Provident Financial Services Inc (PFS) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Provident Financial Services Inc (NYSE: PFS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $22.94 (-0.99% 1D, market cap $3.02B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PFS ranks #185 in composite RQD confidence.
Within the Financials sector (Savings Institutions), PFS carries a Roarable C+ (68/100 RQD), trailing P/E of 10.4x, gross margin of —, and ROIC of 10.3%. By comparison, BKU (BankUnited Inc.) holds a D+ grade (54/100 RQD, P/E 11.5x, ROIC 8.8%, cap $3.09B) and CLBK (Columbia Financial Inc.) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $2.89B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).
Per PFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001178970), Provident Financial Services Inc generated $73.1M in revenue (+7.1% YoY), $291.0M in net income, and $430.7M in free cash flow against $24.98B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
FRED Regime × Technicals: 67% of 52W Range • RSI-14 at 58.6 (BULLISH MOMENTUM)
Capital intensity & 0% operating margin leave 8 pts on the table
Even with a 68/100 (C+) score, PFS faces multiple-compression risk if 10.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.86) or 200D SMA ($22.65) invalidates the momentum regime and cuts Target Base ($23.97) toward Bear Floor ($18.70).
Provident Financial Services Inc (PFS) slipped -0.99% to $22.94, trading at 67% of its 52-week range ($17.71 – $25.49). Solid steady margins (10% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
Yahoo! Finance Canada report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
StockStory report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Provident Financial Services has delivered a share price that has moved sharply over recent years, so the obvious question for you now is whether the current valuation is supported by the returns the business earns on it
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PFS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PFS. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Provident Financial Services Inc (PFS) ranks #185 by composite RQD confidence (68/100, grade C+) and #366 by equity capitalization ($3.02B). Within this direct 5-issuer industry benchmark cohort, PFS leads on earnings valuation at 10.4x trailing P/E, while PFS leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. EBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PFS at 68/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PFS
ACTIVE
Provident Financial Services Inc | C+ | 68/100 | 10.4x | — | 10.3% | -0.99% | $3.02B | Benchmark Subject |
| BKU BankUnited Inc. | D+ | 54/100 | 11.5x | — | 8.8% | -0.92% | $3.09B | /bku-vs-pfs → |
| CLBK Columbia Financial Inc. | D+ | 52/100 | — | — | — | +2.89% | $2.89B | /clbk-vs-pfs → |
| TFSL TFS Financial Corporation | D+ | 52/100 | 51.7x | — | 4.8% | -1.97% | $4.70B | /tfsl-vs-pfs → |
| EBC Eastern Bankshares Inc. | C+ | 69/100 | 58.6x | — | 0.7% | -1.10% | $5.17B | /ebc-vs-pfs → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Provident Financial Services Inc (PFS) reported GAAP revenue of $73.1M (+7.1% vs. FY2024 revenue of $68.3M , and +27.1% cumulative change since FY2023) , GAAP net income of $291.0M, operating cash flow of $442.3M, and free cash flow of $430.7M (+1.3% YoY). On the balance sheet, PFS closed FY2025 with $24.98B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $73.1M | $291.0M | $442.3M | $430.7M | $24.98B | — |
| FY2024 (FY) | 2024-12-31 | $68.3M | $116.0M | $426.4M | $425.1M | $24.05B | — |
| FY2023 (FY) | 2023-12-31 | $57.5M | $128.0M | $173.4M | $173.4M | — | — |
As of 2026-11-02, Provident Financial Services Inc (NYSE: PFS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $22.94 (-0.99% 1D, market cap $3.02B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PFS ranks #185 in composite RQD confidence.
Within the Financials sector (Savings Institutions), PFS carries a Roarable C+ (68/100 RQD), trailing P/E of 10.4x, gross margin of —, and ROIC of 10.3%. By comparison, BKU (BankUnited Inc.) holds a D+ grade (54/100 RQD, P/E 11.5x, ROIC 8.8%, cap $3.09B) and CLBK (Columbia Financial Inc.) posts a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $2.89B). Among the 5-stock peer group, PFS leads on earnings multiple (10.4x) while PFS leads on capital efficiency (10.3% ROIC).
Per PFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001178970), Provident Financial Services Inc generated $73.1M in revenue (+7.1% YoY), $291.0M in net income, and $430.7M in free cash flow against $24.98B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
PFS last traded at $22.94 (-0.99% on volume of 955,976 shares), positioning the stock +0.35% above its 50-day simple moving average ($22.86) and +1.28% above its 200-day simple moving average ($22.65). Across its 52-week range of $17.71 to $25.49, PFS sits at the 67.2% percentile with a 14-day RSI of 58.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.6% ($22.11 to $23.77).
Why PFS Stock slipped -0.99% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, PFS scores 68 out of 100 with a letter grade of C+, labeled "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 12/20 (ROIC 10.3%; FCF yield 14.25%), Whale 13F Flow at 13/20 (institutional accumulation and options positioning), Insider Conviction at 16/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 14/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5). The strongest pillar is insider conviction, which is the only pillar above 80% of its maximum. The weakest relative pillar is the Fundamental Cash Engine, where the reported FCF yield is high but the pillar score is held down by the reported ROIC level. For a prospective investor, the rating points to a neutral near-term posture with an identified breakout watch rather than a clear conviction setup. The FCF yield figure is an upside driver if it persists, but it sits alongside a reported net margin figure and revenue figures that are not directly comparable across periods in the source data, so the cash-generation case should be verified before it is relied upon. Valuation signals (P/E 10.4 TTM, forward P/E 9.7) are moderate and do not on their own indicate a deep discount.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $73.1M | $0.0M | $291.0M | N/A | $430.7M | $209.1M | N/A |
| FY 2024 | $68.3M | $0.0M | $116.0M | N/A | $425.1M | $205.9M | N/A |
| FY 2023 | $57.5M | $0.0M | $128.0M | N/A | $173.4M | N/A | N/A |
Per the SEC financials, net income rose from $116.0M in FY 2024 to $291.0M in FY 2025, while reported FCF moved from $425.1M to $430.7M over the same period. Per the market data, the net margin is listed as 68%, while gross and operating margins are each listed as 0%, which does not reconcile with the reported revenue and income figures and should be treated with caution. Per the Roarable RQD rating, ROIC is 10.3% and the Altman Z-Score is 2.5, the Piotroski F-Score is 6/9, and Debt/Equity is 0.5. Debt figures are not reported in the financials, so the balance sheet posture relies on the rating's forensic inputs rather than line-item debt.
Real-time company headlines, analyst actions, and sector developments for Provident Financial Services Inc (PFS) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
StockStory report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Provident Financial Services Inc (PFS) market action, institutional positioning, and fundamental catalysts.
Welcome to the PFS (Provident Financial Services Inc) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on PFS, but look at what you are paying: 10.4x trailing P/E with tightening sector spreads. Unless Provident Financial Services Inc expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on PFS, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $23.17 (52-wk range $17.71 - $25.49), any beat on forward guidance forces shorts and underweight funds to chase.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).