PROVIDENT FINANCIAL SERVICES INC (PFS)
Savings Institution, Federally Chartered · Financial Services · $3.0B
Intrinsic Value (Consensus)
$33.09
Current Price
$23.15
Margin of Safety
+42.9%
42.9% Below Intrinsic Value
Value: $33
Price: $23
Valuation Model Estimates
Current Price: $23.15
DCF (Discounted Cash Flow)
$155.00
Graham Number
$33.03
Earnings Power Value
$21.65
Relative Value (P/E)
$44.60
Dividend Discount Model
Not applicable
—
Consensus Value
$33.09
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
73
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
16/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (14.3%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.23
- EPS (Forward)
- $2.68
- Book Value
- $21.74
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.3%
- Debt/Equity
- —
- Revenue Growth
- 7.1%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance