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Provident Financial Services, Inc. (PFS)

Financial Services | Banks - Regional | Jersey City, United States | NYSE
23.51 USD -0.02 (-0.085%) ⇩ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take | July 11, 2026, 4:52 a.m. EDT

Provident Financial presents a compelling value case for income-focused investors, trading at a discount to book value with a robust 4.1% yield supported by a sustainable payout ratio. The business fundamentals are sound, showing double-digit revenue growth and healthy margins, yet the stock has underperformed peers recently due to management instability and a recent index exit. While the trailing twelve-month performance remains flat, the latest year saw a strong rebound, signaling a potential inflection point. The options market is clearly bullish, with heavy call positioning at the $25 strike suggesting a belief in a post-earnings rally. However, the statistical forecasting model offers no directional bias, highlighting the difficulty in predicting immediate price action amidst the noise. This creates a tension between the attractive long-term setup and the uncertain short-term path; the stock is poised for recovery but lacks the explosive momentum to justify a full aggressive entry without waiting for clearer confirmation.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.022795
AutoARIMA0.023965
AutoETS0.023965
AutoTheta0.023967
MSTL_1260.024352
MSTL_900.025870
MSTL_90_1260.039630

Forecast horizon: 60 days | Selected: MSTL

Forecast Reliability
Score 44%
H-stat 10.12
Ljung-Box p 0.000
Jarque-Bera p 0.360
Excess Kurtosis -0.85
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-14
Last Dividend Date 2026-05-14
Revenue per Share 6.789
Market Cap 3,063,674,880
Trailing P/E 10.00
Forward P/E 9.35
Beta 0.78
Profit Margins 34.60%
Website https://www.provident.bank

As of July 11, 2026, 4:52 a.m. EDT: Speculators are positioning for a modest upside move, evidenced by significant open interest in $25 calls compared to negligible put volume. Implied volatility is elevated for near-term expiration, suggesting anticipation of a catalyst around the upcoming earnings release, while longer-dated strikes show minimal hedging activity.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.12% 4.74% 5.35% 4.96%
Dividend History
Date Dividend Yield %
2026-05-15 0.24 1.118360
2026-02-13 0.24 1.045296
2025-11-14 0.24 1.294498
2025-08-15 0.24 1.279318
2025-05-16 0.24 1.371429
2025-02-14 0.24 1.286863
2024-11-15 0.24 1.121495
2024-08-16 0.24 1.328904
2024-04-26 0.24 1.590457
2024-02-08 0.24 1.586252
2023-11-09 0.24 1.670146
2023-08-10 0.24 1.343785
2023-05-11 0.24 1.603206
2023-02-09 0.24 1.011378
2022-11-09 0.24 1.092896
2022-08-11 0.24 0.977995
2022-05-12 0.24 1.100917
2022-02-10 0.24 1.012658
2021-11-10 0.24 0.941176
2021-08-12 0.23 1.027703
2021-05-13 0.23 0.909810
2021-02-11 0.23 1.184956
2020-11-12 0.23 1.590595
2020-08-13 0.23 1.647564
2020-05-14 0.23 2.031802
2020-02-13 0.23 0.992663
2019-11-14 0.23 0.924066
2019-08-14 0.23 0.995671
2019-05-14 0.23 0.905155
2019-02-14 0.43 1.600298
2018-11-14 0.21 0.852965
2018-08-14 0.21 0.828402
2018-05-14 0.20 0.748783
2018-02-14 0.20 0.778513
2017-12-07 0.15 0.545455
2017-11-14 0.20 0.762777
2017-08-11 0.20 0.818331
2017-05-11 0.19 0.763666
2017-02-13 0.19 0.724638
2016-11-10 0.18 0.732899
2016-08-11 0.18 0.882353
2016-05-11 0.18 0.925450
2016-02-10 0.17 0.935608
2015-11-10 0.17 0.820068
2015-08-12 0.16 0.829016
2015-05-13 0.16 0.877193
2015-02-11 0.16 0.877674
2014-11-12 0.15 0.826902
2014-08-13 0.15 0.889680
2014-05-13 0.15 0.880799
2014-02-12 0.15 0.907990
2013-11-13 0.15 0.802139
2013-08-13 0.14 0.800915
2013-05-13 0.14 0.915033
2013-02-13 0.13 0.857520
2012-11-13 0.13 0.947522
2012-08-13 0.13 0.846354
2012-05-11 0.13 0.899654
2012-02-13 0.12 0.845666
2011-11-10 0.12 0.967742
2011-08-11 0.12 0.972447
2011-05-12 0.12 0.849858
2011-02-11 0.11 0.735294
2010-11-10 0.11 0.797101
2010-08-12 0.11 0.976043
2010-05-12 0.11 0.821509
2010-02-10 0.11 1.076321
2009-11-12 0.11 1.062802
2009-08-13 0.11 0.927487
2009-05-13 0.11 1.187905
2009-02-11 0.11 1.068999
2008-11-12 0.11 0.759669
2008-08-13 0.11 0.738255
2008-05-13 0.11 0.696203
2008-02-13 0.11 0.852053
2007-11-13 0.11 0.675261
2007-08-13 0.11 0.737760
2007-05-11 0.10 0.596303
2007-02-13 0.10 0.546448
2006-11-13 0.10 0.545852
2006-08-11 0.10 0.554631
2006-05-11 0.10 0.566251
2006-02-13 0.09 0.495868
2005-11-09 0.09 0.496689
2005-08-10 0.08 0.448430
2005-05-11 0.08 0.458716
2005-02-09 0.07 0.394144
2004-11-09 0.06 0.321199
2004-08-11 0.06 0.350467
2004-05-12 0.06 0.333333
2004-02-11 0.06 0.310078
2003-11-12 0.05 0.250752
2003-08-13 0.05 0.250878
2003-05-13 0.04 0.217273
Additional Data
dividendRate 0.96
dividendYield 4.08
exDividendDate 2026-05-15
trailingAnnualDividendRate 0.96
trailingAnnualDividendYield 0.040798977
lastDividendValue 0.24
lastDividendDate 2026-05-15
dividendDate 2026-05-29

