Profitability
Weight: 25%
D+
42
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend -6.40 pp/yr
PFS
Provident Financial Services, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D+
40
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.6%
- 5yr Share-Count CAGR 14.3%
Growth Quality
Weight: 10%
B
73
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 15.5%
- 5yr EPS CAGR 0.5%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
94
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.73x
Balance Sheet
Weight: 30%
B-
62
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.3%
- Interest Coverage (EBIT/Int) 0.80x
Stability
Weight: 10%
B
74
- EPS Volatility (σ/μ) 0.25
- Piotroski F-Score 6
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Cooperman new