Fairvalue-Calculator Fairvalue-Calculator
EN DE

Provident Financial Services, Inc (PFS) Fair Value & Analysis

Financial Services · US · Market cap $2.9B

Price$23.37
Fair Value$29.05
Upside+24.3%
Quality95/100
Evidence: High Range $21.78 – $36.31

Fair value as of: Jun 25, 2026

Analysis

Provident Financial Services, Inc (PFS) currently trades at $23.37, while our model-based Fair Value estimate is $29.05 — implying the stock looks roughly 24.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States. Its deposit products include savings, checking, interest-bearing checking, money market deposit, and certificate of deposit accounts, as well as IRA products. The company's loan portfolio comprises commercial real estate loans that are secured by properties, such as multi-family apartment buildings, retail and industrial properties, and office buildings; commercial business loans; fixed-rate and adjustable-rate mortgage loans collateralized by one- to four-family residential real estate properties; residential mortgage loans; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. It also offers cash management, remote deposit capture, payr…

Open the full interactive analysis →

Similar stocks

State Bank of India (SBID) +79% HDFC Bank Limited (HDFCBANK) +20% ICICI Bank Limited (ICICIBANK) -22% PT Bank Central Asia Tbk (BBCA) +0% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66%

Frequently asked questions

Is Provident Financial Services, Inc (PFS) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $29.05 versus a price of $23.37 — about +24% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PFS?
Our 21-model fair value for Provident Financial Services, Inc is $29.05 (as of Jun 25, 2026), built from audited fundamentals. The current price is $23.37.
What is the quality score of PFS?
Provident Financial Services, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.