US · PFS
Provident Financial Services, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Jersey City, NJ 07302
- Website
- provident.bank
Price · as of 2025-12-31
$22.38
Market cap 2.75B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $28.64 | +27.97% |
| Intrinsic Value(DCF) | $126.22 | +463.99% |
| Graham-Dodd Method(GD) | $32.85 | +46.78% |
| Graham Formula(GF) | $63.35 | +183.07% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $7.66 | $18.02 | $14.57 | $8.51 | $5.31 |
| 2012 | $8.82 | $20.56 | $16.73 | $6.20 | $8.67 |
| 2013 | $11.24 | $21.57 | $16.58 | $9.19 | $6.48 |
| 2014 | $11.44 | $20.74 | $16.70 | $9.57 | $19.24 |
| 2015 | $12.38 | $19.55 | $16.10 | $9.27 | $21.25 |
| 2016 | $17.03 | $25.20 | $16.67 | $9.41 | $15.18 |
| 2017 | $18.03 | $26.91 | $17.16 | $7.10 | $20.52 |
| 2018 | $18.85 | $28.57 | $18.02 | $11.32 | $32.61 |
| 2019 | $14.49 | $30.78 | $18.90 | $7.19 | $20.84 |
| 2020 | $18.62 | $37.61 | $20.72 | $9.69 | $11.60 |
| 2021 | $19.11 | $43.48 | $15.12 | $13.35 | $43.48 |
| 2022 | $17.57 | $39.85 | $19.83 | $12.74 | $48.81 |
| 2023 | $13.76 | $34.73 | $19.99 | $10.72 | $55.96 |
| 2024 | $16.37 | $39.28 | $150.16 | $9.49 | $73.05 |
| 2025 | $21.50 | $28.64 | $436.26 | $32.85 | $63.35 |
AI valuation
Our deep-learning model estimates Provident Financial Services, Inc.'s (PFS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $28.64
- Current price
- $22.38
- AI upside
- +27.97%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$126.22
+463.99% upside
Graham-Dodd
$32.85
+46.78% upside
Graham Formula
$63.35
+183.07% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PFS | Provident Financial Servi… | $22.38 | 2.75B | +28% | +464% | +47% | +183% | 9.64 | 0.99 | 2.03 | 4.78 | 8.58 | 1.37 | 62.69% | 29.52% | 21.06% | 10.72% | 14.47% | 1.19% | 0.89 | 0.80 | — | — | 5.65 | 11238.00% | 2125.00% | 133.00% | 15.34% | — | 21.41% | 0.00% | 0.00% | 0.00% | 4.78 | 4.53 | 1.41 | 0.42 |
| BANR | Banner Corporation | $58.85 | 2.01B | -15% | -6% | -24% | -30% | 10.57 | 1.06 | 2.52 | 8.76 | 67.87 | 1.31 | 79.04% | 29.45% | 23.84% | 10.50% | 10.00% | 1.20% | 0.19 | 1.11 | 0.02 | 0.02 | 0.75 | 1557.00% | -95.00% | -5127.00% | 6.59% | 0.01 | 6.90% | 3.27% | 34.60% | 4.80% | 9.17 | 16.25 | 2.70 | -0.76 |
| CVBF | CVB Financial Corp. | $19.23 | 2.61B | +72% | -10% | -3% | -54% | 12.86 | 1.17 | 4.18 | 3.17 | 231.49 | 1.77 | 79.87% | 43.78% | 32.53% | 9.34% | 13.19% | 1.36% | 0.43 | 2.12 | 0.23 | 0.23 | 3.13 | 556.00% | -233.00% | -2007.00% | 7.26% | 0.02 | 12.32% | 0.00% | 0.00% | 0.00% | 3.17 | 4.56 | 1.39 | -0.48 |
| FFBC | First Financial Bancorp. | $28.07 | 2.94B | +24% | +2% | -43% | +4% | 10.47 | 0.97 | 2.12 | -0.83 | 96.64 | 1.73 | 68.43% | 25.51% | 20.30% | 9.82% | -3313.74% | 1.29% | 0.43 | 0.89 | 0.28 | 0.28 | 2.94 | 1083.00% | 275.00% | 3153.00% | 11.85% | 0.02 | -4111.03% | 3.54% | 37.00% | 3.54% | -0.89 | -0.90 | -0.23 | -0.41 |
