Operates as the bank holding company for Provident Bank, providing a full range of financial services. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 30% a year over the last 4 years. Every year shown ended in profit.
The market pays 10.4× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 96% of them.
Analysts' average target sits 14% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
Clearly above the class average — a step short of the very top.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 10% off the top. A pullback, not a collapse.
The net profit margin is 21% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 30% a year on average.
It pays out $0.96 per share each year — regular cash for whoever holds the stock.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 41/100.
On our five-subject report card, PFS sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: PFS is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.