PFS · Provident Financial Services Inc
$23.70
-0.76 (-3.11%)
At close · Aug 19
Market Cap
$3.19B
Shares
130.42M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$23.70
Open$24.45
Day$23.66–24.56
52W close$17.77–25.28
Avg vol 30d966K
Short int6.0M · 4.6% float · 5.1d
Short vol60%
Last earningsJul 30, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 30, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
−1%
below
RSI (14)
41
neutral
MACD trend
Negative
52-week position
79%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+7%
trailing
YTD return
+20%
this year
Relative strength
−5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $24 › 200d $22 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +41 funds added
Insider flow
Distributing
Net -$569.8K over 90 days · 100% sells
Short interest
Rising
4.57% of float · ▲ +0.0% MoM · 5.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
314 holders — near 3-yr high, broad support
Squeeze score
68
elevated · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+112%
Y/Y
Free cash flow
$430.7M
Valuation
P/E 10.2
below peers
Balance sheet
$209.1M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
remainder of 2026
Net interest margin
3.4% – 3.45%
Core operating expenses
$117M – $119M
second quarter
Core net interest margin expansion
3%
third and fourth quarters of 2026
Non-recurring charges
$5M
full-year 2026
Loan and deposit growth
4% – 6%
Core return on average assets
1.2% – 1.3%
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
NIM (net interest margin)
· fourth quarter
3.38% – 3.45%
Core operating expenses
· the final quarter of 2025
$113M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
41
Neutral
MACD trend
Negative
Bearish
52-week position
79%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $24 › 200d $22 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +41 funds added
Insider flow
Distributing
Net -$569.8K over 90 days · 100% sells
Short interest
Rising
4.57% of float · ▲ +0.0% MoM · 5.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
314 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $18
Now $24 · 79%
Range high $25
vs 200-day avg +9%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted CRE concentration ratio non-GAAP | 399.7% | Q2 2026 | — |
| Allowance for loan losses to total non-performing loans | 134.87% | Q2 2026 | — |
| Annualized core PPNR return on average assets non-GAAP | 1.87% | Q2 2026 | — |
| Annualized core PPNR return on average equity non-GAAP | 16.3% | Three months ended June 30, 2026 | — |
| Annualized core PPNR return on average tangible equity non-GAAP | 22.21% | Three months ended June 30, 2026 | — |
| Annualized core return on average assets non-GAAP | 1.27% | Q2 2026 | — |
| Book value per share (total stockholders' equity/shares outstanding) non-GAAP | $22.29 | Three months ended June 30, 2026 | — |
| Common Equity Tier One capital ratio | 12.1% | Q2 2026 | — |
| Core diluted earnings per share non-GAAP | $1.22 | Six months ended June 30, 2026 | — |
| Core net income non-GAAP | $79.86M | Three months ended June 30, 2026 | — |
| Core net interest margin non-GAAP | 3.09% | Q2 2026 | — |
|
|
|||
| Core PPNR non-GAAP | $117.77M | Three months ended June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income 78.15M
+9.33M Provision for credit losses
+0K Write-down on ORE property
+864K Executive severance expense
+1.51M Core system conversion expense
+27.91M Income tax expense
= Core PPNR 117.77M
|
|||
| Loan pipeline | 3.17B | Q2 2026 | — |
|
|
|||
| Loan pipeline weighted average interest rate | 6.33% | Q2 2026 | — |
|
|
|||
| Net interest margin | 3.47% | Six months ended June 30, 2026 | — |
| Net interest rate spread | 2.89% | Six months ended June 30, 2026 | — |
| Non-performing loans to total loans | 0.68% | Q2 2026 | — |
| Tangible book value per share (total tangible stockholders' equity/shares outstanding) non-GAAP | $16.42 | Three months ended June 30, 2026 | — |
| Tangible common equity ratio non-GAAP | 8.6% | Q2 2026 | — |
|
|
|||
| Total net charge-offs | $1.9M | Q2 2026 | — |
|
|
|||
| Total Risk Based Capital ratio | 13% | Q2 2026 | — |
| Annualized adjusted pre-provision, net-revenue returns on average assets non-GAAP | 1.75% | Q1 2026 | — |
| Annualized adjusted pre-provision, net-revenue returns on average equity non-GAAP | 15.25% | Q1 2026 | — |
| Annualized adjusted pre-provision, net-revenue returns on average tangible equity non-GAAP | 20.93% | Q1 2026 | — |
| Average interest-earning assets increase | 264.1M | Q1 2026 | — |
| Non-performing assets to total assets | 0.58% | Q1 2026 | — |
| Efficiency ratio non-GAAP | 52.44% | FY 2025 | — |
| Total commercial loan portfolio | $16.93B | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PFS
this stock
Provident Financial Services Inc
|
$3.19B | +20.0% | +7.1% | 10.2 | 4.6% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PFS | -4.7% | -1.3% | +7.0% | -4.0% | +20.0% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -4.3% | -4.2% | -4.6% | -6.9% | +7.2% |
Capital returns
Latest dividend
$0.24
/ share · ex Aug 14, 2026
Paid (TTM)
$0.96
/ share · 4 payouts
Dividend yield (TTM, derived)
4.05%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1178970
CUSIP
74386T105
13F (30d)
298 filings
273 filers
Visit website
Investor relations