Provident Financial Services, I (PFS) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $22.96, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: CRE Loans as % of risk-based capital; Analyst target reached - limited upside remaining.
Provident Financial Services operates Provident Bank, a NJ-chartered savings bank with 141 branches across NJ, PA, and NY following its May 2024 merger with Lakeland Bancorp. Revenue is primarily net interest income from a $19.5B loan portfolio concentrated in commercial real... Read more
Hold if already holding. Not a fresh buy at $22.96, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: CRE Loans as % of risk-based capital; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 44d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-06-10Recent Developments — Provident Financial Services, I
Latest news
- NEWS Stephens & Co. Initiates Coverage On Provident Finl Servs with Equal-Weight Rating, Announces Price Target of $24 — benzinga Jun 8, 2026
- NEWS Keefe, Bruyette & Woods Maintains Outperform on Provident Finl Servs, Raises Price Target to $26 — benzinga May 1, 2026 positive
- NEWS Full Transcript: Provident Finl Servs Q1 2026 Earnings Call — benzinga Apr 30, 2026 neutral
- NEWS Provident Finl Servs Q1 EPS $0.61 Beats $0.55 Estimate, Sales $225.196M Beat $208.384M Estimate — benzinga Apr 29, 2026 positive
- NEWS Earnings Scheduled For April 29, 2026 — benzinga Apr 29, 2026 neutral
Generated 2026-06-15T18:11:46Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfoliocommercial real estate loans38%10-K Item 1: 'Commercial mortgage loans| $| 7,398,792 | | | 38.30 | %'
- MEDIUMloan_portfoliocommercial and industrial loans27%10-K Item 1: 'Commercial loans| 5,200,517 | | | 26.92'
- HIGHloan_portfolioCRE Loans as % of risk-based capital10-K Item 1A: 'Our level of CRE Loans equaled 432.1% of total risk-based capital as of December 31, 2025. Based on the size of our CRE Loan portfolio as a percentage of capital, regulatory oversight of our management of this CRE concentration is elevated.'
- MEDIUMregulatoryFDIC and NJDOBI10-K Item 1A: 'We are subject to extensive regulation, supervision and examination by various regulatory authorities, but primarily by the NJDOBI, our chartering authority, and by the FDIC, as insurer of our deposits.'
Material Events(8-K, last 90d)
- 2026-03-05Item 5.02MEDIUMValerie O. Murray (President of Beacon Trust, EVP & Chief Wealth Management Officer) announced resignation effective May 22, 2026, to pursue other opportunities. No disagreement cited. Separation agreement includes $1.2M lump-sum payment. No successor named.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $22.96, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: CRE Loans as % of risk-based capital; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Target $22.95 (-0.0%), stop $21.92 (−4.7%), A.R:R -0.6:1. Score 6.0/10, moderate confidence.
Take-profit target: $22.95 (0.0% upside). Target $22.95 (-0.0%), stop $21.92 (−4.7%), A.R:R -0.6:1. Stop-loss: $21.92.
Concentration risk — Loan Portfolio: CRE Loans as % of risk-based capital; Analyst target reached - limited upside remaining; Near 52-week high (4.3% away).
Provident Financial Services, I trades at a P/E of 9.6 (forward 9.0). TrendMatrix value score: 8.1/10. Verdict: Hold.
9 analysts cover PFS with a consensus score of 4.0/5. Average price target: $25.
What does Provident Financial Services, I do?Provident Financial Services operates Provident Bank, a NJ-chartered savings bank with 141 branches across NJ, PA, and...
Provident Financial Services operates Provident Bank, a NJ-chartered savings bank with 141 branches across NJ, PA, and NY following its May 2024 merger with Lakeland Bancorp. Revenue is primarily net interest income from a $19.5B loan portfolio concentrated in commercial real estate, commercial loans, and residential mortgages.