Provident Financial Services Stock Market Outlook
| PFS Stock | USD 22.70 0.56 2.53% |
Slightly above 53% of Provident Financial's private investors are presently thinking to get in. The analysis of overall sentiment of trading Provident Financial Services stock suggests that some investors are interested at this time. Provident Financial's investing sentiment can be driven by a variety of factors including economic data, Provident Financial's earnings reports, geopolitical events, and overall market trends.
Comfort Level 53
Impartial
Panic | Confidence |
Today, several news technology companies offer sentiment data to assist traders in manufacturing news sentiment indicators for investment decisions. We partner with these technology firms in helping retail investors build forecasting models that use Provident Financial's input sentiment indicators derived from textual data and news published on major financial information outlets and social sites. These indicators can be used to analyze time-dependent numerical information representing public perception toward Provident Financial Services.
News SentimentBullish | Hype SentimentBullish | Insider SentimentDisposing |
Considering the 90-day investment horizon and your typical level of risk aversion, our recommendation regarding Provident Financial Services is 'Strong Buy'. A buy or sell recommendation is an automated directive regarding whether to purchase or sell Provident Financial Services given historical horizon and risk tolerance. When we issue a 'buy' or 'sell' recommendation for Provident Financial Services, the advice is generated through an automated system that utilizes algorithms and statistical models.
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Execute Provident Financial Advice
The Provident recommendation should be used to complement the investment advice compiled from the current analysts' consensus on Provident Financial Services. Macroaxis does not own or have any residual interests in Provident Financial Services or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Provident Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Buy
Market Performance | Solid | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
For the selected time horizon Provident Financial Services has a Risk Adjusted Performance of 0.1311, Jensen Alpha of 0.2518, Total Risk Alpha of 0.1884, Sortino Ratio of 0.1908 and Treynor Ratio of 0.2714Our recommendation module complements current analysts and expert consensus on Provident Financial. It analyzes the company potential to grow using all fundamental, technical, and market related data available at the time. To make sure Provident Financial is not overpriced, please check all Provident Financial fundamentals, including its revenue, short ratio, five year return, as well as the relationship between the cash per share and beta . Given that Provident Financial has a number of shares shorted of 3.58 M, we recommend you to check out Provident Financial market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your recent risk tolerance and investing horizon.
Provident Financial Trading Alerts and Improvement Suggestions
| About 73.0% of the company shares are owned by institutional investors | |
| Latest headline from insidermonkey.com: Western Alliance Bancorporation Q4 2025 Earnings Call Transcript |
Provident Financial Returns Distribution Density
The distribution of Provident Financial's historical returns is an attempt to chart the uncertainty of Provident Financial's future price movements. The chart of the probability distribution of Provident Financial daily returns describes the distribution of returns around its average expected value. We use Provident Financial Services price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Provident Financial returns is essential to provide solid investment analysis for Provident Financial.
| Mean Return | 0.31 | Value At Risk | -1.78 | Potential Upside | 3.51 | Standard Deviation | 1.83 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Provident Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Provident Stock Institutional Investors
The Provident Financial's institutional investors refer to entities that pool money to purchase Provident Financial's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| Shares | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 1.3 M | Nuveen, Llc | 2025-06-30 | 978.9 K | Hsbc Holdings Plc | 2025-06-30 | 876.1 K | Goldman Sachs Group Inc | 2025-06-30 | 866.3 K | Jpmorgan Chase & Co | 2025-06-30 | 817.5 K | Principal Financial Group Inc | 2025-06-30 | 754.5 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 753.4 K | Amvescap Plc. | 2025-06-30 | 732.1 K | Ledgewood Wealth Advisors, Llc | 2025-06-30 | 680 K | Blackrock Inc | 2025-06-30 | 19 M | Vanguard Group Inc | 2025-06-30 | 14.7 M |
Provident Financial Cash Flow Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Capital Expenditures | 4.9M | 12.8M | 13.8M | 9.4M | 7.5M | 1.3M | |
| Net Income | 167.9M | 175.6M | 128.4M | 115.5M | 291.2M | 305.7M | |
| End Period Cash Flow | 712.5M | 186.4M | 180.2M | 205.9M | 236.7M | 190.8M | |
| Change In Cash | 180.1M | (498.7M) | (6.3M) | 25.7M | (205.9M) | (195.6M) | |
| Free Cash Flow | 144.4M | 190.9M | 165.9M | 425.1M | 488.8M | 513.3M | |
| Depreciation | 22.7M | 23.7M | 22.2M | 54.6M | 62.8M | 65.9M | |
