Obermatt

Provident Services

NYQ:PFS · US74386T1051
BanksSmall

360

80
Profit price97
Cash yield93
Price/Sales55
EV / Gross Profit25
Price/Book50
Returns on capital43
Profit margins
Cash Conversion74
Accruals16
Owner Earnings Margin85
Sales growth36
Profit Growth100
Owner Earnings Growth75
Reinvestment31
Price momentum70
Debt load16
Debt serviceability85
Liquidity75
Analyst ratings75
Opinion Changes50
Price Target Upside56
Market mood77
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Provident Services clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded2002
Employees1,436
ISINUS74386T1051
Last UpdateApr 2, 2026
Themes
FinanceFinancial Services

Description

Provident Financial Services, Inc. operates as the holding company for Provident Bank (the ‘bank’) that operates full-service branch offices throughout New Jersey, Bucks, Lehigh and Northampton counties in Pennsylvania, as well as Orange, Queens and…

Analysis

Hidden champion

Provident Financial Services, Inc. fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 8.8×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
100
2023202420252026

All-time high

100

Jun 2026

All-time low

46

Jan 2026

Average rank

88

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
55
40
91
20
Price/Earnings
77
91
86
41
Price/Book
50
58
56
45
Dividend Yield
93
86
88
85
Value (overall)
80
77
92
39

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →