cash dividend of $0.24 per common share payable on November 27, 2026 to
Provident Financial Services, Inc. (PFS) Q3 2026 Earnings Call October 29, 2026 10:00 AM EDTCompany ParticipantsMichael Perito - Senior VP & Investor...
Moby summary of Provident Financial Services, Inc.'s Q3 2026 earnings call
Provident Finl Servs (NYSE:PFS) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PFS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PFS. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Provident Financial Services Inc (PFS) ranks #427 by composite RQD confidence (62/100, grade C) and #366 by equity capitalization ($3.02B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while PFS leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PFS at 62/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PFS
ACTIVE
Provident Financial Services Inc | C | 62/100 | 10.4x | — | 10.3% | +0.22% | $3.02B | Benchmark Subject |
| BKU BankUnited Inc. | C+ | 68/100 | 11.5x | — | 8.8% | +1.38% | $3.09B | /bku-vs-pfs → |
| CLBK Columbia Financial Inc. | D | 50/100 | — | — | — | +0.56% | $2.89B | /clbk-vs-pfs → |
| TFSL TFS Financial Corporation | D | 48/100 | 51.7x | — | 4.8% | +0.54% | $4.70B | /tfsl-vs-pfs → |
| EBC Eastern Bankshares Inc. | C+ | 69/100 | 58.6x | — | 0.7% | +0.53% | $5.17B | /ebc-vs-pfs → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Provident Financial Services Inc (PFS) reported GAAP revenue of $73.1M (+7.1% vs. FY2024 revenue of $68.3M , and +27.1% cumulative change since FY2023) , GAAP net income of $291.0M, operating cash flow of $442.3M, and free cash flow of $430.7M (+1.3% YoY). On the balance sheet, PFS closed FY2025 with $24.98B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $73.1M | $291.0M | $442.3M | $430.7M | $24.98B | — |
| FY2024 (FY) | 2024-12-31 | $68.3M | $116.0M | $426.4M | $425.1M | $24.05B | — |
| FY2023 (FY) | 2023-12-31 | $57.5M | $128.0M | $173.4M | $173.4M | — | — |
As of 2026-11-01, Provident Financial Services Inc (NYSE: PFS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $23.17 (+0.22% 1D, market cap $3.02B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PFS ranks #427 in composite RQD confidence.
Within the Financials sector (Savings Institutions), PFS carries a Roarable C (62/100 RQD), trailing P/E of 10.4x, gross margin of —, and ROIC of 10.3%. By comparison, BKU (BankUnited Inc.) holds a C+ grade (68/100 RQD, P/E 11.5x, ROIC 8.8%, cap $3.09B) and CLBK (Columbia Financial Inc.) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $2.89B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).
Per PFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001178970), Provident Financial Services Inc generated $73.1M in revenue (+7.1% YoY), $291.0M in net income, and $430.7M in free cash flow against $24.98B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
PFS last traded at $23.17 (+0.22% on volume of 770,915 shares), positioning the stock +1.31% above its 50-day simple moving average ($22.87) and +2.34% above its 200-day simple moving average ($22.64). Across its 52-week range of $17.71 to $25.49, PFS sits at the 70.2% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($22.31 to $24.03).
Why PFS Stock advanced +0.22% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
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