PFS Stock Analysis: Buy, Sell, or Hold?
PFS - Provident Financial Services, Inc.
$23.05
0.04 (0.17%)
▲
5d:
-0.17%
30d:
+3.36%
90d:
+11.62%
BUY
MODERATE Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Jul 23, 2026
29d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: PFS shows positive signals but monitor for confirmation. Market pricing in 1.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: PFS shows positive signals but monitor for confirmation. Market pricing in 1.7% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$28.77
Based on 5.5% avg growth
INTRINSIC VALUE TODAY
$17.86
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PFS is currently trading at $23.05, which is considered slightly high relative to its 30-day fair value range of $21.81 to $22.88. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (8.7). At these levels, the market is pricing in 1.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PFS is showing sideways momentum. The price is approaching resistance at $23.42. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFS has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PFS is showing sideways momentum. The price is approaching resistance at $23.42. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFS has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$21.81 -
$22.88
Company Quality Score
67/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
72.4%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($25.00)
- NEUTRAL: Market pricing in 1.7% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$21.81 -
$22.88
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$21.51
Resistance Level
$23.42
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.11
Wall Street Target
$25.00
(+8.6%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
24.2%
Profit Margin
34.6%
Valuation Premium vs History
+1.7% premium
PE vs Historical
9.1 vs 8.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$23.40
(+2%)
2-Year Target
$23.80
(+3%)
3-Year Target
$24.20
(+5%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$23.11
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 7.1%)
$67.50
(+193%)
Base:
(SPY PE: 9.1, Growth: 7.1%)
$28.24
(+23%)
Bear:
(PE: 7.7, Growth: 7.1%)
$24.01
(+4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.67 | Current EPS (TTM): $2.35
Bull Case
$26.85
(+17%)
Analyst growth 7.4%, PE expands to 10.6
Base Case
$24.41
(+6%)
Market implied 7.4%, PE stable at 9.7
Bear Case
$15.45
(-33%)
Severe decline -20.0%, PE contracts to 8.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 10:39 AM ET
Data refreshes hourly during market hours. Next update: 11:39 AM
Data refreshes hourly during market hours. Next update: 11:39 AM
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Technical Signals Check
Is PFS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Christopher P Martin
SELL
1050 shares
2026-02-05
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