PFS
Provident Financial Services, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+6/100
Last price
22.28
▼ 0.10 (0.45%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
—
Prev close
22.38
Day high
22.60
Day low
22.20
Volume
622.17K
Market cap
$2.91B
P/E (TTM)
9.28
52W range
17.69 – 25.49
Trailing performance
Returnvs SPY
1W
+0.27%
-1.7%
1M
-6.07%
-7.2%
3M
-3.09%
-7.6%
6M
+3.10%
-15.1%
YTD
+12.81%
-1.4%
1Y
+13.15%
-3.3%
3Y
+45.72%
-36.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PFS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+36.75K
Net buying
Buy transactions
19
122.00K shares
Sell transactions
5
85.25K shares
Net transactions
+24
Buys less sells
Sell : buy shares
0.7 : 1
Mixed
Insider-held shares
3.62M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 14, 26 | CHRISTY JAMES A Officer |
SELL | 3.00K | $70.08K | Direct |
| Sep 1, 26 | SHARA THOMAS J JR Director |
SELL | 56.17K | $1.30M | Indirect |
| Aug 18, 26 | GIANNOLA VITO Officer |
SELL | 20.00K | $487.20K | Direct |
| Aug 7, 26 | REGAN MICHAEL E Director |
STOCK | 3.07K | $0 | Direct |
| Jun 12, 26 | LISTA GEORGE Officer |
SELL | 3.53K | $82.59K | Direct |
| May 26, 26 | DUCHEMIN-LESLIE NADINE Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | HARDING MATTHEW K Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | PUGLIESE JOHN Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | HANSON JAMES E. II Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | FOLEY URSULINE F. Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | GRAGNOLATI BRIAN Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | LEPPERT EDWARD J Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | FLYNN BRIAN Director |
STOCK | 4.01K | $0 | Direct |
| May 26, 26 | MCCRACKEN ROBERT E Director |
STOCK | 4.01K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
HANSON JAMES E. II |
Director | 138.38K | Stock Award(Grant) |
LABOZZETTA ANTHONY J |
Chief Executive Officer | 595.66K | Stock Award(Grant) |
LEPPERT EDWARD J |
Director | 157.77K | Stock Award(Grant) |
LISTA GEORGE |
Officer | 121.13K | Sale |
LYONS THOMAS M |
Chief Financial Officer | 336.90K | Stock Award(Grant) |
MARTIN CHRISTOPHER P |
Officer and Director | 838.01K | Sale |
MATTESON TIMOTHY J |
Officer | 113.75K | Stock Award(Grant) |
MCCRACKEN ROBERT E |
Director | 134.86K | Stock Award(Grant) |
MURRAY VALERIE O |
Officer | 106.33K | Stock Award(Grant) |
SHARA THOMAS J JR |
Officer and Director | 530.73K | Stock Award(Grant) |
Fundamentals
Market cap$2.91B
Enterprise value$5.55B
Revenue (TTM)$894.28M
Gross profit$894.28M
EBITDA—
Net income$312.72M
EPS (TTM)$2.40
Free cash flow—
Total cash$344.01M
Total debt$2.99B
Book value / share$22.29
Shares outstanding130.42M
Float126.33M
Short % of float6.66%
Dividend yield4.31%
Beta (5Y)0.82
Valuation & profitability ratios
Trailing P/E9.28
Forward P/E8.59
PEG ratio1.61
Price / sales—
Price / book1.00
EV / revenue6.21
EV / EBITDA—
Gross margin0.00%
Operating margin52.27%
Profit margin34.97%
Return on equity11.14%
Return on assets1.25%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $870.40M | $694.73M | $479.28M | $505.34M | +25.3% |
| Operating revenue | $870.40M | $694.73M | $479.28M | $505.34M | +25.3% |
