|
Provident Financial Services Inc.
(PFS)
|
| |
| Sector: |
Financial |
| Industry: |
Savings & Loans |
| Stock Type: | Cyclical |
| Top Industry Grower: | OCFC |
PFS was last updated 35 days 12 hours 9 minutes ago. Use MrStockQuickie's
Free Value Investor Tool to view this data in real time.
The Numbers
| metric | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| ROA * Leverage | --- | 2.4% | 5.2% | 5.3% | 5.1% | 3.9% | 3.9% |
| Equity/Share | --- | $14.34 | $18.64 | $16.31 | $16.71 | $16.96 | $18.14 |
| Earnings/Share | --- | $0.31 | $0.80 | $0.88 | $0.87 | $0.63 | $0.69 |
| Net Int Income/Share | --- | $2.28 | $2.66 | $2.75 | $2.70 | $2.63 | $2.95 |
| Fee Income/Share | --- | $0.29 | $0.33 | $0.35 | $0.38 | $0.42 | $0.00 |
| Net Int Margin | 180.5% | 237.9% | 241.7% | 191.1% | 139.9% | 104.9% | 117.2% |
The Trends
long term trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
|---|
| 1% | 1% | 2% | 1% | -4% |
|
growth acceleration trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
|---|
| -0% | 1% | -8% | 1% | 1% |
|
Quick Financial Health
ebit/interest [on debt]
| PFS | EQUITY_INDUSTRY | market |
|---|
| 2.56 | -1.20 | 58.30 |
|
equity/debt
| 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| 1.11 | 0.95 | 1.08 | 1.2 | 0.93 | Low Debt |
|
growth
| 5 | 3 | 1 |
|---|
| 1,452% | 9,661% | 106,999,910% |
|
assets/liabilities
| 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| 1.24 | 1.21 | 1.22 | 1.22 | 1.19 | 1.19 |
|
|
The Ratios
PEG
| Entity | Current | Next Year (Current PE) | Next Year (Forward PE) | Five Year |
|---|
| PFS | 0.60 | 1.84 | 1.63 | 2.48 | | Industry | 0.33 | 0.88 | 0.62 | 0.00 | | Market | 0.39 | 0.91 | 0.74 | 0.96 |
|
Valuations
| Entity | Price/Earnings | Price/Book | Price/Sales | Price/Cash Flow | Div. Yield (%) |
|---|
| PFS | 18.3 | 0.7 | 3.6 | 11.9 | 3.5 | | Industry | 15.7 | 17.7 | 1.8 | 8.1 | 1.5 | | Market | 12.0 | 2.8 | 1.6 | 8.4 | 3.9 |
|
The Pricing Metrics
Growth Rates
| Zacks | Reuters | Thomson Fin. | BVPS | EPS | NIIPS | FIPS |
|---|
| 6.5% | 6.5% | 6.5% | 1.4% | -2.2% | 2.5% | 8.6% | | Next Year's Growth Estimate | 9.9% | | Priced-In Growth | 6.5% | | Intrinsic Growth | 2.3% |
|
Mulitple History
| 2003 | 2004 | 2005 | 2006 | 2007 | TTM |
|---|
| 56.8 | 22.8 | 20.3 | 21.0 | 26.1 | 18.2 | | Front Loaded Estimate | 19.1 | | High Growth Estimate | 4.7 | | Five Year Avgerage | 30.0 |
|
Quality and Value
Quality (0-10)
| Inferior | Low | Below Avg. | Average | Above Avg. | High | Superior |
|---|
| 1.0 | | | | | | |
|
Valuations
| | PE | EPS | PRICE | VALUE/PRICE | MOS |
|---|
| Current Price | 18.3 | $0.69 | $12.60 | 1.000 | 0.0% | | Intrinsic Value | 4.7 | $0.57 | $2.64 | 0.210 | -377.0% | | Price Adjusted for Industry | 14.9 | $0.69 | $10.27 | 0.815 | -22.6% | | Price Adjusted for Market | 10.2 | $0.69 | $7.02 | 0.557 | -79.4% | | EPS estimated FY08 Price | 18.2 | $0.82 | $14.95 | 1.186 | 15.7% | | Short % of Float | 5.3% |
|
