Provident Financial Services, Inc. (PFS) P/E Ratio History
Historical price-to-earnings valuation from 2003 to 2025
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PFS Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 7, 2026, Provident Financial Services, Inc. (PFS) trades at a price-to-earnings ratio of 10.1x, with a stock price of $22.61 and trailing twelve-month earnings per share of $2.23.
The current P/E is roughly in line with its 5-year average of 11.1x. Over the past five years, PFS's P/E has ranged from a low of 7.4x to a high of 18.0x, placing the current valuation at the 45th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, PFS trades at a 24% discount to its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 1.02 (P/E divided by 112% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, PFS trades at a notable discount to the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PFS DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PFS P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 13.6 | 1.93 | +13% | |
| $4B | 14.2 | 0.81 | +15% | |
| $1B | 16.3 | 5.85 | -29% | |
| $510M | 19.3 | - | +130% | |
| $587M | 19.5 | - | -16% | |
| $7B | 13.1 | - | -10% | |
| $3B | 12.1 | 1.50 | +2% | |
| $4B | 10.5Lowest | 0.75Best | +32% | |
| $556M | 12.0 | - | -15% | |
| $2B | 15.7 | 2.46 | +331%Best |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
PFS Historical P/E Data (2003–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $19.75 | $2.23 | 8.9x | -47% |
| FY2025 Q3 | $19.28 | $1.96 | 9.8x | -41% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $17.53 | $1.77 | 9.9x | -41% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $17.17 | $1.11 | 15.5x | -8% |
| FY2024 Q4 | $18.87 | $1.05 | 18.0x | +7% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $18.56 | $1.04 | 17.8x | +7% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $14.35 | $1.06 | 13.5x | -19% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $14.57 | $1.60 | 9.1x | -46% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $18.03 | $1.71 | 10.5x | -37% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $15.29 | $2.01 | 7.6x | -55% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $16.34 | $2.21 | 7.4x | -56% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $19.18 | $2.31 | 8.3x | -50% |
Average P/E for displayed period: 16.7x
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Start ComparisonPFS — Frequently Asked Questions
Quick answers to the most common questions about buying PFS stock.
Is PFS stock overvalued or undervalued?
PFS trades at 10.1x P/E, near its 5-year average of 11.1x. The 45th percentile ranking places valuation within normal historical bounds.
How does PFS's valuation compare to peers?
Provident Financial Services, Inc. P/E of 10.1x compares to sector median of 13.4x. The discount suggests lower growth expectations or higher risk.
What is PFS's PEG ratio?
PFS PEG ratio is 1.02. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 2003-2025.