| Selling, general & admin | $271.56M | $236.45M | $161.90M | $157.59M | +14.9% |
| Pre-tax income | $408.16M | $149.62M | $175.78M | $240.11M | +172.8% |
| Tax provision | $117.00M | $34.09M | $47.38M | $64.46M | +243.2% |
| Net income | $291.16M | $115.53M | $128.40M | $175.65M | +152.0% |
| Net income to common | $291.16M | $115.53M | $128.40M | $175.65M | +152.0% |
| Basic EPS | 2.23 | 1.05 | 1.72 | 2.35 | +112.4% |
| Diluted EPS | 2.23 | 1.05 | 1.71 | 2.35 | +112.4% |
| Basic shares | 130.46M | 109.67M | 74.84M | 74.70M | +19.0% |
| Diluted shares | 130.51M | 109.71M | 74.87M | 74.78M | +19.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $211.48M | $205.94M | $180.25M | $186.51M | +2.7% |
| Accounts receivable | $95.80M | $91.16M | $58.97M | $51.90M | +5.1% |
| Property, plant & equipment | $113.33M | $119.62M | $71.00M | $79.79M | -5.3% |
| Goodwill & intangibles | $782.15M | $819.23M | $457.94M | $460.89M | -4.5% |
| Total assets | $24.98B | $24.05B | $14.21B | $13.78B | +3.9% |
| Long-term debt | $2.42B | $2.31B | $1.46B | $1.25B | +5.0% |
| Total debt | $2.42B | $2.31B | $1.46B | $1.25B | +5.0% |
| Total liabilities | $22.15B | $21.45B | $12.52B | $12.19B | +3.2% |
| Retained earnings | $1.15B | $989.11M | $974.54M | $918.16M | +16.7% |
| Shareholder equity | $2.83B | $2.60B | $1.69B | $1.60B | +8.9% |
| Net tangible assets | $2.05B | $1.78B | $1.23B | $1.14B | +15.1% |
| Shares issued | 137.57M | 137.57M | 83.21M | 83.21M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $291.16M | $115.53M | $128.40M | $175.65M | +152.0% |
| Depreciation & amortisation | $65.51M | $54.59M | $22.19M | $23.69M | +20.0% |
| Stock-based compensation | $10.45M | $12.20M | $10.80M | $13.74M | -14.3% |
| Change in working capital | -$70.21M | $35.58M | -$10.98M | -$5.66M | -297.3% |
| Operating cash flow | $442.26M | $426.38M | $173.40M | $200.31M | +3.7% |
| Capital expenditure | -$11.54M | -$1.31M | -$7.49M | -$9.41M | -782.9% |
| Investing cash flow | -$1.05B | $507.67M | -$469.60M | -$647.56M | -307.3% |
| Share buybacks | $0 | $0 | $0 | -$46.53M | — |
| Dividends paid | -$125.91M | -$100.96M | -$72.45M | -$72.02M | -24.7% |
| Financing cash flow | $615.62M | -$908.37M | $289.95M | -$78.70M | +167.8% |
| Free cash flow | $430.73M | $425.07M | $165.91M | $190.90M | +1.3% |
| End cash position | $211.48M | $205.94M | $180.25M | $186.51M | +2.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $234.65M | $225.20M | $225.72M | $221.75M | $214.17M | +4.2% |
| Operating revenue | $234.65M | $225.20M | $225.72M | $221.75M | $214.17M | +4.2% |
| Selling, general & admin | $71.96M | $69.97M | $68.48M | $68.26M | $68.02M | +2.8% |
| Pre-tax income | $106.06M | $110.17M | $112.25M | $101.61M | $102.44M | -3.7% |
| Tax provision | $27.91M | $30.75M | $28.82M | $29.89M | $30.46M | -9.2% |
| Net income | $78.15M | $79.42M | $83.43M | $71.72M | $71.98M | -1.6% |
| Net income to common | $78.15M | $79.42M | $83.43M | $71.72M | $71.98M | -1.6% |
| Basic EPS | 0.60 | 0.61 | 0.64 | 0.55 | 0.55 | -1.6% |
| Diluted EPS | 0.60 | 0.61 | 0.64 | 0.55 | 0.55 | -1.6% |
| Basic shares | 130.33M | 130.51M | 130.53M | 130.51M | 130.48M | -0.1% |
