PFS · Provident Financial Services Inc
$22.58
+0.23 (+1.03%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$2.98B
Shares
130.42M
Volume · Oct 2
945.16K
Avg daily vol (3M)
900.49K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$22.58
Open$22.51
Day$22.39–22.69
52W close$17.77–25.28
Avg vol 30d842K
Short int6.1M · 4.7% float · 8.4d
Short vol78%
Last earningsOct 29, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings release
Oct 28, 2026
Announced
· in 4 wks
Next earnings call
Oct 29, 2026
Scheduled
· in 4 wks
filed Aug 7, 2026
call held Jul 30, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$76.22M
Trailing 12 months
Net income (TTM)
$312.71M
Trailing 12 months
Revenue growth YoY
+7.5%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
9.3
Trailing earnings · reciprocal yield 10.7%
FCF yield
11.8%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$228.29M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-0.1%
Year over year · fewer shares
Price change (1Y)
+15.4%
Trailing year
Short interest
4.7%
Latest settlement · 8.4 days to cover
AI Brief
Q2 FY26 earnings call · Jul 30, 2026
Q2 FY26
TL;DR. Provident reported record Q2 2026 results with NIM expanding 8 bps to 3.48% and 17% YTD EPS growth, while raising full-year loan/deposit growth guidance to the high end (5-6%) and lifting quarterly non-interest income guidance to $29M from $28.5M.
Bullish
- + YTD 2026 EPS grew 17% year-over-year with record revenues and net interest income.
- + Raised full-year loan and deposit growth guidance to the high end of the initial range, now 5-6%.
- + Raised Q3/Q4 non-interest income guidance to $29 million per quarter from $28.5 million.
- + Record $3.17 billion loan pipeline with CRE and C&I pipelines each above $1 billion for the second consecutive quarter.
Bearish
- − Provision for credit losses of $9.3 million in Q2 vs. a $2.1 million recapture in Q1.
- − Deposit environment has become very competitive, with deposit costs expected to rise 1-2 bps in coming quarters.
- − Senior housing non-accrual relationship totals $82 million, with resolution pending bankruptcy proceedings by year-end.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+1%
above
Price vs 50-day avg
−5%
below
RSI (14)
42
neutral
MACD trend
Negative
52-week position
64%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−4%
trailing
6-month return
+1%
trailing
YTD return
+14%
this year
Relative strength
−11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $24 › 200d $22 — 50d above 200d
Institutional flow
Accumulating
1 of 316 funds reported for Sep 30 · net +82 sh shares
Insider flow
Distributing
Net -$1.9M over 90 days · 100% sells
Short interest
Rising
4.71% of float · ▲ +13.4% MoM · 8.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
316 holders — near 3-yr high, broad support
Squeeze score
67
elevated · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+112%
Y/Y
Free cash flow
$430.7M
Valuation
P/E 9.5
below peers
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
1.9%
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 Jul 30, 2026
the remainder of 2026
Reported NIM
3.45% – 3.5%
full year
Loan and deposit growth
5% – 6%
Core ROA
1.2% – 1.3%
third and fourth quarter
Non-interest income
$29M
quarterly
Operating expenses
$117M – $119M
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
+1%
Bullish
Price vs 50-day avg
−5%
Neutral
RSI (14)
42
Neutral
MACD trend
Negative
Bearish
52-week position
64%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $24 › 200d $22 — 50d above 200d
Institutional flow
Accumulating
1 of 316 funds reported for Sep 30 · net +82 sh shares
Insider flow
Distributing
Net -$1.9M over 90 days · 100% sells
Short interest
Rising
4.71% of float · ▲ +13.4% MoM · 8.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
316 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $18
Now $23 · 64%
Range high $25
vs 200-day avg +1%
vs 50-day avg -5%
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 |
|---|---|---|---|
| Average balance of available for sale debt securities | $3.27B | the three months ended June 30, 2026 filing | — |
| Average balance of FHLBNY stock | $132.4M | the three months ended June 30, 2026 filing | — |
| Average balance of total loans | $19.57B | the three months ended June 30, 2026 filing | — |
| Average borrowings | $2.44B | the three months ended June 30, 2026 filing | — |
| Average cost of borrowed funds | 3.91% | the quarter ended June 30, 2026 filing | — |
| Average cost of interest-bearing deposits | 2.37% | the quarter ended June 30, 2026 filing | — |
| Average cost of total deposits | 1.92% | the quarter ended June 30, 2026 filing | — |
| Average held to maturity debt securities | $266.7M | the three months ended June 30, 2026 filing | — |
| Average interest-bearing core deposits | $12.27B | the three months ended June 30, 2026 filing | — |
| Average non-interest-bearing demand deposits | $3.72B | the quarter ended June 30, 2026 filing | — |
| Average time deposit account balances | $3.24B | the three months ended June 30, 2026 filing | — |
| Average yield on total loans | 5.9% | the three months ended June 30, 2026 filing | — |
| Average yield on total securities | 3.99% | the three months ended June 30, 2026 filing | — |
| Net charge-offs | $1.9M | the three months ended June 30, 2026 filing | — |
| Net interest margin | 3.48% | For the three months ended June 30, 2026 filing | — |
| Provision for credit losses on loans | $9.6M | the three months ended June 30, 2026 filing | — |
| Weighted average cost of interest-bearing liabilities | 2.71% | the quarter ended June 30, 2026 filing | — |
| Weighted average yield on interest-earning assets | 5.61% | the quarter ended June 30, 2026 filing | — |
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
|
$2.98B | +14.3% | +7.1% | 9.5 | 4.7% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
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 | -1.1% | -4.2% | +1.2% | +1.9% | +14.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.9% | -3.7% | -11.0% | +1.0% | +1.5% |