Provident Financial Services, Inc. (PFS) Stock Score, Valuation & Financial Research
Provident Financial Services, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 61/100.
Quick answer for PFS
Provident Financial Services, Inc. currently has a Wall Street Score of 61/100. The stored market price is $23.33. Its financial score is 46/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Provident Financial Services, Inc. does
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 extensive loan portfolio features commercial real estate loans, which are collateralized by properties such as multi-family apartment complexes, office buildings, retail spaces, and industrial sites. It also provides commercial business loans, alongside fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residential properties. Further loan options include commercial construction loans and a range of consumer loans like home equity loans, home equity l
PFS financial snapshot
- Wall Street Score:
- 61/100
- Current price:
- $23.33
- Market capitalization:
- $3.04B
- Revenue:
- $1.40B
- Net income:
- $306.5M
- Free cash flow:
- $430.7M
- Cash:
- $222.1M
- Total debt:
- $2.89B
- EPS:
- 2.23
- P/E ratio:
- 10.5x
- Financial score:
- 46/100
- Valuation score:
- 97/100
- Revenue score:
- 44/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $430.7M, showing positive cash generation.
- The balance sheet shows $222.1M of cash versus $2.89B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 46/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PFS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.