| Other Non Cash Items | (21.5M) | (9.3M) | 20.3M | 220.8M | (291.2M) | (276.6M) | |
| Dividends Paid | 71.5M | 72.0M | (72.4M) | (101.0M) | (90.9M) | (86.3M) | |
| Investments | (985.3M) | (655.3M) | (508.3M) | 507.7M | 456.9M | 479.8M | |
| Change Receivables | 2.4M | 8.5M | 4.5M | (9.9M) | (8.9M) | (8.5M) | |
| Net Borrowings | (564.2M) | 710.6M | 632.7M | (514.3M) | (462.9M) | (439.8M) | |
| Change To Netincome | 2.8M | 4.9M | 48.6M | (16.5M) | (14.8M) | (14.1M) |
Provident Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Provident Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Provident Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Provident stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.25 | |
β | Beta against Dow Jones | 1.12 | |
σ | Overall volatility | 1.88 | |
Ir | Information ratio | 0.14 |
Provident Financial Volatility Alert
Provident Financial Services has relatively low volatility with skewness of 1.22 and kurtosis of 3.61. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Provident Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Provident Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Provident Financial Fundamentals Vs Peers
Comparing Provident Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Provident Financial's direct or indirect competition across all of the common fundamentals between Provident Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Provident Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Provident Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Provident Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Provident Financial to competition |
| Fundamentals | Provident Financial | Peer Average |
| Return On Equity | 0.11 | -0.31 |
| Return On Asset | 0.0119 | -0.14 |
| Profit Margin | 0.34 % | (1.27) % |
| Operating Margin | 0.54 % | (5.51) % |
| Current Valuation | 5.2 B | 16.62 B |
| Shares Outstanding | 130.62 M | 571.82 M |
| Shares Owned By Insiders | 2.47 % | 10.09 % |
| Shares Owned By Institutions | 73.24 % | 39.21 % |
| Number Of Shares Shorted | 3.58 M | 4.71 M |
| Price To Earning | 12.34 X | 28.72 X |
| Price To Book | 1.02 X | 9.51 X |
| Price To Sales | 3.34 X | 11.42 X |
| Revenue | 1.38 B | 9.43 B |
| Gross Profit | 866.82 M | 27.38 B |
| EBITDA | 408.16 M | 3.9 B |
| Net Income | 291.16 M | 570.98 M |
| Cash And Equivalents | 381.36 M | 2.7 B |
| Cash Per Share | 5.13 X | 5.01 X |
| Total Debt | 2.52 B | 5.32 B |
| Debt To Equity | 0.30 % | 48.70 % |
| Book Value Per Share | 21.69 X | 1.93 K |
| Cash Flow From Operations | 426.38 M | 971.22 M |
| Short Ratio | 4.52 X | 4.00 X |
| Earnings Per Share | 2.22 X | 3.12 X |
| Price To Earnings To Growth | 1.84 X | 4.89 X |
| Target Price | 25.0 | |
| Number Of Employees | 1.75 K | 18.84 K |
| Beta | 0.85 | -0.15 |
| Market Capitalization | 2.89 B | 19.03 B |
| Total Asset | 24.98 B | 29.47 B |
| Retained Earnings | 1.15 B | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 4.16 % |
Note: Disposition of 76327 shares by Christopher Martin of Provident Financial at 18.7 subject to Rule 16b-3 [view details]
Provident Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Provident . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
Provident Financial Target Price Consensus
Provident target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Provident Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 5 | Strong Buy |
Most Provident analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Provident stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Provident Financial, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationProvident Financial Target Price Projection
Provident Financial's current and average target prices are 22.70 and 25.00, respectively. The current price of Provident Financial is the price at which Provident Financial Services is currently trading. On the other hand, Provident Financial's target price is what analysts think the stock is worth. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Provident Financial Market Quote on 3rd of February 2026
Target Price
Analyst Consensus On Provident Financial Target Price
Provident Financial Analyst Ratings
Provident Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Provident Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Provident Financial's financials, market performance, and future outlook by experienced professionals. Provident Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Analyst Consensus Breakdown
Average Consensus Estimates
About Provident Financial Buy or Sell Advice
When is the right time to buy or sell Provident Financial Services? Buying financial instruments such as Provident Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having Provident Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Convertibles Funds Thematic Idea Now
Convertibles Funds
Funds or Etfs that invest in debt that is expected to be converted into a predetermined amount of the company equity at some future date. The Convertibles Funds theme has 13 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Convertibles Funds Theme or any other thematic opportunities.
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Additional Tools for Provident Stock Analysis
When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.