Intrinsic value of Provident Financial Services - PFS

Previous Close

$27.86

  Intrinsic Value

$0.00

stock screener

  Rating & Target

str. sell

-100%

Previous close

$27.86

 
Intrinsic value

$0.00

 
Up/down potential

-100%

 
Rating

str. sell

Our model is not good at valuating stocks of financial companies, such as PFS.

We calculate the intrinsic value of PFS stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2017), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 1.8

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046
   2047

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  6.40
  6.26
  6.13
  6.02
  5.92
  5.83
  5.74
  5.67
  5.60
  5.54
  5.49
  5.44
  5.40
  5.36
  5.32
  5.29
  5.26
  5.23
  5.21
  5.19
  5.17
  5.15
  5.14
  5.12
  5.11
  5.10
  5.09
  5.08
  5.07
  5.07
Revenue, $m
  349
  371
  394
  417
  442
  468
  495
  523
  552
  583
  614
  648
  683
  719
  758
  798
  840
  884
  930
  978
  1,029
  1,082
  1,137
  1,195
  1,256
  1,321
  1,388
  1,458
  1,532
  1,610
Variable operating expenses, $m
  71
  76
  80
  85
  90
  95
  101
  107
  113
  119
  125
  132
  139
  147
  155
  163
  171
  180
  190
  200
  210
  221
  232
  244
  256
  269
  283
  297
  313
  328
Fixed operating expenses, $m
  127
  130
  132
  135
  138
  141
  144
  148
  151
  154
  158
  161
  165
  168
  172
  176
  180
  183
  187
  192
  196
  200
  205
  209
  214
  218
  223
  228
  233
  238
Total operating expenses, $m
  198
  206
  212
  220
  228
  236
  245
  255
  264
  273
  283
  293
  304
  315
  327
  339
  351
  363
  377
  392
  406
  421
  437
  453
  470
  487
  506
  525
  546
  566
Operating income, $m
  151
  166
  181
  197
  214
  231
  249
  268
  289
  310
  332
  355
  379
  405
  431
  459
  489
  520
  553
  587
  623
  661
  701
  742
  787
  833
  882
  933
  987
  1,043
EBITDA, $m
  1,179
  1,258
  1,341
  1,426
  1,516
  1,609
  1,707
  1,808
  1,915
  2,026
  2,142
  2,264
  2,391
  2,524
  2,664
  2,810
  2,963
  3,124
  3,292
  3,468
  3,653
  3,847
  4,051
  4,265
  4,489
  4,724
  4,970
  5,230
  5,501
  5,787
Interest expense (income), $m
  44
  479
  461
  482
  505
  528
  553
  579
  605
  633
  662
  692
  724
  757
  792
  828
  866
  906
  947
  991
  1,037
  1,085
  1,135
  1,187
  1,242
  1,300
  1,361
  1,424
  1,491
  1,561
  1,634
Earnings before tax, $m
  -328
  -295
  -301
  -308
  -315
  -322
  -329
  -337
  -344
  -352
  -361
  -369
  -378
  -387
  -397
  -407
  -417
  -428
  -438
  -450
  -462
  -474
  -487
  -500
  -514
  -528
  -543
  -558
  -574
  -591
Tax expense, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Net income, $m
  -328
  -295
  -301
  -308
  -315
  -322
  -329
  -337
  -344
  -352
  -361
  -369
  -378
  -387
  -397
  -407
  -417
  -428
  -438
  -450
  -462
  -474
  -487
  -500
  -514
  -528
  -543
  -558
  -574
  -591

