PFS Stock Analysis: Buy, Sell, or Hold?
PFS - Provident Financial Services, Inc.
$22.70
0.56 (2.53%)
▲
5d:
+10.25%
30d:
+14.94%
90d:
+22.77%
HOLD
MODERATE Confidence
Last Updated: February 2, 2026
Earnings: Apr 23, 2026
Get Alerted When PFS Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD - EXTENDED: PFS is 7.6% above fair value ($21.09). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: PFS is 7.6% above fair value ($21.09). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$29.72
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$18.45
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PFS is currently trading at $22.70, which is considered extended relative to its 30-day fair value range of $19.76 to $21.09. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (8.5). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PFS is in a uptrend. The price is approaching resistance at $22.92. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFS has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $25.00 (+10.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PFS is in a uptrend. The price is approaching resistance at $22.92. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFS has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $25.00 (+10.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$19.76 -
$21.09
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
55.7%
All Signals
- BEARISH: Price extended above range (+7.6% above fair value)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($25.00)
- NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$19.76 -
$21.09
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$19.80
Resistance Level
$22.92
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
8.81
Wall Street Target
$25.00
(+10.1%)
Revenue Growth (YoY)
15.2%
Earnings Growth (YoY)
72.1%
Profit Margin
33.6%
Valuation Premium vs History
+1.2% premium
PE vs Historical
8.8 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.2%
(market-implied from PE analysis)
1-Year Target
$22.97
(+1%)
2-Year Target
$23.25
(+2%)
3-Year Target
$23.53
(+4%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$22.71
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 8.6%)
$73.70
(+225%)
Base:
(SPY PE: 8.8, Growth: 8.6%)
$29.11
(+28%)
Bear:
(PE: 7.5, Growth: 8.6%)
$24.74
(+9%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.97 | Current EPS (TTM): $2.22
Bull Case
$28.28
(+25%)
Analyst growth 16.1%, PE expands to 11.0
Base Case
$25.71
(+13%)
Market implied 16.1%, PE stable at 10.0
Bear Case
$15.06
(-34%)
Severe decline -20.0%, PE contracts to 8.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: February 03, 2026 3:05 AM ET
Data refreshes hourly during market hours. Next update: 4:05 AM
Data refreshes hourly during market hours. Next update: 4:05 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is PFS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
James A Christy
SELL
3000 shares
2025-09-12
John Pugliese
SELL
25000 shares
2025-09-11
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$63 | 61 BUY |
|
FITB
Fifth Third Bancorp |
BUY
24 analysts |
$57 | 64 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$246 | 60 HOLD |
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 59 HOLD |
|
WBS
Webster Financial Corpor… |
STRONG BUY
16 analysts |
$76 | 61 BUY |
