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 2,209M combined for its competitors (28.8% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.8% annualized vs trailing 12 months), vs decelerating (-18.1%) for its tracked peer group.
- Growth: Provident Financial Services Inc generated 3.8% revenue growth year over year in Q2 2026, vs -9.3% for its competitors combined.
- Profitability: Its 34.7% net margin compares with -47.2% for the peer group.
- Scale: Provident Financial Services Inc ranks #5 of 38 companies by market capitalization in the S&Ls Savings Banks industry, holding 9.3% 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 30.3% a year earlier.
- Peer differentiation: Revenue per employee of $0.48M compares with $0.03M for the peer group (17.9x).
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 -9.29 %.
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 30.33 % a year earlier.
API endpoints for this dataset
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 Provident Financial Services Inc reports; 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 (8) | $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 2,094.9% year over year, combined, vs 3.8% for Provident Financial Services Inc. Provident Financial Services Inc's share of combined industry revenue moved from 4.28% to 0.20%, a loss of 4.07 percentage points.
Provident Financial Services Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Provident Financial Services Inc | Yes | Yes | Yes | 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 | Waterstone Financial Inc | 282.9% | Outperformed |
| 4 | Magyar Bancorp Inc | 282.9% | Outperformed |
| 5 | Unity Bancorp inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Provident Financial Services Inc's best-performing 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 |
2,993.72 | 894.27 |
 Bank Bradesco |
13,455.15 | 118.96 |
 Banc Of California Inc |
2,801.34 | 1,016.11 |
 Oceanfirst Financial Corp |
1,778.57 | 509.64 |
 Unity Bancorp inc |
585.53 | 133.75 |
 Kearny Financial Corp |
569.61 | 176.41 |
| SUBTOTAL | 23,210.50 | 3,222.20 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
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 Provident Financial Services Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Bradesco | Company report | 85% |
| Lakeland Bancorp Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Provident Financial Services Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
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 | 2,994 | 479,247 | 167,586 |
| Bank Bradesco | 13,455 | 1,449 | 52,215 |
| Banc Of California Inc | 2,801 | 533,670 | -11,752 |
| Oceanfirst Financial Corp | 1,779 | 534,213 | 49,300 |
| Unity Bancorp inc | 586 | 545,927 | 251,465 |
| Kearny Financial Corp | 570 | 321,330 | 66,055 |
| PEERS TOTAL | 20,217 | 26,823 | 51,611 |
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Provident Financial Services Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 35 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 #5 of 35 companies by market capitalization in its industry, holding 9.35 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,022, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Axos Financial Inc | 5,250 | 16.39 % |
| 2 | Eastern Bankshares Inc | 5,008 | 15.63 % |
| 3 | Tfs Financial Corporation | 4,603 | 14.37 % |
| 4 | Bankunited inc | 3,160 | 9.87 % |
| 5 | Provident Financial Services Inc | 2,994 | 9.35 % |
| 6 | Brookline Bancorp inc | 1,234 | 5.2% |
| 7 | Columbia Financial Inc | 1,234 | 5.2% |
| 8 | Capitol Federal Financial Inc | 1,234 | 5.2% |
| 9 | Hometrust Bancshares Inc | 1,234 | 5.2% |
| 10 | 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 2026-11-06.
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 |
|---|---|---|---|
| 1 | Axos Financial Inc | 5,250 | 14.34 % |
| 2 | Eastern Bankshares Inc | 5,008 | 32.17 % |
| 3 | Tfs Financial Corporation | 4,603 | 18.71 % |
| 4 | Bankunited inc | 3,160 | 10.84 % |
| 5 | Provident Financial Services Inc | 2,994 | 23.74 % |
| 6 | Brookline Bancorp inc | 1,234 | 12.3% |
| 7 | Columbia Financial Inc | 1,234 | 12.3% |
| 8 | Capitol Federal Financial Inc | 1,234 | 12.3% |
| 9 | Hometrust Bancshares Inc | 1,234 | 12.3% |
| 10 | 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 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Provident Financial Services Inc's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (2 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. See the full S&Ls Savings Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.4x | - | - |
| EV / EBITDA | 6.7x | 6.0x | +0.7x |
| P/B | 1.0x | 0.7x | +0.3x |
| Return on Equity | 11.00 % | industry aggregate | 2.23 % |
| Return on Invested Capital | - | - | - |
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 company reports.| 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 % | - | - | - |
| 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 | 9.2x | 17.7x | 8.7x |
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
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Provident Financial Services Inc falls in the Dog quadrant: relative market share of 0.57x vs its largest competitor, in an industry growing revenue 7.7% (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 1,022 (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 12.91 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Provident Financial Services Inc's dedicated Suppliers and Customers pages, not here.
Provident Financial Services Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Provident Financial Services Inc falls in the Low attractiveness / Medium strength cell: Harvest.
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
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
No rule matched.
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 (-18.1% annualized).
Methodology: see Methodology: SWOT Analysis.
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 | 90.31 | 6.18 | - |
| Banc Of California Inc | 0.08 | 0.82 | 0.65 |
| Oceanfirst Financial Corp | 0.02 | 0.04 | 0.65 |
| Unity Bancorp inc | 0.07 | 0.21 | 0.20 |
| Kearny Financial Corp | 0.01 | 0.08 | 1.49 |
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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 % | +31.1 % |
| Banc Of California Inc | Q2 2026 | -22.8 % | - |
| Oceanfirst Financial Corp | Q2 2026 | +82.9 % | -5.3 % |
| Unity Bancorp inc | Q2 2026 | +10.3 % | +20.8 % |
| Kearny Financial Corp | Q2 2026 | +14.9 % | +6.0 % |
| PEERS TOTAL | -23.8 % | +21.6 % |
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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 | -9.8 % | +110.2 % |
| Banc Of California Inc | Q2 2026 | +313.8 % | +106.5 % |
| Oceanfirst Financial Corp | Q2 2026 | +4.3 % | +151.0 % |
| Unity Bancorp inc | Q2 2026 | +73.6 % | +46.3 % |
| Kearny Financial Corp | Q2 2026 | - | +80.9 % |
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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 | 1.01% | 0.97% | 13.12% |
| Banc Of California Inc | - | - | - |
| Oceanfirst Financial Corp | 0.25% | 0.25% | 2.31% |
| Unity Bancorp inc | 1.98% | 1.99% | 16.83% |
| Kearny Financial Corp | 0.47% | 1.06% | 4.79% |
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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 | 9.58 | 3.35 |
| Bank Bradesco | 0.57 | 113.11 |
| Banc Of California Inc | - | 2.76 |
| Oceanfirst Financial Corp | 25.16 | 3.49 |
| Unity Bancorp inc | 9.49 | 4.38 |
| Kearny Financial Corp | 15.81 | 3.23 |
| PEERS AVERAGE | 4.84 | 7.20 |
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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.