Provident Financial Services Inc Common Stock (PFS)

FairStock Score: 51/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the bank’s economics. Provident Financial is a regional bank holding company, and at the 2026-10-13 close it traded at $22.04, or 9.18 times earnings and 0.99 times book value in FairStock’s calculations. An 11.14% ROE with a 4.36% dividend yield and 0.82 beta suggests a reasonably profitable, income-oriented institution, though not a high-return franchise. Filed figures show FY2023 revenue of $57.5M and net income of $128.4M; FY2024 revenue of $68.3M and net income of $115.5M; and FY2025 revenue of $73.1M and net income of $291.2M. That is healthy top-line progress, but the earnings jump and prior dip make consistency a question. In fiscal Q2 2026 (quarter ended 2026-06-30), net income was $78.1M and diluted EPS $0.60, similar to fiscal Q1 2026 (quarter ended 2026-03-31) at $79.4M and $0.61. FairStock’s PEG of 0.38 and STALWART classification imply growth has not been fully reflected in the multiple. Yet a Piotroski F-Score of 5/9 is only middling. More importantly, the data does not provide CET1, net interest margin, nonperforming loans, reserves or charge-offs, so I cannot judge credit and capital risk, which is what really matters for a bank. P/B near 1 offers some asset support, but without those bank-specific measures, this is a watchlist candidate rather than a clear bargain.

In plain English: Provident Financial Services is the bank holding company for Provident Bank, serving individuals and businesses with deposits and loans. The bank is profitable and pays a solid dividend, and its shares look modestly priced compared with its earnings and accounting net worth. Still, important details about loan quality and capital strength are not available in the data, so the picture is incomplete.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer