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Provident Financial Services, Inc. (PFS) Total Return Calculator with Dividends Reinvested

Provident Financial Services, Inc.

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The total return for Provident Financial Services, Inc. (PFS) stock is +39.46% over the past 12 months. So far it's up 14.99% this year. The 5-year total return is +7.88%, meaning $10,000 invested in PFS stock 5 years ago would be worth $10,788 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in PFS 1 year ago, it would be worth $13,728 today — you'd have gained $3,728 with dividends reinvested.

With Dividends Reinvested$13,728+37.28%

Price Only (No DRIP)$13,064+30.64%

Dividend Boost+$6644 payments · +6.64% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in PFS

1Y$13,946+$3,946 (+39.5%)39.5% CAGR

3Y$16,472+$6,472 (+64.7%)18.1% CAGR

5Y$10,788+$788 (+7.9%)1.5% CAGR

10Y$16,188+$6,188 (+61.9%)4.9% CAGR

15Y$24,936+$14,936 (+149.4%)6.3% CAGR

20Y$20,257+$10,257 (+102.6%)3.6% CAGR

30Y$24,387+$14,387 (+143.9%)3.0% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-16	$0.24	$17.50	+0.013714
2025-08-15	$0.24	$18.76	+0.012969
2025-11-14	$0.24	$18.54	+0.013290
2026-02-13	$0.24	$22.96	+0.010871

Loading PFS total return...

As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+14.99%	—	+13.77%	+1.22 pp	$11,499
1Y	+39.46%	39.46%	+33.75%	+5.71 pp	$13,946
3Y	+64.72%	18.10%	+46.00%	+18.71 pp	$16,472
5Y	+7.88%	1.53%	-11.04%	+18.92 pp	$10,788
10Y	+61.88%	4.93%	+14.35%	+47.53 pp	$16,188
15Y	+149.36%	6.28%	+60.73%	+88.63 pp	$24,936
20Y	+102.57%	3.59%	+22.99%	+79.58 pp	$20,257
30Y	+143.87%	3.02%	+44.97%	+98.90 pp	$24,387

Risk & Highlights

Best Year+49.46%2016

Worst Year-28.91%2009

Max Drawdown-15.38%2026-02-06 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+7.75%	+6.53%	+1.2pp	+0.41%	+7.3pp
2025	+11.34%	+6.18%	+5.2pp	+16.64%	-5.3pp
2024	+9.38%	+4.08%	+5.3pp	+24.00%	-14.6pp
2023	-11.59%	-16.06%	+4.5pp	+24.81%	-36.4pp
2022	-9.23%	-13.14%	+3.9pp	-19.95%	+10.7pp

PFS outperformed the S&P 500 by 9.09pp over the past year (+39.46% vs +30.37%).

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PFS Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
PFSProvident Financial Services, Inc.	$2.9B	+4.0%	+15.0%	+39.5%	+5.7pp	+64.7%	+7.9%	+61.9%
NBTBNBT Bancorp Inc.	$2.4B	+2.5%	+9.3%	+9.0%	+3.4pp	+54.1%	+29.9%	+102.2%
WSFSWSFS Financial Corporation	$3.8B	+8.0%	+31.2%	+37.7%	+1.3pp	+135.3%	+43.1%	+129.0%
OCFCOceanFirst Financial Corp.	$1.1B	+1.2%	+8.1%	+20.5%	+4.9pp	+55.7%	+2.5%	+45.4%
KRNYKearny Financial Corp.	$508M	+3.5%	+12.9%	+37.9%	+8.8pp	+32.6%	-20.5%	-9.0%
NFBKNorthfield Bancorp, Inc.	$588M	+2.2%	+26.5%	+31.5%	+5.8pp	+65.7%	+0.2%	+20.6%
COLBColumbia Banking System, Inc.	$7.0B	+6.8%	+6.2%	+32.6%	+6.2pp	+75.3%	-18.1%	+51.1%
TRMKTrustmark Corporation	$2.6B	+3.6%	+15.5%	+32.5%	+2.8pp	+118.5%	+47.6%	+127.7%
FULTFulton Financial Corporation	$4.1B	+3.1%	+11.1%	+29.6%	+4.3pp	+130.4%	+41.4%	+106.1%
AMSFAMERISAFE, Inc.	$569M	-10.4%	-18.3%	-29.2%	+5.6pp	-24.8%	-18.9%	+31.8%
DCOMDime Community Bancshares, Inc.	$1.6B	+6.5%	+26.4%	+46.6%	+3.8pp	+129.1%	+22.7%	+68.6%

Compare:PFS vs NBTB PFS vs WSFS PFS vs OCFC PFS vs NBTB vs WSFS

About PFS Dividend Returns

Provident Financial Services, Inc. (PFS) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of PFS over the past year?

Provident Financial Services, Inc. (PFS) delivered a total return of 39.46% over the past year when dividends are reinvested. The price-only return was 33.75%, meaning dividends contributed an additional 5.71 percentage points to total returns.

Q2How much would $10,000 invested in PFS be worth today?

A $10,000 investment in Provident Financial Services, Inc. one year ago would be worth $13,946 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $13,375. Dividend reinvestment added $571 to the portfolio value.

Q3Does PFS pay dividends?

Yes, Provident Financial Services, Inc. (PFS) pays dividends. In the last year, PFS paid approximately $0.96 per share in dividends (4.29% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did PFS beat the S&P 500?

Yes, Provident Financial Services, Inc. (PFS) outperformed the S&P 500 by 9.09 percentage points over the past year. PFS delivered a total return of 39.46%, compared to the S&P 500's 30.37%. This 9.09pp alpha means investors in PFS earned more than a passive S&P 500 index fund.

Q5What is PFS's worst drawdown?

Provident Financial Services, Inc. (PFS) experienced a maximum drawdown of -15.38% over the past year, declining from its peak on 2026-02-06 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is PFS's long-term total return over 10, 20, or 30 years?

Here are Provident Financial Services, Inc. (PFS)'s long-term returns with dividends reinvested. Over 10 years, the total return is 61.9% (4.9% CAGR) — $10,000 would have grown to $16,188. Over 20 years: 102.6% total return (3.6% CAGR) — $10,000 → $20,257. Over 30 years: 143.9% total return (3.0% CAGR) — $10,000 → $24,387. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was PFS's best and worst year?

Provident Financial Services, Inc.'s best calendar year was 2016 with a total return of 49.5%. Its worst year was 2009 with a total return of -28.9%. This range shows the volatility investors should expect — the difference between the best and worst year is 78.4 percentage points.