Provident Financial Services Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Provident Financial Services Inc (PFS) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Provident Financial Services Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 894M vs 2,124M combined for tracked competitors (29.6% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.8% annualized vs trailing 12 months), vs decelerating (-14.8%) for its tracked peer group.
- Growth: Provident Financial Services Inc generated 3.8% revenue growth year over year in Q2 2026, vs -6.0% for its tracked competitors combined.
- Profitability: Its 34.7% net margin compares with -47.2% for the peer group.
- Scale: Provident Financial Services Inc ranks #6 of 40 companies by market capitalization in the S&Ls Savings Banks industry, holding 0.7% of industry market cap.
- Peer revenue share: Provident Financial Services Inc accounted for 33.3% of combined revenue among its tracked peer group, up from 31.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.48M compares with $0.03M for the peer group (18.5x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PFS Sales vs. its Competitors, Q2 2026
Provident Financial Services Inc reported revenue growth of 3.81 % year on year in Q2 2026, above its competitors' combined revenue change of -5.95 %.
With a net margin of 34.68 %, Provident Financial Services Inc achieved higher profitability than its competitors (-47.24 %).
Provident Financial Services Inc generated 33.25 % of the combined sales of its peer group, up from 31.09 % a year earlier.
Provident Financial Services Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Provident Financial Services Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Provident Financial Services Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (7) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Provident Financial Services Inc's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs 3.8% for Provident Financial Services Inc. Provident Financial Services Inc's share of combined industry revenue moved from 4.30% to 0.20%, a loss of 4.09 percentage points.
Provident Financial Services Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Provident Financial Services Inc | Yes | Yes | No | No |
| Competitors combined (9) | ||||
| Similar-Size Competitors (9) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PFS Stock Performance relative to its Competitors
PFS Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Parke Bancorp Inc | 282.9% | Outperformed |
| 2 | Kearny Financial Corp | 282.9% | Outperformed |
| 3 | Magyar Bancorp Inc | 282.9% | Outperformed |
| 4 | Unity Bancorp inc | 282.9% | Outperformed |
| 5 | Banc Of California Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Provident Financial Services Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Provident Financial Services Inc's Comment on Competition and Industry Peers
The Bank faces intense competition in originating and retaining loans and attracting deposits. The northern and central New Jersey and eastern Pennsylvania market areas have a high concentration of financial institutions, including large money center and regional banks, community banks, credit unions, investment brokerage firms and insurance companies. The Bank faces direct competition for loans from each of these institutions as well as from mortgage companies and other loan origination firms operating in its market area. The Bank’s most direct competition for deposits has come from several commercial banks and savings banks in its market area. Certain of these banks have substantially greater financial resources than the Bank. In addition, the Bank faces significant competition for deposits from the mutual fund and investment advisory industries and from investors’ direct purchases of short-term money market securities and other corporate and government securities.
The Bank competes in this environment by maintaining a diversified product line,
including mutual funds, annuities and other investment services made available
through its investment subsidiaries. Relationships with customers are built
and maintained through the Bank’s branch network, its deployment of branch
ATMs, and its mobile, telephone and web-based banking services.
Publicly Traded Peers of Provident Financial Services Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Provident Financial Services Inc | 2,937.65 | 894.27 |
| Bank Bradesco | 17,745.97 | 118.96 |
| Banc Of California Inc | 2,751.48 | 1,016.11 |
| Oceanfirst Financial Corp | 1,174.40 | 427.64 |
| Kearny Financial Corp | 579.73 | 176.41 |
| Unity Bancorp inc | 571.66 | 130.43 |
| SUBTOTAL | 26,779.77 | 3,136.88 |
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Sources: Provident Financial Services Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Provident Financial Services Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Provident Financial Services Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Bradesco | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Provident Financial Services Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Provident Financial Services Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Provident Financial Services Inc | 2,938 | 479,247 | 167,586 |
| Bank Bradesco | 17,746 | 1,449 | 55,371 |
| Banc Of California Inc | 2,751 | 533,670 | -11,752 |
| Oceanfirst Financial Corp | 1,174 | 448,261 | 50,268 |
| Kearny Financial Corp | 580 | 321,330 | 66,055 |
| Unity Bancorp inc | 572 | 532,359 | 239,273 |
| PEERS TOTAL | 23,842 | 25,840 | 54,573 |
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Provident Financial Services Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 37 companies in Provident Financial Services Inc's industry classification, broader than the peer set above. Market cap in millions of $.Provident Financial Services Inc ranks #6 of 37 companies by market capitalization in its industry, holding 0.68 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 5, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 1.15 % |