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  7,122
  7,568
  8,032
  8,516
  9,020
  9,546
  10,094
  10,666
  11,264
  11,888
  12,540
  13,223
  13,936
  14,682
  15,463
  16,281
  17,138
  18,034
  18,974
  19,959
  20,991
  22,072
  23,206
  24,395
  25,642
  26,950
  28,322
  29,761
  31,271
  32,855
Adjusted assets (=assets-cash), $m
  7,122
  7,568
  8,032
  8,516
  9,020
  9,546
  10,094
  10,666
  11,264
  11,888
  12,540
  13,223
  13,936
  14,682
  15,463
  16,281
  17,138
  18,034
  18,974
  19,959
  20,991
  22,072
  23,206
  24,395
  25,642
  26,950
  28,322
  29,761
  31,271
  32,855
Revenue / Adjusted assets
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
  0.049
Average production assets, $m
  10,283
  10,926
  11,597
  12,295
  13,022
  13,781
  14,573
  15,399
  16,262
  17,163
  18,105
  19,090
  20,120
  21,197
  22,325
  23,506
  24,742
  26,037
  27,394
  28,815
  30,305
  31,866
  33,504
  35,220
  37,021
  38,909
  40,890
  42,967
  45,147
  47,434
Working capital, $m
  -8,639
  -9,179
  -9,742
  -10,329
  -10,940
  -11,578
  -12,243
  -12,937
  -13,662
  -14,419
  -15,210
  -16,038
  -16,903
  -17,808
  -18,756
  -19,747
  -20,786
  -21,874
  -23,014
  -24,208
  -25,459
  -26,771
  -28,147
  -29,589
  -31,102
  -32,688
  -34,352
  -36,097
  -37,929
  -39,850
Total debt, $m
  8,532
  8,933
  9,351
  9,786
  10,240
  10,713
  11,207
  11,722
  12,259
  12,821
  13,408
  14,022
  14,664
  15,336
  16,039
  16,775
  17,546
  18,353
  19,199
  20,085
  21,014
  21,987
  23,008
  24,078
  25,200
  26,377
  27,612
  28,907
  30,266
  31,692
Total liabilities, $m
  6,410
  6,811
  7,229
  7,664
  8,118
  8,591
  9,084
  9,600
  10,137
  10,699
  11,286
  11,900
  12,542
  13,214
  13,917
  14,653
  15,424
  16,231
  17,077
  17,963
  18,891
  19,865
  20,886
  21,956
  23,078
  24,255
  25,490
  26,785
  28,144
  29,570
Total equity, $m
  712
  757
  803
  852
  902
  955
  1,009
  1,067
  1,126
  1,189
  1,254
  1,322
  1,394
  1,468
  1,546
  1,628
  1,714
  1,803
  1,897
  1,996
  2,099
  2,207
  2,321
  2,440
  2,564
  2,695
  2,832
  2,976
  3,127
  3,286
Total liabilities and equity, $m
  7,122
  7,568
  8,032
  8,516
  9,020
  9,546
  10,093
  10,667
  11,263
  11,888
  12,540
  13,222
  13,936
  14,682
  15,463
  16,281
  17,138
  18,034
  18,974
  19,959
  20,990
  22,072
  23,207
  24,396
  25,642
  26,950
  28,322
  29,761
  31,271
  32,856
Debt-to-equity ratio
  11.980
  11.800
  11.640
  11.490
  11.350
  11.220
  11.100
  10.990
  10.880
  10.790
  10.690
  10.600
  10.520
  10.450
  10.370
  10.300
  10.240
  10.180
  10.120
  10.060
  10.010
  9.960
  9.910
  9.870
  9.830
  9.790
  9.750
  9.710
  9.680
  9.650
Adjusted equity ratio
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  -328
  -295
  -301
  -308
  -315
  -322
  -329
  -337
  -344
  -352
  -361
  -369
  -378
  -387
  -397
  -407
  -417
  -428
  -438
  -450
  -462
  -474
  -487
  -500
  -514
  -528
  -543
  -558
  -574
  -591
Depreciation, amort., depletion, $m
  1,028
  1,093
  1,160
  1,229
  1,302
  1,378
  1,457
  1,540
  1,626
  1,716
  1,811
  1,909
  2,012
  2,120
  2,233
  2,351
  2,474
  2,604
  2,739
  2,881
  3,030
  3,187
  3,350
  3,522
  3,702
  3,891
  4,089
  4,297
  4,515
  4,743
Funds from operations, $m
  700
  798
  858
  921
  987
  1,056
  1,128
  1,203
  1,282
  1,364
  1,450
  1,540
  1,634
  1,732
  1,836
  1,944
  2,057
  2,176
  2,301
  2,432
  2,569
  2,713
  2,864
  3,022
  3,188
  3,363
  3,546
  3,738
  3,940
  4,152
Change in working capital, $m
  -520
  -541
  -563
  -587
  -611
  -637
  -665
  -694
  -725
  -757
  -791
  -827
  -865
  -905
  -947
  -992
  -1,039
  -1,088
  -1,140
  -1,194
  -1,252
  -1,312
