PFS

Provident Financial Services, Inc.

Financial Services · $3.0B market cap

Verdict

Share price

$22.58

close of Oct 3, 2026

Fair value

$31.49

Sticker Price

Payback Price

$12.60

buy price

Undervalued

PFS is Undervalued: at $22.58 it trades 28% below its fair value of $31.49. Its buy price (Payback Price) is $12.60, 44% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth9.4% a year✗
Equity per share growth2.3% a year✗
Sales growth5.0% a year✗
Free cash flow growth7.2% a year✗
Return on invested capital1.2%✗

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Insider activity

Since Jun 12, 2026: no open-market purchases, 4 sales worth $1.9M and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About Provident Financial Services, Inc.

Provident Financial Services, Inc. functions as the parent company for Provident Bank, delivering a broad spectrum of financial products and services to individuals, families, and businesses across the United States. Its deposit offerings encompass various account types, including savings, standard and interest-bearing checking accounts, money market accounts, certificates of deposit, and IRA products. The company's…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works