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Provident Financial Services, Inc.
PFSFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $1.38B | 21.1% | $291.73M | $431.37M | N/A |
| 2027 | $1.47B | 21.1% | $310.11M | $458.55M | $416.86M |
| 2028 | $1.56B | 21.1% | $329.65M | $487.44M | $402.84M |
| 2029 | $1.66B | 21.1% | $350.41M | $518.15M | $389.29M |
| 2030 | $1.77B | 21.1% | $372.49M | $550.79M | $376.20M |
| 2031 | $1.88B | 21.1% | $395.96M | $585.49M | $363.54M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.23 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $23.383 | EPS × (1 + G)^5 |
| Base P/E | 8.9 | P/E |
| Future price | $208.11 | Future EPS × P/E |
| Fair value today | $129.22 | PV @ 10.0% |
| 30% safety price | $90.454 | Margin of safety |
| 50% safety price | $64.61 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $69.885 | $77.309 | $87.432 |
| 10.0% | $62.366 | $67.839 | $74.997 |
| 11.0% | $56.436 | $60.603 | $65.882 |