Provident Financial Services Inc (NYSE: PFS)’s stock price has gone decline by -0.54 in comparison to its previous close of 16.78, however, the company has experienced a -6.55% decrease in its stock price over the last five trading days. zacks.com reported 2025-05-22 that The consensus price target hints at a 28.1% upside potential for Provident Financial (PFS). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.
Is It Worth Investing in Provident Financial Services Inc (NYSE: PFS) Right Now?
The price-to-earnings ratio for Provident Financial Services Inc (NYSE: PFS) is above average at 15.05x, Company’s 36-month beta value is 0.85.Analysts have differing opinions on the stock, with 2 analysts rating it as a “buy,” 2 as “overweight,” 1 as “hold,” and 0 as “sell.”
The public float for PFS is 116.12M, and currently, short sellers hold a 2.67% ratio of that floaft. The average trading volume of PFS on May 23, 2025 was 716.72K shares.
PFS’s Market Performance
PFS stock saw an increase of -6.55% in the past week, with a monthly gain of 1.95% and a quarterly increase of -7.99%. The volatility ratio for the week is 1.31%, and the volatility levels for the last 30 days are 1.77% for Provident Financial Services Inc (PFS). The simple moving average for the last 20 days is -2.33% for PFS’s stock, with a simple moving average of -9.20% for the last 200 days.
Analysts’ Opinion of PFS
Many brokerage firms have already submitted their reports for PFS stocks, with Hovde Group repeating the rating for PFS by listing it as a “Outperform.” The predicted price for PFS in the upcoming period, according to Hovde Group is $25 based on the research report published on December 13, 2024 of the previous year 2024.
Keefe Bruyette, on the other hand, stated in their research note that they expect to see PFS reach a price target of $21, previously predicting the price at $20. The rating they have provided for PFS stocks is “Outperform” according to the report published on August 15th, 2024.
DA Davidson gave a rating of “Buy” to PFS, setting the target price at $20 in the report published on April 22nd of the previous year.
PFS Trading at 0.27% from the 50-Day Moving Average
After a stumble in the market that brought PFS to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -24.96% of loss for the given period.
Volatility was left at 1.77%, however, over the last 30 days, the volatility rate increased by 1.31%, as shares sank -1.13% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading +0.48% upper at present.
During the last 5 trading sessions, PFS fell by -6.55%, which changed the moving average for the period of 200-days by -0.36% in comparison to the 20-day moving average, which settled at $17.09. In addition, Provident Financial Services Inc saw -11.55% in overturn over a single year, with a tendency to cut further losses.
Insider Trading
Reports are indicating that there were more than several insider trading activities at PFS starting from LISTA GEORGE, who purchase 1,000 shares at the price of $16.73 back on Mar 13 ’25. After this action, LISTA GEORGE now owns 9,956 shares of Provident Financial Services Inc, valued at $16,729 using the latest closing price.
Christy James A., the EVP, CRO of Provident Bank of Provident Financial Services Inc, sale 3,500 shares at $20.88 during a trade that took place back on Dec 11 ’24, which means that Christy James A. is holding 34,254 shares at $73,080 based on the most recent closing price.
Stock Fundamentals for PFS
Current profitability levels for the company are sitting at:
- 0.55 for the present operating margin
- 0.97 for the gross margin
The net margin for Provident Financial Services Inc stands at 0.16. The total capital return value is set at 0.02. Equity return is now at value 6.77, with 0.77 for asset returns.
Based on Provident Financial Services Inc (PFS), the company’s capital structure generated 0.51 points at debt to capital in total, while cash flow to debt ratio is standing at 0.17. The debt to equity ratio resting at 1.03. The interest coverage ratio of the stock is 1.42.
Currently, EBITDA for the company is 204.2 million with net debt to EBITDA at 9.39. When we switch over and look at the enterprise to sales, we see a ratio of 4.98. The receivables turnover for the company is 10.24for trailing twelve months and the total asset turnover is 0.04. The liquidity ratio also appears to be rather interesting for investors as it stands at 0.02.
Conclusion
In a nutshell, Provident Financial Services Inc (PFS) has experienced a mixed performance in recent times. The stock has received mixed “buy” and “hold” ratings from analysts. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
