📊 PFS Key Takeaways
Is Provident Financial Services Inc. (PFS) a Good Investment?
Despite positive free cash flow and zero long-term debt, the company faces severe operational stress evidenced by a catastrophic 94.3% revenue decline and a critical interest coverage ratio of 0.6x, indicating inability to service debt from operations. Additionally, minimal returns on equity (2.8%) and assets (0.3%) suggest significant capital inefficiency despite reported high operating margins.
Provident Financial Services Inc. Key Strengths (PFS)
- Positive free cash flow of $81.0M with 392.8% FCF margin
- Zero long-term debt and minimal financial leverage
- Large consolidated asset base of $25.2B provides institutional stability
- Positive net income of $79.4M despite operational challenges
PFS Stock Risks: Provident Financial Services Inc. Investment Risks
- Catastrophic 94.3% year-over-year revenue collapse indicates severe operational distress
- Interest coverage ratio of 0.6x - company cannot cover interest obligations from operating income
- Extremely low returns on equity (2.8%) and assets (0.3%) despite high reported margins
- High financial leverage with $25.2B assets against only $2.9B equity (8.7x ratio)
- Data inconsistencies (margins exceeding 100%, net income exceeding revenue) suggest potential accounting anomalies or undisclosed one-time events
Key Metrics to Watch
- Interest coverage ratio trend - must improve above 1.0x for sustainability
- Net interest income stabilization and revenue recovery trajectory
- Return on equity improvement - currently insufficient given capital base
- Regulatory capital adequacy ratios given high asset-to-equity leverage
Provident Financial Services Inc. (PFS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 392.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PFS Profit Margin, ROE & Profitability Analysis
PFS vs Finance Sector: How Provident Financial Services Inc. Compares
How Provident Financial Services Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Provident Financial Services Inc. Stock Overvalued? PFS Valuation Analysis 2026
Based on fundamental analysis, Provident Financial Services Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Provident Financial Services Inc. Balance Sheet: PFS Debt, Cash & Liquidity
PFS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Provident Financial Services Inc.'s revenue has grown significantly by 27% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.71 reflects profitable operations.
PFS Revenue Growth, EPS Growth & YoY Performance
PFS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $18.9M | $64.0M | $0.49 |
| Q3 2025 | $17.7M | $46.4M | $0.36 |
| Q2 2025 | $17.6M | -$11.5M | $-0.11 |
| Q1 2025 | $16.3M | $32.1M | $0.43 |
| Q3 2024 | $14.2M | $28.5M | $0.36 |
| Q2 2024 | $14.6M | -$11.5M | $-0.11 |
| Q1 2024 | $15.1M | $32.1M | $0.43 |
| Q3 2023 | $13.7M | $28.5M | $0.38 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Provident Financial Services Inc. Dividends, Buybacks & Capital Allocation
PFS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Provident Financial Services Inc. (CIK: 0001178970)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 28, 2026 | 4 | xslF345X06/wk-form4_1779994609.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1779994511.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1779985142.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1779981096.xml | View → |
| May 28, 2026 | 4 | xslF345X06/wk-form4_1779980204.xml | View → |
❓ Frequently Asked Questions about PFS
What is the AI rating for PFS?
Provident Financial Services Inc. (PFS) has an AI grade of C with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PFS's key strengths?
Claude: Positive free cash flow of $81.0M with 392.8% FCF margin. Zero long-term debt and minimal financial leverage.
What are the risks of investing in PFS?
Claude: Catastrophic 94.3% year-over-year revenue collapse indicates severe operational distress. Interest coverage ratio of 0.6x - company cannot cover interest obligations from operating income.
What is PFS's revenue and growth?
Provident Financial Services Inc. reported revenue of $20.6M.
Does PFS pay dividends?
Provident Financial Services Inc. pays dividends, with $31.4M distributed to shareholders in the trailing twelve months.
Where can I find PFS SEC filings?
Official SEC filings for Provident Financial Services Inc. (CIK: 0001178970) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PFS's EPS?
Provident Financial Services Inc. has a diluted EPS of $0.61.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PFS's fundamental grade?
Based on our AI fundamental analysis in May 2026, Provident Financial Services Inc. has a C grade with 65% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PFS stock overvalued or undervalued?
Valuation metrics for PFS: ROE of 2.8% (sector avg: 12%), net margin of 385.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PFS's AI grade for 2026?
Our dual AI analysis gives Provident Financial Services Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is PFS's free cash flow?
Provident Financial Services Inc.'s operating cash flow is $84.7M, with capital expenditures of $3.7M. FCF margin is 392.8%.
How does PFS compare to other Finance stocks?
Vs Finance sector averages: Net margin 385.4% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).