Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
67
PFS Quote, Financials, Valuation and Earnings
Last price:
$20.49
Seasonality move
:
-2.9%
Day range:
$20.37 - $20.50
52-week range:
$14.34 - $21.29
Dividend yield:
4.69%
P/E ratio:
10.43x
P/S ratio:
1.96x
P/B ratio:
0.97x
Volume:
326K
Avg. volume:
928.4K
1-year change:
7.05%
Market cap:
$2.7B
Revenue:
$1.1B
EPS (TTM):
$1.96
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
PFS
Provident Financial Services, Inc.
|
$220.7M | $0.54 | -33.3% | 48.87% | $23.13 |
|
COLB
Columbia Banking System, Inc.
|
$573M | $0.69 | -4.56% | 4.7% | $30.50 |
|
CZNC
Citizens & Northern Corp.
|
$28.5M | $0.53 | -13.4% | 10.48% | $22.50 |
|
FIBK
First Interstate BancSystem, Inc.
|
$254.5M | $0.61 | -31.03% | 25.67% | $37.00 |
|
HTBK
Heritage Commerce Corp.
|
$48.9M | $0.21 | -24% | 34.73% | $13.00 |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$116.9M | $0.82 | -23.9% | 16.15% | $34.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
PFS
Provident Financial Services, Inc.
|
$20.49 | $23.13 | $2.7B | 10.43x | $0.24 | 4.69% | 1.96x |
|
COLB
Columbia Banking System, Inc.
|
$28.62 | $30.50 | $8.6B | 12.88x | $0.37 | 5.07% | 2.08x |
|
CZNC
Citizens & Northern Corp.
|
$20.66 | $22.50 | $367.8M | 11.81x | $0.28 | 5.42% | 1.97x |
|
FIBK
First Interstate BancSystem, Inc.
|
$35.86 | $37.00 | $3.7B | 15.11x | $0.47 | 5.24% | 2.66x |
|
HTBK
Heritage Commerce Corp.
|
$12.56 | $13.00 | $769.7M | 17.87x | $0.13 | 4.14% | 2.92x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$30.67 | $34.00 | $1.1B | 10.73x | $0.41 | 5.32% | 1.76x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
PFS
Provident Financial Services, Inc.
|
49.13% | 0.949 | 106.12% | 0.00x |
|
COLB
Columbia Banking System, Inc.
|
28.29% | 1.283 | 39.91% | 0.00x |
|
CZNC
Citizens & Northern Corp.
|
37.22% | 0.740 | 56.63% | 0.00x |
|
FIBK
First Interstate BancSystem, Inc.
|
18.72% | 1.240 | 23.98% | 0.00x |
|
HTBK
Heritage Commerce Corp.
|
8.9% | 1.147 | 11.24% | 0.00x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
37.88% | 0.881 | 67.53% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
PFS
Provident Financial Services, Inc.
|
-- | $101.6M | 4.77% | 9.59% | 66.04% | $96.7M |
|
COLB
Columbia Banking System, Inc.
|
-- | $206M | 5.04% | 8.32% | 43.38% | $227.9M |
|
CZNC
Citizens & Northern Corp.
|
-- | $8.9M | 5.6% | 9.51% | 47.39% | $8.5M |
|
FIBK
First Interstate BancSystem, Inc.
|
-- | $92.6M | 4.72% | 7.26% | 52.96% | $84.3M |
|
HTBK
Heritage Commerce Corp.
|
-- | $20.6M | 5.68% | 6.25% | 56.9% | $19.1M |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
-- | $38M | 6.14% | 8.84% | 50.74% | $12.7M |
Provident Financial Services, Inc. vs. Competitors
-
Which has Higher Returns PFS or COLB?
Columbia Banking System, Inc. has a net margin of 20.28% compared to Provident Financial Services, Inc.'s net margin of 11.77%. Provident Financial Services, Inc.'s return on equity of 9.59% beat Columbia Banking System, Inc.'s return on equity of 8.32%.
Company Gross Margin Earnings Per Share Invested Capital PFSProvident Financial Services, Inc.-- $0.55 $5.4B COLBColumbia Banking System, Inc.-- $0.40 $10.9B -
What do Analysts Say About PFS or COLB?
Provident Financial Services, Inc. has a consensus price target of $23.13, signalling upside risk potential of 12.86%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $30.50 which suggests that it could grow by 6.57%. Given that Provident Financial Services, Inc. has higher upside potential than Columbia Banking System, Inc., analysts believe Provident Financial Services, Inc. is more attractive than Columbia Banking System, Inc..
Company Buy Ratings Hold Ratings Sell Ratings PFSProvident Financial Services, Inc.2 0 0 COLBColumbia Banking System, Inc.2 9 0 -
Is PFS or COLB More Risky?
Provident Financial Services, Inc. has a beta of 0.884, which suggesting that the stock is 11.617% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.624, suggesting its less volatile than the S&P 500 by 37.596%.
-
Which is a Better Dividend Stock PFS or COLB?
