ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Provident Financial Services, Inc. ?
1
High Profitability with a Net Interest Margin of 18.34%
2
The company has declared Positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 583.76 MM
- OPERATING PROFIT(Q) Highest at USD 102.44 MM
- OPERATING PROFIT MARGIN(Q) Highest at 32.39 %
3
With ROA of 0.49%, it has a very attractive valuation with a 0.87 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -4.44%, its profits have risen by 52.7%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Provident Financial Services, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Provident Financial Services, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Provident Financial Services, Inc.
-4.44%
1.60
31.21%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
28.89%
EBIT Growth (5y)
19.57%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
91.17%
Pledged Shares
0
Institutional Holding
72.34%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.87
EV to EBIT
23.56
EV to EBITDA
17.42
EV to Capital Employed
0.93
EV to Sales
3.71
PEG Ratio
NA
Dividend Yield
313.15%
ROCE (Latest)
3.94%
ROE (Latest)
7.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend36What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 583.76 MM
OPERATING PROFIT(Q)
Highest at USD 102.44 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.39 %
PRE-TAX PROFIT(Q)
Highest at USD 102.44 MM
NII(Q)
Highest at USD 187.09 MM
NET SALES(Q)
At USD 316.31 MM has Grown at 27.64%
NET PROFIT(Q)
Highest at USD 71.98 MM
EPS(Q)
Highest at USD 0.55
-5What is not working for the Company
INTEREST(9M)
At USD 383.04 MM has Grown at 56.42%
GROSS NPA (%)
(Q
Here's what is working for Provident Financial Services, Inc.
Pre-Tax Profit
At USD 102.44 MM has Grown at 4,363.13%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 71.98 MM has Grown at 868.79%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 583.76 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 102.44 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32.39 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 102.44 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
NII
Highest at USD 187.09 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
At USD 316.31 MM has Grown at 27.64%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Profit
Highest at USD 71.98 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.55
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Provident Financial Services, Inc.
Interest
At USD 383.04 MM has Grown at 56.42%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Non Performing Loans (%)
Highest at 0.56%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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