Stocks · Financial Services · Banks - Regional
Provident Financial Services, Inc. PFS
$22.58 +1.03% Close, Oct 2, 2026 · NYSE · Market cap $2.94B
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +8.2%).
- Net debt is 9.4× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $2.40, up 35.6% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 49%
- EPS growth (TTM, YoY)Top 31%
- FCF growth (TTM, YoY)Bottom 14%
- Revenue growth, 3-year CAGRTop 12%
- Revenue growth accelerationBottom 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 32%
- Gross marginBottom 45%
- Operating marginTop 30%
- Cash conversion (OCF / net income)Top 48%
- Accruals (lower is better)Bottom 47%
- Net debt / EBITDA (lower is better)Bottom 14%
- Interest coverBottom 43%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 14%
- Free-cash-flow yieldTop 25%
- EBITDA / enterprise valueBottom 49%
- Sales / enterprise valueBottom 21%
- P/E vs own 5-year history (lower is better)Top 22%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 34%
- 6-month returnTop 49%
- 1-year return vs S&P 500Top 36%
- Distance from 52-week highBottom 46%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 34%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyTop 34%
- Upside to consensus price targetTop 43%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 38%
- Maximum drawdown, 3 yearsBottom 39%
- Beta vs S&P 500 (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Bottom 14%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 14.8% | 7.0% | ↓ |
| EPS growth (YoY) | 111.7% | 35.6% | ↓ |
| Gross margin | 58.3% | 63.2% | ↑ |
| Operating margin | 25.0% | 28.8% | ↑ |
| FCF margin | 44.9% | 26.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.0% | 14.8% | ↓ | Top 49% |
| EPS growth (TTM, YoY) | 35.6% | 111.7% | ↓ | Top 31% |
| Gross margin | 63.2% | 58.3% | ↑ | Bottom 45% |
| Operating margin | 28.8% | 25.0% | ↑ | Top 30% |
| Net margin | 22.7% | 17.9% | ↑ | — |
| Free-cash-flow margin | 26.3% | 44.9% | ↓ | — |
| Return on invested capital | 4.5% | — | Top 32% | |
| Revenue growth, 3-year CAGR | 35.6% | — | Top 12% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.18×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -1.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 9.38×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.23%
- Net buyback yield (TTM)
- 0.32%
- Shareholder yield
- 4.54%
- Share count change, 1 year
- -0.0%
- Share count change, 3-year CAGR
- +20.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +8.2%
- Average 2-day reaction, last 8
- -0.1%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $26.50
- Target vs current price
- +17.4%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 60%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +6.2% | -0.4% | +4.6% | -2.9% | — |
| Apr 29, 2026 | +10.9% | -2.5% | -2.0% | -3.6% | +3.9% |
| Jan 27, 2026 | +14.3% | +1.2% | +10.2% | +6.4% | +9.1% |
| Oct 29, 2025 | +1.3% | -1.9% | -3.3% | +2.9% | +8.9% |
| Jul 24, 2025 | +10.8% | +0.4% | +1.0% | +3.4% | -2.1% |
| Apr 24, 2025 | +5.9% | +3.1% | +0.0% | +2.5% | +12.4% |
| Jan 28, 2025 | -26.0% | +0.2% | -4.8% | -6.3% | -14.5% |
| Oct 29, 2024 | -23.4% | -0.6% | -4.0% | +12.1% | -0.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.60 | $0.57 | +6.2% | $235.0M |
| Apr 29, 2026 | $0.61 | $0.55 | +10.9% | $225.2M |
| Jan 27, 2026 | $0.64 | $0.56 | +14.3% | $225.0M |
| Oct 29, 2025 | $0.55 | $0.54 | +1.3% | $221.8M |
| Jul 24, 2025 | $0.55 | $0.50 | +10.8% | $214.2M |
| Apr 24, 2025 | $0.50 | $0.47 | +5.9% | $208.8M |
| Jan 28, 2025 | $0.37 | $0.50 | -26.0% | $165.5M |
| Oct 29, 2024 | $0.36 | $0.47 | -23.4% | $179.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.4× | 10.1× | 24th | Top 14% |
| P/E (forward) | 9.2× | — | — | — |
| EV / EBITDA | 15.4× | — | — | Bottom 49% |
| EV / Sales | 5.44× | — | — | Bottom 21% |
| Free-cash-flow yield | 12.33% | — | — | Top 25% |
| Earnings yield | 10.63% | — | — | Top 14% |
P/E over the past five years
Range 6.6× – 20.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +16.6%
- Earnings per share growth (TTM)
- +35.6%
- Change in P/E multiple
- +0.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 1
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- +1.5%
- Distance from 50-day average
- -4.6%
- Distance from 200-day average
- +0.7%
- RSI (14)
- 41.6
- Relative volume
- 1.07×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.6%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.82
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -10.7%
- Maximum drawdown, 3 years
- -32.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 7, 2022 | Jun 25, 2024 | -49.2% | 617 days | Not yet recovered |
| May 17, 2021 | Jul 22, 2021 | -18.0% | 46 days | 75 days (Nov 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.94B
- P/E (TTM)
- 9.4
- EPS, diluted (TTM)
- $2.40
- Revenue (TTM)
- $1.38B
- Dividend yield
- 4.25%
- 52-week range
- $17.69 – $25.49
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $489.1M | $554.0M | $695.6M | $1.14B | $1.38B |
| Gross profit | $475.7M | $500.3M | $451.1M | $607.2M | $866.8M |
| Operating income | $227.1M | $240.1M | $175.8M | $149.6M | $408.2M |
| Net income | $167.9M | $175.6M | $128.4M | $115.5M | $291.2M |
| EPS (diluted) | $2.19 | $2.35 | $1.71 | $1.05 | $2.23 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $318.2M | $295.8M | $332.4M | $343.4M | $353.7M | $353.1M | $346.5M | $326.6M |
| Net income | $46.4M | $48.5M | $64.0M | $72.0M | $71.7M | $83.4M | $79.4M | $78.1M |
| EPS (diluted) | $0.36 | $0.37 | $0.49 | $0.55 | $0.55 | $0.64 | $0.61 | $0.60 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $156.8M | $200.3M | $173.4M | $426.4M | $442.3M |
| Capital expenditure | -$13.8M | -$9.4M | -$7.5M | -$1.3M | -$11.5M |
| Free cash flow | $143.0M | $190.9M | $165.9M | $425.1M | $430.7M |
| Dividends paid | -$71.5M | -$72.0M | -$72.4M | -$101.0M | -$125.9M |
| Net share buybacks | -$20.7M | -$46.5M | -$888,000 | -$1.3M | -$2.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.51B
- Total assets
- $25.66B
- Total liabilities
- $22.76B
- Total debt
- $4.79B
- Net debt
- $4.56B
- Shareholders’ equity
- $2.91B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.24 | Aug 28, 2026 |
| May 15, 2026 | $0.24 | May 29, 2026 |
| Feb 13, 2026 | $0.24 | Feb 27, 2026 |
| Nov 14, 2025 | $0.24 | Nov 28, 2025 |
| Aug 15, 2025 | $0.24 | Aug 29, 2025 |
| May 16, 2025 | $0.24 | May 30, 2025 |
| Feb 14, 2025 | $0.24 | Feb 28, 2025 |
| Nov 15, 2024 | $0.24 | Nov 29, 2024 |
Short interest
- Shares sold short
- 6,148,575
- Days to cover
- 8.44
- Change vs previous report
- +13.4%
FINRA short interest, settlement date Sep 15, 2026.