  -1,375
  -1,442
  -1,512
  -1,586
  -1,664
  -1,746
  -1,831
  -1,921
Cash from operations, $m
  1,220
  1,338
  1,421
  1,508
  1,599
  1,694
  1,793
  1,897
  2,007
  2,121
  2,241
  2,367
  2,499
  2,638
  2,783
  2,936
  3,096
  3,264
  3,441
  3,626
  3,820
  4,025
  4,239
  4,464
  4,701
  4,949
  5,210
  5,484
  5,772
  6,074
Maintenance CAPEX, $m
  -967
  -1,028
  -1,093
  -1,160
  -1,229
  -1,302
  -1,378
  -1,457
  -1,540
  -1,626
  -1,716
  -1,811
  -1,909
  -2,012
  -2,120
  -2,233
  -2,351
  -2,474
  -2,604
  -2,739
  -2,881
  -3,030
  -3,187
  -3,350
  -3,522
  -3,702
  -3,891
  -4,089
  -4,297
  -4,515
New CAPEX, $m
  -610
  -644
  -670
  -698
  -728
  -759
  -792
  -826
  -863
  -901
  -942
  -985
  -1,030
  -1,078
  -1,128
  -1,181
  -1,236
  -1,295
  -1,357
  -1,421
  -1,490
  -1,562
  -1,637
  -1,717
  -1,800
  -1,888
  -1,981
  -2,078
  -2,180
  -2,287
Cash from investing activities, $m
  -1,577
  -1,672
  -1,763
  -1,858
  -1,957
  -2,061
  -2,170
  -2,283
  -2,403
  -2,527
  -2,658
  -2,796
  -2,939
  -3,090
  -3,248
  -3,414
  -3,587
  -3,769
  -3,961
  -4,160
  -4,371
  -4,592
  -4,824
  -5,067
  -5,322
  -5,590
  -5,872
  -6,167
  -6,477
  -6,802
Free cash flow, $m
  -357
  -334
  -342
  -350
  -358
  -367
  -377
  -386
  -396
  -406
  -417
  -428
  -440
  -452
  -464
  -477
  -491
  -505
  -520
  -535
  -551
  -567
  -585
  -603
  -622
  -641
  -661
  -683
  -705
  -728
Issuance/(repayment) of debt, $m
  -338
  401
  418
  435
  454
  473
  493
  515
  538
  562
  587
  614
  642
  672
  703
  736
  771
  807
  846
  886
  929
  974
  1,021
  1,070
  1,122
  1,177
  1,235
  1,295
  1,359
  1,426
Issuance/(repurchase) of shares, $m
  1,048
  340
  348
  356
  365
  375
  384
  394
  404
  415
  426
  438
  450
  462
  475
  489
  503
  517
  532
  548
  565
  582
  600
  619
  638
  659
  680
  702
  725
  750
Cash from financing (excl. dividends), $m  
  710
  741
  766
  791
  819
  848
  877
  909
  942
  977
  1,013
  1,052
  1,092
  1,134
  1,178
  1,225
  1,274
  1,324
  1,378
  1,434
  1,494
  1,556
  1,621
  1,689
  1,760
  1,836
  1,915
  1,997
  2,084
  2,176
Total cash flow (excl. dividends), $m
  353
  407
  424
  442
  460
  480
  501
  523
  546
  570
  596
  623
  652
  682
  714
  747
  782
  819
  858
  899
  943
  988
  1,036
  1,086
  1,139
  1,195
  1,253
  1,315
  1,379
  1,447
Retained Cash Flow (-), $m
  -1,048
  -340
  -348
  -356
  -365
  -375
  -384
  -394
  -404
  -415
  -426
  -438
  -450
  -462
  -475
  -489
  -503
  -517
  -532
  -548
  -565
  -582
  -600
  -619
  -638
  -659
  -680
  -702
  -725
  -750
Prev. year cash balance distribution, $m
  7
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  10
  10
  11
  12
  13
  13
  14
  15
  16
  17
  17
  18
  19
  20
  22
  23
  24
  25
  27
  28
  29
  31
  32
  34
  36
  38
  40
  42
  44
  46
Cash available for distribution, $m
  -687
  68
  76
  85
  95
  106
  117
  129
  142
  155
  170
  186
  202
  220
  239
  259
  280
  302
  326
  351
  378
  406
  436
  467
  501
  536
  573
  613
  654
  698
Discount rate, %
  15.10
  15.86
  16.65
  17.48
  18.35
  19.27
  20.24
  21.25
  22.31
  23.43
  24.60
  25.83
  27.12
  28.47
  29.90
  31.39
  32.96
  34.61
  36.34
  38.16
  40.06
  42.07
  44.17
  46.38
  48.70
  51.13
  53.69
  56.38
  59.19
  62.15
PV of cash for distribution, $m
  -597
  50
  48
  45
  41
  37
  32
  28
  23
  19
  15
  12
  9
  7
  5
  3
  2
  1
  1
  1
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Current shareholders' claim on cash, %
  50.0
  33.9
  23.2
  16.1
  11.2
  7.9
  5.7
  4.1
  3.0
  2.2
  1.6
  1.2
  0.9
  0.7
  0.5
  0.4
  0.3
  0.2
  0.2
  0.1
  0.1
  0.1
  0.1
  0.1
  0.0
  0.0
  0.0
  0.0
  0.0
  0.0