Info Dump

Attribute Value
52 Week Change 0.29246843
Address1 239 Washington Street
All Time High 29.12
All Time Low 7.81
Ask 23.58
Ask Size 200
Audit Risk 2
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 922,300
Average Daily Volume3 Month 1,008,183
Average Volume 1,008,183
Average Volume10Days 922,300
Beta 0.775
Bid 23.36
Bid Size 400
Board Risk 5
Book Value 21.969
City Jersey City
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 1
Country United States
Crypto Tradeable 0
Currency USD
Current Price 23.51
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 23.66
Day Low 23.411
Display Name Provident Financial Services
Dividend Date 1,780,012,800
Dividend Rate 0.96
Dividend Yield 4.08
Earnings Call Timestamp End 1,785,441,600
Earnings Call Timestamp Start 1,785,441,600
Earnings Growth 0.242
Earnings Quarterly Growth 0.24
Earnings Timestamp 1,785,355,200
Earnings Timestamp End 1,785,355,200
Earnings Timestamp Start 1,785,355,200
Ebitda Margins 0.0
Enterprise To Revenue 6.538
Enterprise Value 5,793,150,976
Eps Current Year 2.36833
Eps Forward 2.515
Eps Trailing Twelve Months 2.35
Esg Populated 0
Ex Dividend Date 1,778,803,200
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 22.7056
Fifty Day Average Change 0.8043995
Fifty Day Average Change Percent 0.03542736
Fifty Two Week Change Percent 29.246843
Fifty Two Week High 24.24
Fifty Two Week High Change -0.72999954
Fifty Two Week High Change Percent -0.030115493
Fifty Two Week Low 17.61
Fifty Two Week Low Change 5.8999996
Fifty Two Week Low Change Percent 0.33503687
Fifty Two Week Range 17.61 - 24.24
Financial Currency USD
First Trade Date Milliseconds 1,042,727,400,000
Five Year Avg Dividend Yield 4.98
Float Shares 126,167,105
Forward Eps 2.515
Forward P E 9.347912
Full Exchange Name NYSE
Full Time Employees 1,817
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 886,012,032
Has Pre Post Market Data 1
Held Percent Insiders 0.02773
Held Percent Institutions 0.76097
Implied Shares Outstanding 130,313,687
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,778,803,200
Last Dividend Value 0.24
Last Fiscal Year End 1,767,139,200
Long Business Summary Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; residential mortgage loans; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, and tax compliance and planning; and insurance agency operations. Further, it sells insurance and investment products, including annuities; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.
Long Name Provident Financial Services, Inc.
Market us_market
Market Cap 3,063,674,880
Market State PRE
Max Age 86,400
Message Board Id finmb_3216960
Most Recent Quarter 1,774,915,200
Net Income To Common 306,548,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 3,063,674,781
Number Of Analyst Opinions 6
Open 23.62
Operating Cashflow 438,400,992
Operating Margins 0.53484
Overall Risk 4
Payout Ratio 0.4085
Peg Ratio 1.61
Phone 732 590 9200
Pre Market Change 0.44999886
Pre Market Change Percent 1.9140742
Pre Market Price 23.96
Pre Market Time 1,784,031,615
Previous Close 23.53
Price Eps Current Year 9.9268265
Price Hint 2
Price To Book 1.0701443
Price To Sales Trailing12 Months 3.4578254
Profit Margins 0.34599
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change -0.0200005
Regular Market Change Percent -0.0849998
Regular Market Day High 23.66
Regular Market Day Low 23.411
Regular Market Day Range 23.411 - 23.66
Regular Market Open 23.62
Regular Market Previous Close 23.53
Regular Market Price 23.51
Regular Market Time 1,783,972,802
Regular Market Volume 550,230
Return On Assets 0.0124
Return On Equity 0.11104
Revenue Growth 0.092
Revenue Per Share 6.789
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 130,313,687
Shares Percent Shares Out 0.0511
Shares Short 6,665,050
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 6,202,129
Short Name Provident Financial Services, I
Short Percent Of Float 0.0723
Short Ratio 5.97
Source Interval 15
State NJ
Symbol PFS
Target High Price 27.0
Target Low Price 24.0
Target Mean Price 25.75
Target Median Price 26.0
Total Cash 327,340,000
Total Cash Per Share 2.512
Total Debt 3,056,816,128
Total Revenue 886,012,032
Tradeable 0
Trailing Annual Dividend Rate 0.96
Trailing Annual Dividend Yield 0.040798977
Trailing Eps 2.35
Trailing P E 10.004256
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 21.08605
Two Hundred Day Average Change 2.4239502
Two Hundred Day Average Change Percent 0.11495516
Type Disp Equity
Volume 550,230
Website https://www.provident.bank
Zip 7,302