Provident Financial Services (PFS)
Provides commercial banking, wealth management, and insurance across the New Jersey-centered tri-state region.
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Provides deposit, lending, treasury, wealth management, trust, and insurance services to businesses and households across the New Jersey-centered tri-state region. Most income comes from interest spread, while commercial real estate makes up most of the loan portfolio.
Operates Provident Bank, a relationship-oriented regional lender serving businesses and households across New Jersey, eastern Pennsylvania, and parts of New York. The bank gathers deposits and provides commercial real estate, commercial and industrial, construction, residential mortgage, and consumer loans, alongside treasury and other banking services.
Earns most income from the spread between interest received on loans and securities and interest paid on deposits and borrowings. Beacon Trust Company adds investment management, financial planning, tax, trust, and fiduciary services, while Provident Protection Plus brokers commercial and personal insurance.
Combines a dense branch franchise with specialized commercial teams, extending customer relationships beyond lending into deposits and fee services. Banking activities are regulated by federal and state authorities; commercial real estate constitutes most of the loan portfolio and receives elevated supervisory scrutiny.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 31, 2026 | D.A. Davidson | Target | Target: $20 | Target: $26 |
| Jul 1, 2026 | Raymond James | Reiterate | Rating: —Target: — | Target: $27 |
| Jan 29, 2026 | RBC Capital | Target | Target: $21 | Target: $25 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $3.51B · Total debt $4.79B · Total assets $25.66B · Shareholders' equity $2.91B
- Revenue
- $326.6M
- Operating income
- $74.1M
- Net income
- $78.1M
HistoryDividendAnnual yield
| Institutions | 76.78% | 100.05M shares | |
|---|---|---|---|
| 318 holders · as of Jun 30, 2026 | |||
| Insiders | 2.55% | 3.32M shares | |
| 30 holders · as of Sep 15, 2026 | |||
| Other | 20.67% | 26.94M shares | |
| remainder | |||
130.31M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.77% | 19.24M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 6.32% | 8.23M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 6.27% | 8.17M | as of Jun 30, 2026 |
State Street CorpInstitution | 6.17% | 8.04M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.33% | 5.64M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 14, 2026 | James A. Christy | officer: EVP, CRO of Provident Bank | −3,000 | $23.36 |
| Sep 1, 2026 | Thomas Shara | director | −40,266 | $23.06 |
| Aug 31, 2026 | Thomas Shara | director | −15,900 | $23.30 |
| Aug 18, 2026 | Vito Giannola | officer: EVP & CRBO of provident Bank | −20,000 | $24.36 |
| Jun 12, 2026 | George Lista | officer: Pres/CEO Prov Protection Plus | −3,528 | $23.41 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Provident Financial Services | $22.85 | −0.37% | $2.99B | 9.6 | 9.2 | 2.2 | +9.7% |
| Valley National Bancorp | $13.27 | −1.01% | $7.43B | 11.2 | 9.4 | 2.5 | +13.3% |
| OceanFirst | $17.52 | −0.28% | $1.06B | 20.7 | 8.7 | 1.5 | +36.3% |
| ConnectOne Bancorp | $31.39 | −0.41% | $1.59B | 9.8 | 9.0 | 2.6 | +46.0% |
| Fulton Financial | $23.22 | −0.28% | $4.45B | 11.1 | 10.5 | 2.3 | +13.5% |
| WSFS Bank | $77.63 | −0.20% | $4.05B | 13.0 | 11.8 | 3.0 | +5.6% |
| Peapack-Gladstone Financial | $45.05 | −0.27% | $800.4M | 15.7 | 10.9 | 1.7 | +25.4% |
| Kearny Financial | $9.59 | +0.05% | $602.9M | 16.8 | 12.1 | 1.7 | +11.9% |
| Median | 13.0 | 10.5 | 2.3 | +13.5% |