Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesProvident Financial Services Inc

Provident Financial Services Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
22.96 USD 0.02 ( 0.09%)
Last update at 2026-11-06T21:00:00Z
VOLUME
879121
Market Cap
1382.40M
P/E
9.10

Momentum Score

…

Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, it sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
22.69
Low
23.05
High
52 Week Price Range
13.21
Low
23.25
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Provident Financial Services is the holding company for Provident Bank, a regional bank serving the New Jersey–New York area with deposits, lending, mortgages and wealth services. Growth could be supported by regional loan and deposit expansion, higher net interest margins when rates rise, and fee income from mortgage and wealth offerings, which may appeal to investors seeking diversified regional bank exposure.
Key risks include regional concentration with commercial real-estate exposure, interest-rate and deposit-cost sensitivity, and competitive and regulatory pressures; investors should monitor asset quality and funding costs.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
22.94
Dividend Yield
5.25%
Revenue TTM
466.06M
Revenue Per Share
6.24
Gross Profit TTM
496.95M
Debt / Equity
0.84
ROE
9.46%
Net Debt
1161.36M
ROCE
8.97%
Diluted EPS TTM
2.01

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 240.11M 227.12M 127.55M 147.09M 143.92M
Net income 175.65M 167.92M 96.95M 112.63M 118.39M
Selling general administrative 152.40M 149.63M 133.98M 118.17M 114.98M
Selling and marketing expenses 5.19M 3.95M 4.40M 4.12M 3.84M
Gross profit 462.31M 414.22M 348.81M 327.94M 328.28M
Reconciled depreciation 3.29M 3.66M 20.02M 18.83M 10.10M
Ebit 288.74M 227.12M 127.55M 147.09M 211.04M
Ebitda 292.03M 230.78M 130.98M 149.83M 213.17M
Depreciation and amortization 3.29M 3.66M 3.42M 2.74M 2.13M
Operating income 288.74M 227.12M 127.55M 147.09M 203.07M
Other operating expenses 5.19M -225.71M -257.45M -214.68M 156.28M
Interest expense 48.63M 36.32M 50.74M 73.50M 59.15M
Tax provision 64.46M 59.20M 30.60M 34.45M 25.53M
Interest income 466.18M 402.34M 363.31M 371.47M 359.83M
Net interest income 417.55M 366.02M 312.57M 297.97M 300.68M
Income tax expense 64.46M 59.20M 30.60M 34.45M 25.53M
Total revenue 505.34M 452.83M 385.00M 361.77M 359.35M
Total operating expenses 5.19M -225.71M -257.45M -214.68M -156.28M
Cost of revenue 43.03M 38.61M 36.20M 33.83M 31.07M
Total other income expense net -48.63M -132.66M -195.16M -186.44M -59.15M
Net income from continuing ops 175.65M 167.92M 96.95M 181.54M 118.39M
Net income applicable to common shares 175.65M 167.92M 96.95M 112.63M 118.39M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 13783.44M 13781.20M 12919.74M 9808.58M 9725.77M
Intangible assets 17.27M 19.76M 23.21M 437.02M 418.18M
Earning assets - 2735.81M 1744.91M 1583.17M 1684.05M
Other current assets -1803.55M 7928.83M 9135.87M 6692.28M 6469.11M
Total liab 12185.73M 637.06M 1201.11M 1125.15M 8366.79M
Total stockholder equity 1597.70M 1697.10M 1619.80M 1413.84M 1358.98M
Other current liab 10563.02M 11234.01M 1368.03M 8394.74M 8366.79M
Common stock 0.83M 0.83M 0.83M 0.83M 0.83M
Capital stock 0.83M 0.83M 0.83M 0.83M 0.83M
Retained earnings 918.16M 814.53M 718.09M 695.27M 651.10M
Other liab 89.08M 213.04M 261.01M 84.81M 79.62M
Good will 443.62M 444.42M 443.00M 420.56M 411.60M
Other assets 9008.17M 7928.83M 9135.87M 6692.28M 11745.21M
Cash 186.51M 712.46M 532.35M 186.75M 142.66M
Total current liabilities 10563.02M 436.15M 1556.45M 8394.74M 8366.79M
Net debt 1161.36M -75.41M 668.75M 938.40M 1299.62M
Short term debt - 436.15M 188.42M 549.91M 121.32M
Short long term debt - - - 549.91M 121.32M
Short long term debt total 1347.86M 637.06M 1201.11M 1125.15M 1442.28M
Other stockholder equity 843.76M 874.87M 883.22M 713.91M 719.38M
Property plant equipment 79.79M 80.56M 75.95M 55.21M 58.12M
Total current assets 2041.96M 2812.30M 1684.29M 1192.70M 7706.33M
Long term investments 2192.62M 2495.33M 11277.88M 8707.91M 8737.53M
Net tangible assets 1136.81M 1232.91M 1153.59M 976.82M 940.80M
Short term investments 1803.55M 2057.85M 1105.49M 976.92M 1063.08M
Net receivables 51.90M 41.99M 46.45M 29.03M 31.48M
Long term debt 1347.86M 637.06M 1175.97M 1125.15M 1442.28M
Inventory 2.12M 8.73M 4.47M 2.71M 1.56M
Accounts payable 10563.02M 11234.01M 9837.83M 7102.61M 6830.12M
Accumulated other comprehensive income -165.04M 6.86M 17.66M 3.82M -12.34M
Common stock total equity 0.83M 0.83M 0.83M 0.83M 0.83M
Retained earnings total equity 918.16M 814.53M 718.09M 695.27M 651.10M
Treasury stock -127.15M -79.60M -59.02M -268.50M -272.47M
Non currrent assets other -2733.30M -3040.07M -2099.58M -1923.60M 6469.11M
Non current assets total 2733.30M 3040.07M 2099.58M 1923.60M 2019.44M
Long term debt total 1347.86M 637.06M 1175.97M 1125.15M 1442.28M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -655.30M -985.33M -580.72M 60.88M -31.50M
Change to liabilities 60.54M -48.11M 59.88M 25.31M 4.82M
Total cashflows from investing activities -647.56M -717.94M -507.98M 42.87M 46.70M
Net borrowings 710.60M -564.20M -150.76M -317.14M -300.23M
Total cash from financing activities -78.70M 739.86M 746.68M -135.71M -250.60M
Change to operating activities -18.04M -85.52M -134.34M -37.14M -25.96M
Net income 175.65M 167.92M 96.95M 112.63M 118.39M
Change in cash -498.73M 180.11M 345.61M 44.09M -48.17M
Begin period cash flow 685.16M 532.35M 186.75M 142.66M 190.83M
End period cash flow 186.44M 712.46M 532.35M 186.75M 142.66M
Total cash from operating activities 200.31M 158.18M 106.91M 136.93M 155.72M
Issuance of capital stock 0.00M 0.00M 0.45M 2.23M 1.71M
Depreciation 23.69M 22.73M 20.02M 18.83M 10.10M
Other cashflows from investing activities 17.15M 33.16M 85.56M -13.13M 1.98M
Dividends paid -72.02M -71.48M -65.82M -72.81M 53.60M
Change to account receivables -9.91M 4.46M 8.47M 2.44M -1.83M
Sale purchase of stock -46.53M -20.71M -21.16M -19.87M -13.17M
Other cashflows from financing activities 3129.42M 2279.07M 3413.97M 1504.29M 618.85M
Change to netincome -16.49M 48.59M 4.86M 2.83M -6.15M
Capital expenditures 9.41M 13.80M 12.82M 4.88M 3.16M
Change receivables -9.91M 4.46M 8.47M 2.44M -1.83M
Cash flows other operating -35.49M 32.94M -85.36M -25.33M 20.96M
Cash and cash equivalents changes -525.96M 180.11M 345.61M 44.09M -48.17M
Change in working capital -5.66M -33.39M -38.46M -18.48M 8.25M
Stock based compensation 13.74M 9.97M 7.92M 11.38M 10.75M
Other non cash items -9.34M -21.46M 28.40M 10.89M 26.77M
Free cash flow 190.90M 144.38M 94.09M 132.04M 152.56M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
PFS
Provident Financial Services Inc		 0.02
0.09%		 22.96 9.10 8.77 2.91 0.84
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83

