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PFS · Provident Financial Services Inc

$24.05 -0.12 (-0.50%)
Market Cap
$3.14B
Shares
130.31M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$24.17 Open$23.96 Day$23.97–24.29 52W$16.99–24.56 Avg vol 30d879K Short int6.0M · 4.6% float · 6.8d Short vol74% Last earningsJul 30, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 8

Up next

Next earnings call
Jul 30, 2026 Scheduled · this week
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 8, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      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 advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 18.2 · elevated Equity put/call 0.71
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +13%
      above
      Price vs 50-day avg +5%
      above
      RSI (14) 60
      neutral
      MACD trend Negative
      52-week position 95%
      near high
      Momentum
      relative strength
      Very Strong
      1-month return +3%
      trailing
      6-month return +6%
      trailing
      YTD return +24%
      this year
      Relative strength −1%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $23 › 200d $21 — 50d above 200d
      Institutional flow Distributing
      76 of 305 funds reported for Jun 30 · net -173.9K sh shares · +6 new
      Insider flow Distributing
      Net -$139.8K over 90 days · 100% sells
      Short interest Falling
      4.57% of float · ▼ -10.6% MoM · 6.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      305 holders — near 3-yr high, broad support
      Squeeze score 69
      elevated · 0–100
      Fundamentals
      Excellent
      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
      Very Low
      Volatility 26%
      annualized · 1-yr
      Max drawdown −14%
      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
      Net interest margin · 2026 Initiated 3.4% – 3.45%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +13% Bullish
      Price vs 50-day avg
      +5% Bullish
      RSI (14)
      60 Neutral
      MACD trend
      Negative Bearish
      52-week position
      95% Bullish
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $23 › 200d $21 — 50d above 200d
      Institutional flow Distributing
      76 of 305 funds reported for Jun 30 · net -173.9K sh shares · +6 new
      Insider flow Distributing
      Net -$139.8K over 90 days · 100% sells
      Short interest Falling
      4.57% of float · ▼ -10.6% MoM · 6.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      305 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $17 Now $24 · 95% 52-wk high $25
      vs 200-day avg +13% vs 50-day avg +5%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      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
      Loan pipeline weighted average interest rate 6.24% Q1 2026
      Non-performing assets to total assets 0.58% Q1 2026
      Total net charge-offs 3.1M 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 · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      PFS
      Provident Financial Services Inc
      this stock
      $3.14B +23.7% +7.1% 10.2 4.6%
      HDB
      Hdfc Bank Ltd
      $121.08B -35.5% +15.2% 0.4%
      MFG
      Mizuho Financial Group Inc
      $119.51B +37.8% 0.1%
      IBN
      Icici Bank Ltd
      $106.74B +1.5% 0.6%
      PNC
      Pnc Financial Services Group, Inc.
      $101.03B +21.5% +7.2% 14.6 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      308
      % held
      67.7%
      Reported
      76 of 305
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      314
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      6.0M
      Days to cover
      6.8d
      Change
      -708.1K sh
      View
      Short Volume
      Short vol %
      74%
      As of
      Jul 29, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      172
      Value
      $4.0K
      As of
      Jun 30, 2026
      View
      Off-Exchange
      Off-exchange %
      43.9%
      Week of
      May 4, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$139.8K
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $73.1M
      Net income (FY)
      $291.2M
      EPS diluted
      $2.23
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jun 23, 2026
      This year
      16
      View
      Proposed Sales
      Value
      $23.5K
      Shares
      1.0K
      Filed
      Jun 29, 2026
      View
      Earnings & Events
      Earnings Calls Upcoming
      Next call
      Jul 30, 2026
      Last call
      Apr 30, 2026
      View
      Investor Relations
      Latest news
      Provident Strengthens its Commitm…
      Published
      Jul 22, 2026
      Upcoming events
      1
      View

      Performance

      5D 20D 120D MTD YTD
      PFS +0.5% +2.7% +6.3% +2.2% +23.7%
      SPY -1.0% 0.0% +7.4% -0.8% +8.6%
      vs SPY +1.5% +2.7% -1.2% +3.0% +15.0%

      Capital returns

      Latest dividend
      $0.24 / share · ex May 15, 2026
      Paid (TTM)
      $0.96 / share · 4 payouts
      Dividend yield (TTM, derived)
      3.97%

      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) 99 filings 74 filers Visit website Investor relations