Provident Financial Services vs Provident Financial
PFS and PROV side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How PFS and PROV compare
Provident Financial Services is the larger company, worth 26 times as much as Provident Financial ($3.0B against $114M).
On earnings, Provident Financial Services is cheaper: it trades at 9.7× trailing earnings, against 17.8× for Provident Financial.
Provident Financial Services grew revenue faster over the last twelve months (7.9% versus 4.2% for Provident Financial).
Provident Financial Services keeps more of each dollar of sales as profit, with a net margin of 402% compared with 16.0% at Provident Financial.
Both pay dividends: Provident Financial Services yields 4.2% and Provident Financial 3.8%.
Provident Financial Services scores higher on the StockData Score (15 against 9 for Provident Financial), 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 | PFS | PROV |
|---|---|---|
| Size and price | ||
| Market cap | $3.0B | $114M |
| Share price | $23.04 | $18.32 |
| Change, 1 year | 23.7% | 20.1% |
| Change, 5 years | −6.1% | 9.2% |
| Beta (5Y) | 0.75 | 0.17 |
| Employees | 1,866 | 158 |
| StockData Score | ||
| Total score | 15 (better) | 9 |
| Valuation score | 3 (better) | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 5 (better) | 0 |
| Health score | 3 (better) | 2 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 9.7× (better) | 17.8× |
| P/S | 39.0× | 2.8× (better) |
| P/B | 1.0× | 0.9× (better) |
| P/FCF | 10.0× (better) | 11.0× |
| FCF yield | 10.0% (better) | 9.1% |
| Fair value | $25.16 | $16.14 |
| Margin of safety | 8.4% (better) | −13.5% |
| Growth | ||
| Revenue growth (TTM) | 7.9% (better) | 4.2% |
| Revenue growth, 5Y average | 9.9% (better) | 2.6% |
| Net income growth (TTM) | 21.0% (better) | 8.5% |
| EPS growth (TTM) | 21.4% (better) | 14.4% |
| EPS growth, 5Y average | 9.9% (better) | 0.59% |
| Profitability | ||
| Net margin | 402% (better) | 16.0% |
| FCF margin | 391% (better) | 25.3% |
| Return on equity | 11.0% (better) | 5.2% |
| Financial health | ||
| Altman Z-score | 0.15 | 0.35 (better) |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 4.2% (better) | 3.8% |
| Payout ratio | 40.1% | 54.2% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 0.85% (better) | 0.00% |
| Buyback yield | 0.34% | 5.8% (better) |
| Shareholder yield | 4.5% | 9.6% (better) |
| Ownership | ||
| Held by institutions | 76.2% | 57.0% |
| Held by insiders | 2.9% | 9.5% |
| Insider net buying, 12 months | −$2.2M | −$236K (better) |
| Short interest, % of float | 4.7% | 0.25% |
Go deeper
- PFS stock overview
- PFS income statement
- PFS valuation and score
- PROV stock overview
- PROV income statement
- PROV valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.