| 3 | Eastern Bankshares Inc | 4,633 | 1.07 % |
| 4 | Tfs Financial Corporation | 4,609 | 1.07 % |
| 5 | Bankunited inc | 3,092 | 0.72 % |
| 6 | Provident Financial Services Inc | 2,938 | 0.68 % |
| 7 | Columbia Financial Inc | 1,234 | 5.2% |
| 8 | Brookline Bancorp inc | 1,234 | 5.2% |
| 9 | Capitol Federal Financial Inc | 1,234 | 5.2% |
| 10 | Hometrust Bancshares Inc | 1,234 | 5.2% |
| 11 | Kearny Financial Corp | 1,234 | 5.2% |
Market cap and industry share for the rest of Provident Financial Services Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Provident Financial Services Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 0.50 % |
| 3 | Eastern Bankshares Inc | 4,633 | 17.27 % |
| 4 | Tfs Financial Corporation | 4,609 | 26.89 % |
| 5 | Bankunited inc | 3,092 | 11.56 % |
| 6 | Provident Financial Services Inc | 2,938 | 16.14 % |
| 7 | Columbia Financial Inc | 1,234 | 12.3% |
| 8 | Brookline Bancorp inc | 1,234 | 12.3% |
| 9 | Capitol Federal Financial Inc | 1,234 | 12.3% |
| 10 | Hometrust Bancshares Inc | 1,234 | 12.3% |
| 11 | Kearny Financial Corp | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Provident Financial Services Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Provident Financial Services Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 58.30 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 98.01 % | 37.67 % (avg) | +60.3 pp |
| Capital Intensity (Capex / Revenue) | 2.25 % | 3.69 % (avg) | -1.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Provident Financial Services Inc's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.6x | 29.5x | -19.9x |
| EV / EBITDA | 6.9x | 10.9x | -4.0x |
| P/B | 1.1x | 1.1x | -0.1x |
| Return on Equity | 11.00 % | industry aggregate | 2.03 % |
| Return on Invested Capital | - | 2.28 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Provident Financial Services Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 6.40 % | 2.24 % | 3.88 % | 43.94 % | 4.15 % | -9.17 % | 34.51 % | 42.77 % |
| Operating Margin | 42.79 % | 42.88 % | 42.19 % | 47.60 % | 148.27 % | 38.94 % | 24.64 % | 47.09 % |
| Return on Invested Capital | 3.27 % | 3.34 % | 3.42 % | 5.26 % | 7.59 % | 1.12 % | 0.62 % | 4.80 % |
| P/E | 18.6x | 13.5x | 14.0x | 11.2x | 9.4x | 9.7x | 17.8x | 8.9x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Provident Financial Services Inc's BCG Growth-Share Matrix
Relative market share (vs Provident Financial Services Inc's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Provident Financial Services Inc falls in the Dog quadrant: relative market share of 0.59x vs its largest competitor, in an industry growing revenue 8.5% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Provident Financial Services Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 5 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 2.25 % vs industry average 3.69 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Provident Financial Services Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Provident Financial Services Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Provident Financial Services Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Provident Financial Services Inc falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Provident Financial Services Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
Opportunities
No rule matched.
Threats
- Losing revenue share to the broader industry (-4.1 points over the past year).
- Tracked peer group's revenue run-rate is broadly decelerating (-14.8% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Provident Financial Services Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Provident Financial Services Inc | 0.01 | 0.09 | 1.13 |
| Bank Bradesco | - | 6.18 | - |
| Banc Of California Inc | 0.08 | 0.82 | 0.65 |
| Oceanfirst Financial Corp | 0.02 | 0.04 | 0.44 |
| Kearny Financial Corp | 0.01 | 0.08 | 1.49 |
| Unity Bancorp inc | 0.04 | 0.21 | 0.21 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Provident Financial Services Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Provident Financial Services Inc | Q2 2026 | +3.8 % | +8.6 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +36.4 % |
| Banc Of California Inc | Q2 2026 | -22.8 % | - |
| Oceanfirst Financial Corp | Q2 2026 | +32.2 % | - |
| Kearny Financial Corp | Q2 2026 | +14.9 % | +6.0 % |
| Unity Bancorp inc | Q2 2026 | -5.7 % | -12.2 % |
| PEERS TOTAL | -28.8 % | +26.1 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Provident Financial Services Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Provident Financial Services Inc | Q2 2026 | - | +143.3 % |
| Bank Bradesco | Q4 2025 | - | +118.7 % |
| Banc Of California Inc | Q2 2026 | +313.8 % | +106.5 % |
| Oceanfirst Financial Corp | Q2 2026 | +31.7 % | +85.1 % |
| Kearny Financial Corp | Q2 2026 | - | +80.9 % |
| Unity Bancorp inc | Q2 2026 | -39.7 % | -49.7 % |
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Provident Financial Services Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Provident Financial Services Inc | 1.24% | 3.05% | 11.00% |
| Bank Bradesco | 1.03% | 1.03% | 13.37% |
| Banc Of California Inc | - | - | - |
| Oceanfirst Financial Corp | 0.29% | 0.56% | 2.59% |
| Kearny Financial Corp | 0.47% | 1.06% | 4.79% |
| Unity Bancorp inc | 1.94% | 4.69% | 16.64% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Provident Financial Services Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Provident Financial Services Inc | 9.40 | 3.28 |
| Bank Bradesco | 0.75 | 149.18 |
| Banc Of California Inc | - | 2.71 |
| Oceanfirst Financial Corp | 19.66 | 2.75 |
| Kearny Financial Corp | 16.09 | 3.29 |
| Unity Bancorp inc | 9.74 | 4.38 |
| PEERS AVERAGE | 5.30 | 8.54 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.