Provident Financial Services, Inc. has a quarterly dividend of $0.24 per share corresponding to a yield of 4.69%. Columbia Banking System, Inc. offers a yield of 5.07% to investors and pays a quarterly dividend of $0.37 per share. Provident Financial Services, Inc. pays 91.17% of its earnings as a dividend. Columbia Banking System, Inc. pays out 56.48% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios PFS or COLB?
Provident Financial Services, Inc. quarterly revenues are $353.7M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $816M. Provident Financial Services, Inc.'s net income of $71.7M is lower than Columbia Banking System, Inc.'s net income of $96M. Notably, Provident Financial Services, Inc.'s price-to-earnings ratio is 10.43x while Columbia Banking System, Inc.'s PE ratio is 12.88x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Provident Financial Services, Inc. is 1.96x versus 2.08x for Columbia Banking System, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFSProvident Financial Services, Inc.1.96x 10.43x $353.7M $71.7M COLBColumbia Banking System, Inc.2.08x 12.88x $816M $96M
-
Which has Higher Returns PFS or CZNC?
Citizens & Northern Corp. has a net margin of 20.28% compared to Provident Financial Services, Inc.'s net margin of 15.87%. Provident Financial Services, Inc.'s return on equity of 9.59% beat Citizens & Northern Corp.'s return on equity of 9.51%.
Company Gross Margin Earnings Per Share Invested Capital PFSProvident Financial Services, Inc.-- $0.55 $5.4B CZNCCitizens & Northern Corp.-- $0.42 $468.2M -
What do Analysts Say About PFS or CZNC?
Provident Financial Services, Inc. has a consensus price target of $23.13, signalling upside risk potential of 12.86%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 8.91%. Given that Provident Financial Services, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe Provident Financial Services, Inc. is more attractive than Citizens & Northern Corp..
Company Buy Ratings Hold Ratings Sell Ratings PFSProvident Financial Services, Inc.2 0 0 CZNCCitizens & Northern Corp.0 1 0 -
Is PFS or CZNC More Risky?
Provident Financial Services, Inc. has a beta of 0.884, which suggesting that the stock is 11.617% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.
-
Which is a Better Dividend Stock PFS or CZNC?
Provident Financial Services, Inc. has a quarterly dividend of $0.24 per share corresponding to a yield of 4.69%. Citizens & Northern Corp. offers a yield of 5.42% to investors and pays a quarterly dividend of $0.28 per share. Provident Financial Services, Inc. pays 91.17% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios PFS or CZNC?
Provident Financial Services, Inc. quarterly revenues are $353.7M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. Provident Financial Services, Inc.'s net income of $71.7M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Provident Financial Services, Inc.'s price-to-earnings ratio is 10.43x while Citizens & Northern Corp.'s PE ratio is 11.81x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Provident Financial Services, Inc. is 1.96x versus 1.97x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFSProvident Financial Services, Inc.1.96x 10.43x $353.7M $71.7M CZNCCitizens & Northern Corp.1.97x 11.81x $40.9M $6.5M
-
Which has Higher Returns PFS or FIBK?
First Interstate BancSystem, Inc. has a net margin of 20.28% compared to Provident Financial Services, Inc.'s net margin of 21.27%. Provident Financial Services, Inc.'s return on equity of 9.59% beat First Interstate BancSystem, Inc.'s return on equity of 7.26%.
Company Gross Margin Earnings Per Share Invested Capital PFSProvident Financial Services, Inc.-- $0.55 $5.4B FIBKFirst Interstate BancSystem, Inc.-- $0.69 $4.2B -
What do Analysts Say About PFS or FIBK?
Provident Financial Services, Inc. has a consensus price target of $23.13, signalling upside risk potential of 12.86%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $37.00 which suggests that it could grow by 3.18%. Given that Provident Financial Services, Inc. has higher upside potential than First Interstate BancSystem, Inc., analysts believe Provident Financial Services, Inc. is more attractive than First Interstate BancSystem, Inc..
Company Buy Ratings Hold Ratings Sell Ratings PFSProvident Financial Services, Inc.2 0 0 FIBKFirst Interstate BancSystem, Inc.2 3 1 -
Is PFS or FIBK More Risky?
Provident Financial Services, Inc. has a beta of 0.884, which suggesting that the stock is 11.617% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.824, suggesting its less volatile than the S&P 500 by 17.645%.
-
Which is a Better Dividend Stock PFS or FIBK?
Provident Financial Services, Inc. has a quarterly dividend of $0.24 per share corresponding to a yield of 4.69%. First Interstate BancSystem, Inc. offers a yield of 5.24% to investors and pays a quarterly dividend of $0.47 per share. Provident Financial Services, Inc. pays 91.17% of its earnings as a dividend. First Interstate BancSystem, Inc. pays out 85.84% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios PFS or FIBK?
