SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Provident Financial Services, Inc. (PFS) trades at a trailing P/E of 9.9, forward P/E of 9.6. Trailing earnings yield is 10.10%, forward earnings yield 10.45%. PEG 0.09 (Peter Lynch undervalued ≤1.0). Graham Number is $33.01.
Criteria proven by this page:
- VALUE (83/100, Pass) — P/E is below market average (9.9); PEG ≤ 1.0 — Peter Lynch undervalued (0.09); analyst target implies upside (+12%); earnings yield beats bond yields (10.10%).
- Forward P/E 9.6 (down from trailing 9.9) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.09 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 10.10% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.45% as earnings recover.
- Analyst consensus target $25.00 (+12% upside) — modest upside expected.
Overall SharesGrow Score: 73/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
83/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
25/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — PFS
Valuation Multiples
P/E (TTM)9.9
Forward P/E9.6
PEG Ratio0.09
Forward PEG2.04
P/B Ratio1.02
P/S Ratio2.09
EV/EBITDA11.3
Per Share Data
EPS (TTM)$2.23
Forward EPS (Est.)$2.33
Book Value / Share$21.71
Revenue / Share$10.59
FCF / Share$3.29
Yields & Fair Value
Earnings Yield10.10%
Forward Earnings Yield10.45%
Dividend Yield4.35%
Graham Number$33.01
SharesGrow IV$37.88 (+69.6%)
Analyst Target$25.00 (+12%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
20.5 |
5.46 |
1.44 |
5.04 |
2.52% |
| 2017 |
18.5 |
3.19 |
1.34 |
4.58 |
3.45% |
| 2018 |
13.2 |
0.54 |
1.15 |
3.74 |
3.42% |
| 2019 |
14.1 |
-3.22 |
1.13 |
3.66 |
4.57% |
| 2020 |
12.9 |
-0.64 |
0.77 |
2.87 |
5.27% |
| 2021 |
11.0 |
0.19 |
1.09 |
3.79 |
3.86% |
| 2022 |
9.1 |
1.33 |
1.00 |
2.88 |
4.51% |
| 2023 |
10.5 |
-0.39 |
0.80 |
1.94 |
5.37% |
| 2024 |
17.9 |
-0.46 |
0.80 |
1.81 |
4.88% |
| 2025 |
8.9 |
0.08 |
0.91 |
1.87 |
4.88% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.38 |
$357.4M |
$87.8M |
24.6% |
| 2017 |
$1.45 |
$379.54M |
$93.95M |
24.8% |
| 2018 |
$1.82 |
$418.51M |
$118.39M |
28.3% |
| 2019 |
$1.74 |
$435.26M |
$112.63M |
25.9% |
| 2020 |
$1.39 |
$435.74M |
$96.95M |
22.2% |
| 2021 |
$2.19 |
$489.15M |
$167.92M |
34.3% |
| 2022 |
$2.35 |
$553.97M |
$175.65M |
31.7% |
| 2023 |
$1.71 |
$695.65M |
$128.4M |
18.5% |
| 2024 |
$1.05 |
$1.14B |
$115.53M |
10.1% |
| 2025 |
$2.23 |
$1.38B |
$291.16M |
21.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.34 |
$2.23 – $2.42 |
$930.32M |
$925.99M – $935.38M |
5 |
| 2027 |
$2.53 |
$2.34 – $2.64 |
$982.39M |
$973.58M – $998.56M |
5 |
