📊 PFS Key Takeaways
Is Provident Financial Services Inc. (PFS) a Good Investment?
PFS exhibits severely impaired core business fundamentals with a catastrophic 94.3% YoY revenue decline, indicating structural deterioration in the primary lending/deposit operations. Elevated profitability metrics appear driven by non-operating gains rather than sustainable business performance, while weak interest coverage (2.3x) and depleted cash position ($209.1M on $25B assets) raise financial stability concerns for a savings institution.
Why Buy Provident Financial Services Inc. Stock? PFS Key Strengths
- Substantial operating cash flow generation of $442.3M with healthy free cash flow conversion
- Conservative leverage with 0.00x debt/equity ratio and minimal long-term debt burden
- Adequate equity cushion at 11.2% of total assets provides moderate capital adequacy
PFS Stock Risks: Provident Financial Services Inc. Investment Risks
- Catastrophic 94.3% YoY revenue collapse indicates severe impairment of core lending/deposit business
- Interest coverage ratio of only 2.3x is dangerously low for a financial institution and limits debt servicing capacity
- Profitability metrics appear distorted by one-time gains; unsustainable business model suggested by operating income exceeding revenue
- Critically low cash position of $209.1M relative to $25B asset base creates liquidity vulnerability
Key Metrics to Watch
- Net interest income trend and deposit base stability
- Composition and sustainability of operating gains driving reported profitability
- Loan loss provisions and asset quality indicators in next filing
- Cash position recovery and liquidity ratios
Provident Financial Services Inc. (PFS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 589.2% 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. appears fundamentally strong 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $13.8M | $32.0M | $0.43 |
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
❓ Frequently Asked Questions about PFS
What is the AI rating for PFS?
Provident Financial Services Inc. (PFS) has an AI rating of STRONG SELL with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PFS's key strengths?
Claude: Substantial operating cash flow generation of $442.3M with healthy free cash flow conversion. Conservative leverage with 0.00x debt/equity ratio and minimal long-term debt burden.
What are the risks of investing in PFS?
Claude: Catastrophic 94.3% YoY revenue collapse indicates severe impairment of core lending/deposit business. Interest coverage ratio of only 2.3x is dangerously low for a financial institution and limits debt servicing capacity.
What is PFS's revenue and growth?
Provident Financial Services Inc. reported revenue of $73.1M.
Does PFS pay dividends?
Provident Financial Services Inc. pays dividends, with $125.9M 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 $2.23.
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 rating reflects both perspectives for balanced insights.
Is PFS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Provident Financial Services Inc. has a STRONG SELL rating with 78% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PFS stock overvalued or undervalued?
Valuation metrics for PFS: ROE of 10.3% (sector avg: 12%), net margin of 398.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PFS stock in 2026?
Our dual AI analysis gives Provident Financial Services Inc. a combined STRONG SELL rating 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 $442.3M, with capital expenditures of $11.5M. FCF margin is 589.2%.
How does PFS compare to other Finance stocks?
Vs Finance sector averages: Net margin 398.3% (avg: 25%), ROE 10.3% (avg: 12%), current ratio N/A (avg: 1.2).