Provident Financial Services Inc. is a holding company for The Provident Bank (the Bank). The Bank is a New Jersey-chartered capital stock savings bank. As a community and customer-oriented institution, the Bank provides personal service and customer convenience in serving the financial needs of the individuals, families and businesses residing in its primary markets areas. The Bank attracts deposits from the general public and businesses in the areas surrounding its banking offices and uses those funds, together with funds generated from operations and borrowings, to originate commercial real estate loans, residential mortgage loans, commercial business loans and consumer loans. The Bank also invests in mortgage-backed securities and other permissible investments. It operates service branch offices in the New Jersey counties of Hudson, Bergen, Essex, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, as well as in Bucks, Lehigh and Northampton counties in Pennsylvania.

FINANCIAL RATIOS  of  Provident Financial Services (PFS)

Valuation Ratios
P/E Ratio 20.9
Price to Sales 0
Price to Book 1.5
Price to Tangible Book
Price to Cash Flow 14.5
Price to Free Cash Flow 15.1
Growth Rates
Sales Growth Rate -100%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate -16.7%
Cap. Spend. - 3 Yr. Gr. Rate -9%
Financial Strength
Quick Ratio NaN
Current Ratio NaN
LT Debt to Equity 12.5%
Total Debt to Equity 12.5%
Interest Coverage 4
Management Effectiveness
Return On Assets 1.3%
Ret/ On Assets - 3 Yr. Avg. 1.3%
Return On Total Capital 6.1%
Ret/ On T. Cap. - 3 Yr. Avg. 5.9%
Return On Equity 7.2%
Return On Equity - 3 Yr. Avg. 7.1%
Asset Turnover 0
Profitability Ratios
Gross Margin 0%
Gross Margin - 3 Yr. Avg. 0%
EBITDA Margin 0%
EBITDA Margin - 3 Yr. Avg. 0%
Operating Margin 0%
Oper. Margin - 3 Yr. Avg. 0%
Pre-Tax Margin 0%
Pre-Tax Margin - 3 Yr. Avg. 0%
Net Profit Margin 0%
Net Profit Margin - 3 Yr. Avg. 0%
Effective Tax Rate 29.6%
Eff/ Tax Rate - 3 Yr. Avg. 29.7%
Payout Ratio 51.1%

PFS stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the PFS stock intrinsic value calculation we used $328 million for the last fiscal year's total revenue generated by Provident Financial Services. The default revenue input number comes from 2017 income statement of Provident Financial Services. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our PFS stock valuation model: a) initial revenue growth rate of 6.4% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 15.1%, whose default value for PFS is calculated based on our internal credit rating of Provident Financial Services, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Provident Financial Services.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of PFS stock the variable cost ratio is equal to 20.4%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $124 million in the base year in the intrinsic value calculation for PFS stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for Provident Financial Services.

Corporate tax rate of 27% is the nominal tax rate for Provident Financial Services. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the PFS stock is equal to 3%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for PFS are equal to 2946.4%.

Life of production assets of 10 years is the average useful life of capital assets used in Provident Financial Services operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for PFS is equal to -2475.3%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $0 million for Provident Financial Services - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 64 million for Provident Financial Services is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Provident Financial Services at the current share price and the inputted number of shares is $1.8 billion.

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COMPANY NEWS

▶ Provident Bank to Raise Wages, Expand Employee Benefits   [Jul-11-18 08:00AM  PR Newswire]
▶ Provident Financial: 1Q Earnings Snapshot   [Apr-27-18 08:12AM  Associated Press]
▶ April Best Dividend Paying Stocks   [09:02AM  Simply Wall St.]
▶ Top Rated NYSE Dividend Stocks   [Mar-24-18 09:02AM  Simply Wall St.]
▶ Provident Financial misses 4Q profit forecasts   [08:41AM  Associated Press]
▶ Should You Buy Provident Financial Services Inc (PFS)?   [Dec-11-17 05:58PM  Simply Wall St.]
▶ Provident Financial beats 3Q profit forecasts   [Oct-27-17 08:09AM  Associated Press]
▶ Top Ranked Income Stocks to Buy for August 29th   [Aug-29-17 10:27AM  Zacks]
▶ Provident Financial posts 2Q profit   [Jul-28-17 11:23PM  Associated Press]
▶ Provident Financial posts 1Q profit   [08:20AM  Associated Press]
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