Financial Services
Live Price
Offline$22.72
+0.49% today
1Y Change
+40.33%
Window
Jun 20, 2025 → Jun 18, 2026
Coverage: 250 bars · Jun 20, 2025 → Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Provident Financial Services, Inc. (PFS) is a Financial Services stock with a market cap of $2.92B and listed on NYSE. The stock last traded around $22.72 and up 40.3% across the available one-year price window (Jun 20, 2025 → Jun 18, 2026). Baseline metrics include revenue growth of +21.3%, EPS growth of +112.4%, a dividend yield of 4.3%. What stands out right now is revenue +21.3%, EPS +112.4%, free cash flow +1.3% with operating margin 30.5% and ROIC 6.9%. The dividend matters to the case here, with a current yield around 4.3%. Valuation is more restrained than many high-expectation growth names at P/E 9.5 and price/sales 2.1. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines PFS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFS
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PFS Max Drawdown
-15.38%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PFS and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$489.1M
-11.7% YoY
FY Net Income
$167.9M
-4.4% YoY
Free Cash Flow
$143.0M
-25.1% YoY
Revenue Growth
+21.3%
EPS Growth
+112.4%
Gross Margin
63.4%
Net Margin
21.9%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.4B | 1.1B | 696M | 554M | 489M |
| Gross Profit | 867M | 607M | 451M | 500M | 476M |
| Operating Income | 408M | 150M | 176M | 240M | 227M |
| EBITDA | 408M | 204M | 198M | 264M | 250M |
| Net Income | 291M | 116M | 128M | 176M | 168M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 211M | 206M | 180M | 186M | 712M |
| Total Assets | 25.0B | 24.1B | 14.2B | 13.8B | 13.8B |
| Total Liabilities | 22.1B | 21.5B | 12.5B | 12.2B | 12.1B |
| Shareholder Equity | 2.8B | 2.6B | 1.7B | 1.6B | 1.7B |
| Total Debt | 2.5B | 2.4B | 1.5B | 1.3B | 637M |
| Net Debt | 2.3B | 2.2B | 1.4B | 1.2B | -75M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
157M
-21.7% YoY
Capital Expenditures
14M
-46.7% YoY
Free Cash Flow
143M
-25.1% YoY
Key ratios
Gross Margin
63.4%
Operating Margin
30.5%
Net Margin
21.9%
ROE
11.0%
Debt / Equity
1.01x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.