PROVIDENT FINANCIAL SERVICES INC (PFS)

What PROVIDENT FINANCIAL SERVICES INC does

Provident Financial Services, Inc. is a bank holding company that owns Provident Bank, a New Jersey-chartered savings bank established in 1839. Following its May 2024 merger with Lakeland Bancorp, the company operates over 100 full-service branch offices across New Jersey, Pennsylvania, and New York, serving individuals, families, and businesses. The company attracts deposits from its primary market areas and deploys those funds through origination of commercial real estate loans, commercial business loans, residential mortgage loans, and consumer loans.

Fundamentals

• Price$23.37 as of 2026-07-09 close
• Market cap$3.0B as of 2026-07-10
• 1-year return+24.7% as of 2026-07-09 close
• P/E9.83 as of 2026-07-10
• Net margin+30.2% as of 2026-07-10
• ROE+11.0% as of 2026-07-10
• Debt / equity0.18 as of 2026-07-10
• Revenue growth (YoY)+36.7% as of 2026-07-10
• Revenue CAGR (3y)+10.0% SEC XBRL
• Beta0.79 as of 2026-07-10

Dividend: yield +4.1%; 5-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Economic sensitivity: exposure to inflation, unemployment, and recession in core Northeast markets (New Jersey, Pennsylvania, New York) affecting loan performance and real estate collateral values","Interest rate risk: changes in prevailing interest rates impact net interest margin and asset-liability management across loan and deposit portfolios","Credit risk: allowance for credit losses depends on complex econometric modeling using historical defaults, loss given default, and economic forecasts; actual losses could exceed provisions if forecasts prove inaccurate"]

See PFS's biggest risks from its latest 10-Q →

Competitors & peers

• JPMorgan Chase
• Bank of America
• Citigroup
• PNC Financial Services
• M&T Bank Corporation
• Investors Bancorp
• Valley National Bancorp

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