| NBTB | NBT Bancorp Inc. | $42.72 | 2.23B | -20% | +70% | -40% | +52% | 11.91 | 1.06 | 2.32 | 1.34 | 95.27 | 1.45 | 72.14% | 25.30% | 19.51% | 9.89% | 19.95% | 1.14% | 0.17 | 1.05 | 13.83 | 13.83 | 0.65 | 1250.00% | 1036.00% | -4040.00% | 5.23% | 0.71 | 12.43% | 3.60% | 42.90% | 3.60% | 1.34 | 2.80 | 0.34 | 0.33 |
| SFNC | Simmons First National Co… | $19.91 | 2.88B | -0% | -22% | — | +542% | -7.32 | 0.85 | 4.65 | 0.20 | — | 1.45 | 5.80% | -84.18% | -63.43% | -11.44% | -26.44% | -1.55% | 0.19 | -1.01 | 0.86 | 0.86 | -0.55 | -34380.00% | -5666.00% | 814.00% | 14.13% | 0.10 | 27.36% | 3.95% | -28.90% | 10.83% | 0.18 | -0.23 | -0.15 | 0.06 |
| TOWN | TowneBank | $34.26 | 2.62B | +64% | -14% | +2% | -57% | 15.65 | 1.10 | 2.63 | 13.18 | 560.69 | 1.53 | 69.58% | 20.86% | 16.82% | 7.43% | 9.56% | 0.92% | 0.15 | 0.74 | 0.10 | 0.02 | 0.56 | 279.00% | -161.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.18 | — | 2.75 | -0.48 |
| TRMK | Trustmark Corporation | $42.59 | 2.55B | -37% | +160% | -21% | +261% | 11.68 | 1.23 | 2.34 | 3.65 | 605.87 | 1.47 | 70.96% | 25.51% | 20.01% | 10.98% | 36.00% | 1.21% | 0.53 | 0.91 | 0.73 | 0.73 | 1.38 | 193.00% | 3475.00% | 16256.00% | 8.86% | 0.07 | 37.25% | 2.23% | 26.10% | 5.29% | 4.16 | 5.13 | 1.06 | 0.29 |
| WAFD | WaFd, Inc. | $31.16 | 2.38B | +7% | +11% | -9% | -40% | 11.31 | 0.84 | 1.81 | 3.68 | 217.42 | 0.98 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 8.15% | 0.01 | 14.12% | 3.88% | 43.90% | 7.87% | 3.80 | 5.29 | 0.78 | -0.62 |
| WAL | Western Alliance Bancorpo… | $80.32 | 8.84B | -40% | +57% | +4% | +45% | 9.07 | 1.16 | 1.68 | -7.07 | 39.23 | 1.27 | 61.10% | 22.88% | 18.37% | 13.60% | -40.11% | 1.12% | 0.87 | 0.66 | 0.56 | 0.56 | 2.52 | 2313.00% | 517.00% | -115.00% | -31.52% | -0.06 | 113.09% | 2.09% | 18.90% | 2.86% | -7.07 | 3.06 | -1.62 | 0.00 |
About Provident Financial Services, Inc.
Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. The company's deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. Its loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. The company also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, it provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, the company sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. As of December 31, 2021, it operated 96 full-service branch offices in northern and central New Jersey, as well as in Pennsylvania and New York counties. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.
- CEO
- Anthony J. Labozzetta
- Employees
- 1.75K
- Beta
- 0.85
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($126.22 ÷ $22.38) − 1 = +463.99% (DCF, example).