Lumida
/PFS
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Provident Financial Services Inc

Provident Financial Services Inc

PFS
$23.30USD-0.09%-0.02 today

MARKET CAP

3.0B

P/E (TTM)

10.4x

FWD P/E

DAY RANGE

$23 – $24

52W RANGE

$18
$25

AI Summary

Stalk
StalkMedium

PFS remains in a Stage 2 trending advance with intact uptrend evidenced by rising EMAs and a series of higher highs and higher lows. However, the Bullish Exhaustion signal at a marginal high and extreme overbought readings highlight short-term fatigue. We will stalk for a pullback into the rising 9EMA–20EMA zone for a lower-risk entry aligned with the prevailing trend.

  • Q2 net income $78M (+17% YoY); EPS $0.60
  • Funded $700M commercial loans in Q2; $3.2B pipeline
  • CRE exposure 399% of capital raises downturn vulnerability
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$489.1M$554.0M$695.6M$1.1B$1.4B
YoY %+15.6%+13.3%+25.6%+63.9%+21.3%
P / Sales3.8x2.9x2.0x1.8x1.9x
EV / Sales27.0x24.6x19.7x20.4x17.7x
Gross Profit, Adj.$452.8M$505.3M$479.3M$694.7M$870.4M
YoY %+21.7%+11.6%-5.2%+45.0%+25.3%
Margin %92.6%91.2%68.9%60.9%63.0%
EV / Gross Profit29.2x26.9x28.6x33.6x28.2x
EBITDA, Adj.$227.1M$244.2M$183.6M$206.5M$408.2M
YoY %+97.9%+7.5%-24.8%+12.5%+97.7%
Margin %46.4%44.1%26.4%18.1%29.5%
EV / EBITDA58.2x55.7x74.6x112.9x60.1x
EBIT$227.1M$240.1M$175.8M$149.6M$408.2M
YoY %+97.9%+5.7%-26.8%-14.9%+172.8%
Margin %46.4%43.3%25.3%13.1%29.5%
EV / EBIT58.2x56.7x77.9x155.8x60.1x
Net Income$167.9M$175.6M$128.4M$115.5M$291.2M
YoY %+73.2%+4.6%-26.9%-10.0%+152.0%
Net Margin34.3%31.7%18.5%10.1%21.1%
EPS (GAAP)$2.19$2.35$1.71$1.05$2.23
YoY %+57.6%+7.3%-27.2%-38.6%+112.4%