Provident Financial Services, Inc. quarterly revenues are $353.7M, which are larger than First Interstate BancSystem, Inc. quarterly revenues of $335.7M. Provident Financial Services, Inc.'s net income of $71.7M is higher than First Interstate BancSystem, Inc.'s net income of $71.4M. Notably, Provident Financial Services, Inc.'s price-to-earnings ratio is 10.43x while First Interstate BancSystem, Inc.'s PE ratio is 15.11x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Provident Financial Services, Inc. is 1.96x versus 2.66x for First Interstate BancSystem, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFSProvident Financial Services, Inc.1.96x 10.43x $353.7M $71.7M FIBKFirst Interstate BancSystem, Inc.2.66x 15.11x $335.7M $71.4M
-
Which has Higher Returns PFS or HTBK?
Heritage Commerce Corp. has a net margin of 20.28% compared to Provident Financial Services, Inc.'s net margin of 21.52%. Provident Financial Services, Inc.'s return on equity of 9.59% beat Heritage Commerce Corp.'s return on equity of 6.25%.
Company Gross Margin Earnings Per Share Invested Capital PFSProvident Financial Services, Inc.-- $0.55 $5.4B HTBKHeritage Commerce Corp.-- $0.24 $768.4M -
What do Analysts Say About PFS or HTBK?
Provident Financial Services, Inc. has a consensus price target of $23.13, signalling upside risk potential of 12.86%. On the other hand Heritage Commerce Corp. has an analysts' consensus of $13.00 which suggests that it could grow by 3.5%. Given that Provident Financial Services, Inc. has higher upside potential than Heritage Commerce Corp., analysts believe Provident Financial Services, Inc. is more attractive than Heritage Commerce Corp..
Company Buy Ratings Hold Ratings Sell Ratings PFSProvident Financial Services, Inc.2 0 0 HTBKHeritage Commerce Corp.1 2 0 -
Is PFS or HTBK More Risky?
Provident Financial Services, Inc. has a beta of 0.884, which suggesting that the stock is 11.617% less volatile than S&P 500. In comparison Heritage Commerce Corp. has a beta of 0.813, suggesting its less volatile than the S&P 500 by 18.684%.
-
Which is a Better Dividend Stock PFS or HTBK?
Provident Financial Services, Inc. has a quarterly dividend of $0.24 per share corresponding to a yield of 4.69%. Heritage Commerce Corp. offers a yield of 4.14% to investors and pays a quarterly dividend of $0.13 per share. Provident Financial Services, Inc. pays 91.17% of its earnings as a dividend. Heritage Commerce Corp. pays out 78.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios PFS or HTBK?
Provident Financial Services, Inc. quarterly revenues are $353.7M, which are larger than Heritage Commerce Corp. quarterly revenues of $68.3M. Provident Financial Services, Inc.'s net income of $71.7M is higher than Heritage Commerce Corp.'s net income of $14.7M. Notably, Provident Financial Services, Inc.'s price-to-earnings ratio is 10.43x while Heritage Commerce Corp.'s PE ratio is 17.87x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Provident Financial Services, Inc. is 1.96x versus 2.92x for Heritage Commerce Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFSProvident Financial Services, Inc.1.96x 10.43x $353.7M $71.7M HTBKHeritage Commerce Corp.2.92x 17.87x $68.3M $14.7M
-
Which has Higher Returns PFS or PEBO?
Peoples Bancorp, Inc. (Ohio) has a net margin of 20.28% compared to Provident Financial Services, Inc.'s net margin of 18.66%. Provident Financial Services, Inc.'s return on equity of 9.59% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.
Company Gross Margin Earnings Per Share Invested Capital PFSProvident Financial Services, Inc.-- $0.55 $5.4B PEBOPeoples Bancorp, Inc. (Ohio)-- $0.83 $1.9B -
What do Analysts Say About PFS or PEBO?
Provident Financial Services, Inc. has a consensus price target of $23.13, signalling upside risk potential of 12.86%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 10.86%. Given that Provident Financial Services, Inc. has higher upside potential than Peoples Bancorp, Inc. (Ohio), analysts believe Provident Financial Services, Inc. is more attractive than Peoples Bancorp, Inc. (Ohio).
Company Buy Ratings Hold Ratings Sell Ratings PFSProvident Financial Services, Inc.2 0 0 PEBOPeoples Bancorp, Inc. (Ohio)1 5 0 -
Is PFS or PEBO More Risky?
Provident Financial Services, Inc. has a beta of 0.884, which suggesting that the stock is 11.617% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.
-
Which is a Better Dividend Stock PFS or PEBO?
Provident Financial Services, Inc. has a quarterly dividend of $0.24 per share corresponding to a yield of 4.69%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.32% to investors and pays a quarterly dividend of $0.41 per share. Provident Financial Services, Inc. pays 91.17% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios PFS or PEBO?
Provident Financial Services, Inc. quarterly revenues are $353.7M, which are larger than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Provident Financial Services, Inc.'s net income of $71.7M is higher than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Provident Financial Services, Inc.'s price-to-earnings ratio is 10.43x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.73x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Provident Financial Services, Inc. is 1.96x versus 1.76x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFSProvident Financial Services, Inc.1.96x 10.43x $353.7M $71.7M PEBOPeoples Bancorp, Inc. (Ohio)1.76x 10.73x $156.6M $29.2M
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