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. The company's deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. Its loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. The company also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, it provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, the company sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. As of December 31, 2021, it operated 96 full-service branch offices in northern and central New Jersey, as well as in Pennsylvania and New York counties. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

Provident Financial Services, Inc.

Provident Bank provides a range of financial services including personal checking, savings accounts, home loans, commercial loans, and various insurance products. They also offer wealth management and educational resources for financial wellness.

Metric
Company Name	Provident Financial Services, Inc.
Symbol	PFS
MSH ID	BANK:PROVIDENT
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	1.11K
Website	provident.bank
LinkedIn
Founders

Metric
Market Cap	1.96B
Enterprise Value
Monthly Web Traffic	8.06K
Web Traffic Growth	-0.31
Valuation
Raised Capital

Metric
Revenue	695.65M
Revenue (LTM)
Revenue (NTM)
Gross Profit	648.25M
EBITDA	2.95M
Operating Income	563.60M
Net Income	128.40M
EPS	1.72
Diluted EPS	1.71
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.95
Operating Profit Margin	0.49
EBITDA Margin	0.00
Net Profit Margin	0.23
Return on Equity	0.08
Return on Assets	0.01
Return on Capital Employed	0.04

BANK:PROVIDENT

Provident Bank

Last Close

20.85

22/11 21:00

Market Cap

1.96B

Beta: -

Volume Today

569.95K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	7.85
P/B Ratio	0.73
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	4.01
EV Multiple	5.66

Metric
Days Sales Outstanding	40.95
Days Payables Outstanding
Days Inventory Outstanding	1.53K
Operating Cycle	1.58K
Cash Conversion Cycle	1.58K
Asset Turnover	0.04

Metric
Operating Cash Flow	173.40M
Free Cash Flow	165.91M
Cash Flow to Debt	0.08
Operating Cash Flow/Sales	0.31
Free Cash Flow Yield	0.14

Metric
Cash & Equivalents	180.25M
Accounts Receivable	-7.06M
Inventory	121.28M
Goodwill	443.62M
Debt to Capitalization	0.65
Debt to Assets	0.14
Current Ratio
Quick Ratio	0.24

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02
R&D to Revenue
SG&A to Revenue	0.30