Provident Financial Services, I (PFS) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.65
- Estimate
- $0.61
- Surprise
- +6.3%
- Score at report (before → after)
- 5.5 → 5.4/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Provident Financial Services, I (PFS) beat the $0.61 estimate with adjusted EPS of $0.65 — a clear 6.3% upside surprise. TrendMatrix's engine moved from Buy (Wait) (5.5/10) to Hold at 5.4/10 after the report — the engine's score fell despite the beat.
Coverage in the report window
- Provident Finl Servs Q3 EPS $0.53 Misses $0.60 Estimate, Sales $208.008M Beat $205.857M Estimate — benzinga, 2026-10-28
Where TrendMatrix's rating stands now
TrendMatrix currently rates PFS Hold at 5.4/10.
4 of the last 4 quarters beat the estimate; this quarter's +6.3% surprise compares with a +10.2% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (4/4)
What argues against it
- Concentration risk — Loan Portfolio: commercial real estate loans (57.3%)
- Concentration risk — Regulatory: NJDOBI and FDIC
- Thin upside margin: 4.4%
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $23.12
- Price target
- $24.14
- Stop
- $22.34
- Upside to target
- +4.4%
- Reward-to-risk
- 0.7:1
At 9.6× trailing and 8.9× forward earnings, consensus estimates imply little change in earnings power.
Risk check: RSI 72 — a level conventionally read as overbought; gains at these levels often lean on momentum.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — shown for context, not personalized investment advice.
PFS at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $3.02B
- P/E (fwd)
- 8.9
- P/E (ttm)
- 9.6
- 52-week range
- $17.71–$25.49
- Off 52-week high
- 9.3%
- RSI (14)
- 72
- Volume vs avg
- 0.97×
- Score today
- 5.4/10