Valuation remains strong (avg 95/100), but growth is pulling the composite down (avg 35/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.1x book, reasonable for a financial
5–10% CAGR, steady but not exceptional
Below 2%, book value not compounding
Business Quality & Capital Allocation
Heavy dilution above 5%
10–15%, healthy ROE
11.3% equity/assets, comfortable cushion
Net margin expanded 3+pp, strong improvement
Provident Financial Services (PFS) quality: score, margins and returns
Provident Financial Services (PFS) scores 65/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Provident Financial Services (PFS) a high-quality business?+
Provident Financial Services scores 65 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Provident Financial Services's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from PFS's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Provident Financial Services scores well and where it falls behind.
How profitable is Provident Financial Services?+
Provident Financial Services runs a net margin of about 482.3%. Revenue has grown at roughly 19.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 3 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 18 Sept 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
Savings Institution, Federally Chartered · Pick stocks to compare with PFS
Held by ETFs
PFS is in 96 US ETFs. The largest of them, with PFS's weight in each:
Spot a number that looks wrong? Check it in PFS's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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