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 1.41%, its profits have risen by 52.7%
Real-Time Research ReportHow much should you hold?
- 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.
38.92%
1.79
31.25%
S&P 500
22.93%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
28.50%
EBIT Growth (5y)
19.63%
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
43.03%
Pledged Shares
0
Institutional Holding
76.77%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.00
EV to EBIT
14.39
EV to EBITDA
12.08
EV to Capital Employed
1.00
EV to Sales
3.87
PEG Ratio
0.12
Dividend Yield
254.98%
ROCE (Latest)
6.97%
ROE (Latest)
10.28%
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
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
ROCE(HY)
Highest at 1.24%
OPERATING PROFIT MARGIN(Q)
Highest at 34.97 %
-5What is not working for the Company
ROCE(HY)
Lowest at 1.24%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 39.46%
Here's what is working for Provident Financial Services, Inc.
Operating Profit Margin
Highest at 34.97 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Here's what is not working for Provident Financial Services, Inc.
Non Performing Loans (%)
Highest at 0.73%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 39.46%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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