Profile*

Provident Financial Services Inc

Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, office buildings, and retail and industrial properties; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payroll origination, escrow account management, and online and mobile banking services; and business credit cards. In addition, the company provides wealth management services comprising investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Further, it sells insurance and investment products, including annuities; operates as a real estate investment trust for acquiring mortgage loans and other real estate related assets; and manages and sells real estate properties acquired through foreclosure. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.

239 Washington Street, Jersey City, NJ, United States, 07302

732 590 9200

https://www.provident.bank

1124

Name Title Year Born
Mr. Christopher P. Martin Exec. Chairman 1956
Mr. Anthony J. Labozzetta Pres, CEO & Director 1964
Mr. Thomas M. Lyons CPA Sr. EVP & CFO 1964
Mr. John F. Kuntz Esq. Sr. EVP, Gen. Counsel & Corp. Sec. 1955
Ms. Valerie O. Murray CFP Exec. VP & Chief Wealth Management Officer of Provident Bank 1975
Adriano M. Duarte Sr. VP & Investor Relations Officer NA
Mr. Robert G. Capozzoli Sr. VP & Chief Marketing Officer 1971
Mr. Brian Giovinazzi Exec. VP & Chief Credit Officer of the Provident Bank 1954
Mr. Frank S. Muzio CPA Exec. VP & Chief Accounting Officer of Provident Bank 1953
Mr. James A. Christy Exec. VP & Chief Risk Officer of Provident Bank 1967

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

ITH
CAD 2.15
+27.68%
HG
CAD 4.11
+19.13%
PPTA
CAD 27.74
+17.99%
UCU
CAD 2.10
+17.32%
GAU
CAD 3.49
+16.72%
TSU
CAD 29.67
-29.71%
PXT
CAD 19.73
-16.91%
LAS-A
CAD 230.50
-9.25%
IFP
CAD 13.50
-8.35%
NFI
CAD 24.01
-7.80%

Equity Sectors*

  • Basic Materials

    +3.74%

  • Communication Services

    +0.56%

  • Consumer Cyclical

    -0.34%

  • Consumer Defensive

    +0.11%

  • Energy

    +1.33%

  • Financial Services

    -0.26%

  • Healthcare

    +2.54%

  • Industrials

    -0.11%

  • Real Estate

    -0.23%

  • Technology

    +1.91%

  • Utilities

    +1.05%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…