Eastern Bankshares vs Provident Financial Services
EBC and PFS side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How EBC and PFS compare
Eastern Bankshares is the larger company, worth 1.7 times as much as Provident Financial Services ($5.3B against $3.0B).
On earnings, Provident Financial Services is cheaper: it trades at 9.7× trailing earnings, against 13.3× for Eastern Bankshares.
Eastern Bankshares grew revenue faster over the last twelve months (17.0% versus 7.9% for Provident Financial Services).
Provident Financial Services keeps more of each dollar of sales as profit, with a net margin of 402% compared with 251% at Eastern Bankshares.
Both pay dividends: Eastern Bankshares yields 2.4% and Provident Financial Services 4.2%.
Eastern Bankshares scores higher on the StockData Score (17 against 15 for Provident Financial Services), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | EBC | PFS |
|---|---|---|
| Size and price | ||
| Market cap | $5.3B | $3.0B |
| Share price | $22.98 | $23.04 |
| Change, 1 year | 32.1% | 23.7% |
| Change, 5 years | 8.3% | −6.1% |
| Beta (5Y) | 0.72 | 0.75 |
| Employees | 2,450 | 1,866 |
| StockData Score | ||
| Total score | 17 (better) | 15 |
| Valuation score | 2 | 3 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 5 | 5 |
| Health score | 4 (better) | 3 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 13.3× | 9.7× (better) |
| P/S | 34.6× (better) | 39.0× |
| P/B | 1.3× | 1.0× (better) |
| P/FCF | – | 10.0× |
| FCF yield | – | 10.0% |
| Fair value | $22.18 | $25.16 |
| Margin of safety | −3.6% | 8.4% (better) |
| Growth | ||
| Revenue growth (TTM) | 17.0% (better) | 7.9% |
| Revenue growth, 5Y average | −2.8% | 9.9% (better) |
| Net income growth (TTM) | 670% (better) | 21.0% |
| EPS growth (TTM) | 592% (better) | 21.4% |
| EPS growth, 5Y average | 27.0% (better) | 9.9% |
| Profitability | ||
| Net margin | 251% | 402% (better) |
| FCF margin | – | 391% |
| Return on equity | 9.5% | 11.0% (better) |
| Financial health | ||
| Altman Z-score | 0.22 (better) | 0.15 |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.4% | 4.2% (better) |
| Payout ratio | 32.5% | 40.1% |
| Years of dividend growth | 4 (better) | 0 |
| Dividend growth, 5Y average | – | 0.85% |
| Buyback yield | 4.9% (better) | 0.34% |
| Shareholder yield | 7.4% (better) | 4.5% |
| Ownership | ||
| Held by institutions | 84.6% | 76.2% |
| Held by insiders | 1.1% | 2.9% |
| Insider net buying, 12 months | −$3.8M | −$2.2M (better) |
| Short interest, % of float | 8.4% | 4.7% |
Go deeper
- EBC stock overview
- EBC income statement
- EBC valuation and score
- PFS stock overview
- PFS income statement
- PFS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.