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Company Analysis

PFS

A comprehensive view of key metrics, scores, and financial health for

Overview of PFS

PFS NYQ
Financial Services Banks - Regional Mid Cap
PFS (PFS), is a Mid Cap company, in the Banks - Regional industry, last closed at $22.99, about 4.6% overvalued vs fair value, +40.4% 1Y return, ranked 282/1037 in sector.
Metrics Rev Growth 99.0% ROE 10.7% Gross Margin 62.7%
$22.99
0.79%
As of April 28, 2026
Previous close • Vol 90d: 27.2%
52-Week Range
Market Cap
$3.00B
Enterprise Value
$5.31B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.provident.bank
HQ Jersey City, NJ
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$12
$22
$41
Current: $22.99 -5% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.0B
69.9%%
Interest Expense
$512.2M
Net Interest Income
$600.6M
50.4%%
Total Revenue
$1.4B
99%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.4%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$101.0M
87.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating 's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
61
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing PFS's balance between Growth (44.6%), Profitability (20.0%), and Safety (35.4%). Growth 45% Safety 35% Profitability 20%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

67th percentile vs peers
67
Key Signals
NII Growth YoY 50.4% 97p Equity Growth YoY 53.9% 97p Asset Growth YoY 3.9% 50p EPS Growth YoY -38.6% 14p
Strengths
  • NII Growth YoY in top 20% of peers (50.4%, 97th percentile)
  • Equity Growth YoY in top 20% of peers (53.9%, 97th percentile)
  • Debt/Assets in top 20% of peers (10.1%, 82th percentile)
  • D/E Ratio in top 20% of peers (88.9%, 80th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-38.6%)

Profitability

30th percentile vs peers
30
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
53
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for .

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$21.94
- - -
-4.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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