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PFSProvident Financial Services, Inc.
$19.85
Analysis updated: Jan 15, 2026

Investment Thesis

PFS is a market laggard (RS 55/99, Top 45%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

Weak relative strength + ordinary growth = Pass

Key Takeaways

Earnings Momentum

+3%
Q4'24
$0.37
+14%
Q1'25
$0.49
+600%
Q2'25
$0.55
+53%
Q3'25
$0.55
Earnings Growing

Price Structure

Aligned Uptrend
Price
$19.85
50 DMA
$19.64
100 DMA
$19.52
150 DMA
$19.05
200 DMA
$18.42
Alignment Score: 4/4✓ Confirmed Uptrend

PFS Price Chart

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50 DMA150 DMA200 DMA
LEADERSHIP TEST FAILED

RS Rating 55/99 is in Bottom 55% of market. Minervini target: Top 20% (RS 80+)

Why Not BUY Yet?

RS Rating
55 (Top 45%)>80 (Top 20%)
Pattern
No base formingVCP or constructive base
Breakout Status
-4.0% from entry ($20.68)Breakout confirmation (hold above entry)

What Would Change Our Mind?

To turn bullish on PFS, we need:

Twin Engines Dashboard

Technical Health

RS Rating
55/99
Top 45% (Need 80+)
Trend
Aligned Uptrend
Above 200 DMA
RSI (14)
44
NEUTRAL
VCP Setup
COOL
Score: 5/9
Volume
842K
+2% vs avg
From Entry
-4.0%
$20.68

Fundamental Horsepower

EPS Qtr YoY
+53%
Growing
EPS 3Y CAGR
-22%
Annual Earnings
Revenue Qtr
N/A
NO DATA
F-Score
4/9
Piotroski Quality
ROE
5%
Return on Equity
EPS Rank
83/99
Percentile

Trade Plan

Struggling

Broke out 1 month ago at $20.68 — -4% below entry.

Breakout underperforming. Wait for price to reclaim entry or form a new base.

Breakout Date2025-12-1036 days ago
Entry Was$20.68Breakout price
Loss Since-4%From entry
Wait For$20.68Reclaim entry or new base

If/Then Playbook

IF: RS Rating improves to >80
THEN: Re-evaluate for WATCHLIST
IF: Price closes below 200 DMA
THEN: Remove from radar entirely
IF: EPS growth accelerates to >40% next quarter
THEN: Reassess as potential turnaround

Key Price Levels

Resistance

  • 20 DMA$20.29+2.2%
  • 52W High$21.29+7.3%
Current$19.85

Support

  • 50 DMA$19.64-1.1%
  • 200 DMA$18.42-7.2%
  • 52W Low$14.34-27.8%

Frequently Asked Questions

Is PFS stock a buy now?

PFS is a market laggard (RS 55/99, Top 45%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

What is the buy point for PFS?

PFS broke out at $20.68 1 month(s) ago but is now -4% below entry. Wait for new base pattern.

What is PFS's RS Rating?

PFS has an RS Rating of 55/99, meaning it's in the Top 45% of all stocks for relative price performance over the past 12 months. Minervini recommends RS 80+ for momentum trades.

Important Disclosure: This analysis is for educational and informational purposes only. Technical and fundamental indicators are based on historical data and do not guarantee future performance. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.