| Diluted shares | 130.39M | 130.59M | 130.59M | 130.55M | 130.50M | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $228.29M | $222.08M | $211.48M | $301.61M | $258.93M | +2.8% |
| Accounts receivable | $98.12M | $97.73M | $95.80M | $94.65M | $92.71M | +0.4% |
| Property, plant & equipment | $112.20M | $110.36M | $113.33M | $113.10M | $115.71M | +1.7% |
| Goodwill & intangibles | $765.02M | $773.59M | $782.15M | $790.73M | $800.23M | -1.1% |
| Total assets | $25.66B | $25.20B | $24.98B | $24.83B | $24.55B | +1.8% |
| Long-term debt | $2.73B | $2.80B | $2.42B | $2.51B | $2.68B | -2.3% |
| Total debt | $2.73B | $2.80B | $2.42B | $2.51B | $2.68B | -2.3% |
| Total liabilities | $22.76B | $22.34B | $22.15B | $22.07B | $21.84B | +1.9% |
| Retained earnings | $1.25B | $1.20B | $1.15B | $1.10B | $1.06B | +4.0% |
| Shareholder equity | $2.91B | $2.86B | $2.83B | $2.77B | $2.71B | +1.5% |
| Net tangible assets | $2.14B | $2.09B | $2.05B | $1.98B | $1.91B | +2.5% |
| Shares issued | 130.42M | 137.57M | 137.57M | 137.57M | 137.57M | -5.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $78.15M | $79.42M | $83.43M | $71.72M | $71.98M | — | -1.6% |
| Depreciation & amortisation | $15.39M | $15.50M | $15.77M | $16.42M | $16.62M | — | -0.7% |
| Stock-based compensation | $2.38M | $2.74M | $3.03M | $2.61M | $2.65M | — | -12.9% |
| Change in working capital | $15.94M | -$15.50M | -$39.30M | $5.90M | -$43.58M | — | +202.8% |
| Operating cash flow | $118.84M | $84.65M | $68.95M | $98.03M | $186.77M | — | +40.4% |
| Capital expenditure | -$10.23M | -$3.69M | -$4.87M | -$1.33M | -$4.21M | — | -177.1% |
| Investing cash flow | -$450.73M | -$232.39M | -$206.82M | -$242.31M | -$426.73M | — | -94.0% |
| Share buybacks | $0 | -$10.26M | — | — | $0 | $0 | +100.0% |
| Dividends paid | -$30.36M | -$31.37M | -$31.34M | -$31.35M | -$31.35M | — | +3.2% |
| Financing cash flow | $338.10M | $158.34M | $47.74M | $186.96M | $264.82M | — | +113.5% |
| Free cash flow | $108.61M | $80.96M | $64.08M | $96.71M | $182.56M | — | +34.2% |
| End cash position | $228.29M | $222.08M | $211.48M | $301.61M | $258.93M | — | +2.8% |
Options analytics
Put / call volume
0.05
Call-heavy session
Put / call open interest
0.04
Positioning, not flow
Max pain
22.50
+1.0% from spot
ATM implied vol
1.6%
Nearest strike to spot
Skew (10% OTM)
-25.0%
Calls bid over puts
Call volume
113
Contracts, this expiry
Put volume
6
Contracts, this expiry
Heaviest call OI
25.00
55 contracts
Heaviest put OI
22.50
4 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.57 | 0.61 | +8.0% |
| Mar 2026 | 0.55 | 0.61 | +11.3% |
| Dec 2025 | 0.56 | 0.64 | +15.3% |
| Sep 2025 | 0.54 | 0.55 | +1.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.61 | 6 | $238.38M | +7.5% |
| Next quarter | 0.63 | 6 | $241.18M | +7.2% |
| Current year | 2.46 | 6 | $939.35M | +8.0% |
| Next year | 2.59 | 6 | $996.57M | +6.1% |
Analyst targets & ownership
Mean target$27.75
High target$30.00
Low target$25.00
Implied upside24.55%
Analyst count6
ConsensusBUY
Strong buy / Buy2 / 2
Hold2
Sell / Strong sell0 / 0
Held by insiders2.78%
Held by institutions77.60%
Institutions holding423
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
