What Is Provident Financial Services, I (PFS) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Provident Financial Services, I presents a highly debated valuation profile at its current price of $23.52. The composite intrinsic value is estimated at $31.60 (+34.4% average upside), masking a wide model spread between the 6 bullish models and 6 bearish models. Model dispersion is worth noting: ML-RIV targets $110.25 (+368.8%), versus EROIC at $1.45 (-93.8%). This +462.7% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About PFS?
12 of 13 models are currently active for PFS. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates PFS's intrinsic value at $63.96, implying +172.0% upside from the current price. See which stocks rank higher →
How Does PFS Rank in Savings Institution, Federally Chartered?
Among 36 Savings Institution, Federally Chartered stocks, PFS ranks #9 by Quality of Company score. CirclFi's QOC score of 8.1/10 evaluates 32 fundamental signals. A score of 8.1 places PFS in the top tier.
See all Most Undervalued Savings Institution, Federally Chartered Stocks →
Provident Financial Services, I operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is PFS a Value Trap?
CirclFi's Value Trap algorithm assigns PFS a score of 26/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Provident Financial Services, I. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Provident Financial Services, I is rated at 8.1/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +462.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PFS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PFS's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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