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Provident Financial Services, Inc. (PFS)

Financial Services | Banks - Regional | Jersey City, United States | NYSE
21.96 USD -0.08 (-0.363%) ⇩ (Oct. 14, 2026, 4 p.m. EDT)
After hours: 21.96

Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 7:57 a.m. EDT

Provident Financial Services presents a compelling value case for patient capital, trading at a discount to book value with a robust 4.37% yield and a sustainable payout ratio. The business fundamentals are sound, evidenced by healthy operating margins and consistent revenue growth, though the stock has suffered a structural decline over the last decade, leaving it priced for perfection. While the statistical forecast model shows a flat, low-confidence signal for the immediate future, the options market is telling a different story, with heavy call buying at the $25 strike suggesting a collective bet on a recovery rally. The short-term outlook remains neutral due to the lack of immediate technical momentum, but the long-term thesis is solid: the company is fundamentally resilient, undervalued, and supported by a reliable dividend, making it a suitable core holding for investors willing to wait for the market to recognize its fair value.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.035228
AutoETS0.035544
AutoARIMA0.035857
AutoTheta0.040345

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 49%
H-stat 4.31
Ljung-Box p 0.000
Jarque-Bera p 0.424
Excess Kurtosis -0.90
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-13
Last Dividend Date 2026-08-13
Revenue per Share 6.854
Market Cap 2,864,080,640
Trailing P/E 9.15
Forward P/E 8.50
Beta 0.82
Profit Margins 34.97%
Website https://www.provident.bank

As of Oct. 10, 2026, 7:57 a.m. EDT: Speculator positioning is heavily skewed toward calls, with significant open interest and volume concentrated at the $25 strike for both near-term and longer-dated expirations. This suggests a bullish bias targeting a 12-15% upside move. Conversely, put activity is sparse and focused on deep out-of-the-money strikes ($15-$17.50), indicating limited hedging demand against a crash but some speculative bets on a deeper decline. Implied volatility is elevated for near-term contracts, reflecting uncertainty around the upcoming earnings catalyst.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.97% 4.43% 5.22% 4.95%
Dividend History
Date Dividend Yield %
2026-08-14 0.24 0.974026
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
dividendYield 4.36
exDividendDate 2026-08-14
trailingAnnualDividendRate 0.48
trailingAnnualDividendYield 0.021778584
lastDividendValue 0.24
lastDividendDate 2026-08-14
dividendDate 2026-08-28

Info Dump

Attribute Value
52 Week Change 0.22818792
Address1 239 Washington Street
All Time High 29.12
All Time Low 7.81
Ask 0.0
Ask Size 300
Audit Risk 2
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 910,550
Average Daily Volume3 Month 903,304
Average Volume 903,304
Average Volume10Days 910,550
Beta 0.824
Bid 0.0
Bid Size 600
Board Risk 6
Book Value 22.289
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 21.96
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 22.065
Day Low 21.67
Display Name Provident Financial Services
Dividend Date 1,787,875,200
Dividend Yield 4.36
Earnings Call Timestamp End 1,793,304,000
Earnings Call Timestamp Start 1,793,304,000
Earnings Growth 0.09
Earnings Quarterly Growth 0.086
Earnings Timestamp 1,793,217,600
Earnings Timestamp End 1,793,217,600
Earnings Timestamp Start 1,793,217,600
Ebitda Margins 0.0
Enterprise To Revenue 6.163
Enterprise Value 5,511,293,440
Eps Current Year 2.45833
Eps Forward 2.58333
Eps Trailing Twelve Months 2.4
Esg Populated 0
Ex Dividend Date 1,786,665,600
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 23.2876
Fifty Day Average Change -1.3276005
Fifty Day Average Change Percent -0.057008903
Fifty Two Week Change Percent 22.818792
Fifty Two Week High 25.49
Fifty Two Week High Change -3.5300007
Fifty Two Week High Change Percent -0.13848571
Fifty Two Week Low 17.69
Fifty Two Week Low Change 4.2699986
Fifty Two Week Low Change Percent 0.24137922
Fifty Two Week Range 17.69 - 25.49
Financial Currency USD
First Trade Date Milliseconds 1,042,727,400,000
Five Year Avg Dividend Yield 4.83
Float Shares 126,327,348
Forward Eps 2.58333
Forward P E 8.500656
Full Exchange Name NYSE
Full Time Employees 1,817
Fullday Change -0.099998474
Fullday Change Percent -0.4516643
Fullday Price 21.96
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 894,275,008
Has Pre Post Market Data 1
Held Percent Insiders 0.02779
Held Percent Institutions 0.77661
Implied Shares Outstanding 130,422,618
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,786,665,600
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 2,864,080,640
Market State PREPRE
Max Age 86,400
Message Board Id finmb_3216960
Most Recent Quarter 1,782,777,600
Net Income To Common 312,716,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 2,954,072,297
Number Of Analyst Opinions 6
Open 21.7
Operating Cashflow 370,478,016
Operating Margins 0.5227
Overall Risk 4
Payout Ratio 0.4
Peg Ratio 1.61
Phone 732 590 9200
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 21.96
Post Market Time 1,792,008,605
Previous Close 22.04
Price Eps Current Year 8.932894
Price Hint 2
Price To Book 0.9852393
Price To Sales Trailing12 Months 3.2026844
Profit Margins 0.34969002
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change -0.0800018
Regular Market Change Percent -0.362985
Regular Market Day High 22.065
Regular Market Day Low 21.67
Regular Market Day Range 21.67 - 22.065
Regular Market Open 21.7
Regular Market Previous Close 22.04
Regular Market Price 21.96
Regular Market Time 1,792,008,002
Regular Market Volume 1,762,418
Return On Assets 0.012460001
Return On Equity 0.1114
Revenue Growth 0.038
Revenue Per Share 6.854
Sand P52 Week Change 0.1570785
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 130,422,618
Shares Percent Shares Out 0.045100003
Shares Short 5,884,367
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 5,419,966
Short Name Provident Financial Services, I
Short Percent Of Float 0.0637
Short Ratio 6.92
Source Interval 15
State NJ
Symbol PFS
Target High Price 30.0
Target Low Price 25.0
Target Mean Price 27.75
Target Median Price 28.25
Total Cash 344,014,016
Total Cash Per Share 2.638
Total Debt 2,991,226,880
Total Revenue 894,275,008
Tradeable 0
Trailing Annual Dividend Rate 0.48
Trailing Annual Dividend Yield 0.021778584
Trailing Eps 2.4
Trailing P E 9.15
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 22.4703
Two Hundred Day Average Change -0.5103016
Two Hundred Day Average Change Percent -0.022710048
Type Disp Equity
Volume 1,762,418
Website https://www.provident.bank
Zip 7,302