22.44
-0.72% from price
SMA 20
22.79
-2.23% from price
SMA 50
23.60
-5.61% from price
SMA 100
23.32
-4.44% from price
SMA 200
22.43
-0.66% from price
EMA 12
22.54
-1.17% from price
EMA 26
22.89
-2.65% from price
EMA 50
23.17
-3.84% from price
RSI (14)
37.0
Neutral
MACD (12,26,9)
-0.34
Hist -0.01
ATR (14)
0.40
1.80% of price
Realised vol 30D
13.8%
Annualised
Bollinger upper
23.59
20, 2σ
Bollinger lower
21.98
20, 2σ
50 / 200 cross
Golden
23.60 vs 22.43
Trend bias
Below 200
-0.66%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.64
Less volatile than market
Correlation to SPY
0.33
Loosely linked
Realised vol 30D
13.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-15.4%
Peak to trough
Max drawdown 5Y
-49.2%
Peak to trough
ATR 14
0.40
1.80% of price
Beta (reported)
0.82
5Y monthly, from filing
Short interest
Shares short
6.15M
Prior 5.89M
Change vs prior
+4.5%
Shorts adding
% of float
6.66%
Normal
% of shares out
4.71%
Against total outstanding
Days to cover
8.4
Crowded exit
Float
126.33M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 3, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 31, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 1, 26 | Raymond James | MAINTAINED | Strong Buy | Strong Buy |
| Jun 8, 26 | Stephens & Co. | INITIATED | — | Equal-Weight |
| May 1, 26 | DA Davidson | MAINTAINED | Neutral | Neutral |
| May 1, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Feb 25, 26 | DA Davidson | INITIATED | — | Neutral |
| Jan 29, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 28, 25 | DA Davidson | MAINTAINED | Buy | Buy |
| Jun 26, 25 | Raymond James | INITIATED | — | Strong Buy |
| Apr 28, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jan 30, 25 | RBC Capital | MAINTAINED | Outperform | Outperform |
Dividends & splits
Forward rate$0.96 / yr
Forward yield4.31%
5-year avg yield4.82%
Payout ratio40.00%
Ex-dividend dateAug 14, 2026
Next pay dateAug 28, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-24
Corporate Changes & Voting Matters
8-K · 2026-08-14
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-08-04
Corporate Changes & Voting Matters
8-K · 2026-07-30
Annual report of employee stock purchase
11-K · 2026-06-29
Corporate Changes & Voting Matters
8-K · 2026-06-23
Corporate Changes & Voting Matters
8-K · 2026-06-04
Headlines
Provident Financial Services, Inc. Schedules Third Quarter Earnings Conference Call
GlobeNewswire · 5d ago
Regional Banks Stocks Q2 Teardown: Provident Financial Services (NYSE:PFS) Vs The Rest
StockStory · 7d ago
Provident Bank Survey: 7 in 10 Americans Are Rethinking Higher Education, and Nearly 1 in 3 Are Eyeing the Alternatives
GlobeNewswire · 8d ago
1 of Wall Street’s Favorite Stocks with Exciting Potential and 2 We Find Risky
StockStory · 9d ago
Provident Financial Services (PFS) Stock May Be 47% Undervalued As Returns Support A Bargain
Simply Wall St. · 10d ago
Provident Financial Services (PFS) Is Back In The Spotlight, But Why?
Simply Wall St. · 11d ago
3 Small-Cap Stocks We Keep Off Our Radar
StockStory · 16d ago
1 Stock Under $50 Worth Investigating and 2 That Underwhelm
StockStory · 25d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.