<ul>
<li>对于那些想知道 Provident Financial Services 当前约为 22.38 美元是否仍然具有价值，或者大部分机会是否已经被定价的读者，本文将分析当前数据所暗示的内容。</li>
<li>该股票在过去 7 天的回报率为 0.1%，30 天为 5.2%，年初至今为 13.3%，1 年为 37.6%，3 年为 67.1%，5 年为 13.2%。这些数据自然引发了关于剩余上行或下行空间的疑问。</li>
<li>最近关于 Provident Financial Services 的新闻主要集中在其在美国银行业中的地位，以及投资者在经历了之前行业压力后如何评估区域银行。这一背景有助于解释为什么不同时间段的股价表现受到投资者在权衡风险和回报时的更多关注。</li>
<li>Provident Financial Services 目前的估值评分为 5/6。本文的其余部分将比较几种常见的估值方法，最后以更广泛的方式思考该评分对您的实际意义。</li>
</ul>
<p>Provident Financial Services 在过去一年中实现了 37.6% 的回报。看看这与其他银行行业的表现相比如何。</p>
<h2>方法 1：Provident Financial Services 超额回报分析</h2>
<p>超额回报模型关注的是公司预计产生的利润超出投资者持有其股权所需回报的部分。它不是专注于现金流，而是从账面价值和盈利能力出发，估算当股本回报超过股本成本时创造的价值。</p>
<p>对于 Provident Financial Services，该模型使用每股 21.97 美元的账面价值和每股 2.51 美元的稳定每股收益，基于 5 位分析师的加权未来股本回报率估算。平均股本回报率为 10.52%，而股本成本为每股 1.80 美元，意味着每股超额回报为 0.71 美元。稳定的账面价值输入为每股 23.84 美元，来源于 5 位分析师的加权未来账面价值估算。</p>
<p>结合这些输入，超额回报方法得出的每股内在价值约为 40.86 美元。与当前约 22.38 美元的股价相比，这意味着该股票根据该模型被低估了 45.2%。</p>
<p><strong>结果：被低估</strong></p>
<p>我们的超额回报分析表明，Provident Financial Services 被低估了 45.2%。将其添加到您的观察列表或投资组合中，或发现更多高质量的被低估股票。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/dcf/query-ZGF0ZT0yMDI2LTA1LTAy?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/dcf/query-ZGF0ZT0yMDI2LTA1LTAy"/></p>
<p>截至 2026 年 5 月的 PFS 折现现金流</p>
<p>请查看我们公司报告的估值部分，了解我们如何得出 Provident Financial Services 的公允价值。</p>
<h2>方法 2：Provident Financial Services 价格与收益</h2>
<p>市盈率是观察盈利公司的一种常见方式，因为它将您为股票支付的价格直接与企业已经产生的收益联系起来。对于您作为股东来说，这是一个快速的指标，显示市场为每一美元当前收益要求多少美元的价格。</p>
<p>什么算是 “正常” 的市盈率通常取决于市场对公司收益增长潜力和风险的看法。更高的增长和较低的感知风险通常会使更高的市盈率合理，而较慢的增长或更高的风险则往往会处于较低的市盈率水平。</p>
<p>Provident Financial Services 当前的市盈率为 9.51 倍。这低于银行行业平均市盈率约 11.41 倍和同行平均 15.40 倍。Simply Wall St 对 Provident Financial Services 的公允比率为 11.19 倍。该公允比率是对市盈率可能合理水平的专有估算，考虑了收益增长特征、利润率、风险状况、市值和公司的行业等因素，而不仅仅依赖于广泛的同行或行业比较。</p>
<p>将公允比率 11.19 倍与当前市盈率 9.51 倍进行比较，表明该股票的交易价格低于该公允倍数。</p>
<p><strong>结果：被低估</strong></p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/pe-multiple-vs-industry/query-ZGF0ZT0yMDI2LTA1LTAy?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/pe-multiple-vs-industry/query-ZGF0ZT0yMDI2LTA1LTAy"/></p>
<p>截至 2026 年 5 月的 NYSE:PFS 市盈率</p>
<p>市盈率讲述了一个故事，但如果真正的机会在其他地方呢？开始投资于遗产，而不是高管。发现我们的一家顶级创始人领导的公司。</p>
<h3>提升您的决策能力：选择您的 Provident Financial Services 故事</h3>
<p>之前提到过，有一种更好的方式来理解估值，这就是叙述。它们通过将您对 Provident Financial Services 的看法（例如，您是否倾向于分析师共识的公允价值 24.60 美元或更高的 25 美元目标）与未来收入、收益和利润率的明确预测联系起来，从而为您提供数字背后的简单故事。然后，这转化为一个公允价值，您可以与当前股价进行比较，所有这些都在 Simply Wall St 的社区页面上的一个易用工具中，该工具会随着新消息或收益的到来自动刷新。不同的投资者可以看到，例如，强调商业贷款增长、数字投资和费用收入强度的乐观观点可能支持一个公允价值，而更谨慎的观点则关注地理集中、存款竞争和监管成本，支持另一个。投资者可以利用这些基于叙述的公允价值来决定当前价格是否看起来有吸引力、饱和或昂贵。</p>
<p>您认为 Provident Financial Services 的故事还有更多内容吗？前往我们的社区，看看其他人怎么说！</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/quote-price/query-ZGF0ZT0yMDI2LTA1LTAy?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/quote-price/query-ZGF0ZT0yMDI2LTA1LTAy"/></p>
<p>NYSE:PFS 1 年股票价格走势图</p>
<p><em>这篇来自 Simply Wall St 的文章性质较为一般。<strong>我们仅基于历史数据和分析师预测提供评论，采用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 这并不构成买卖任何股票的推荐，也未考虑到您的目标或财务状况。我们的目标是为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中均没有持仓。</em></p>
<h3><strong>新功能：</strong> 在一个地方管理您的所有股票投资组合</h3>
<p>我们为股票投资者创建了 <strong>终极投资组合伴侣</strong>，<strong>而且是免费的。</strong></p>
<p>• 连接无限数量的投资组合，并以一种货币查看您的总额</p>
<p>• 通过电子邮件或手机接收新的警告信号或风险提示</p>
<p>• 跟踪您股票的公允价值</p>
<p>免费试用演示投资组合</p>

Provident金融服务

<p>Provident 金融服务（PFS）目前的价格约为 22.38 美元，这引发了人们对其价值的质疑，尤其是在最近的股票表现之后。过去一年，该股票的回报率为 37.6%，根据超额收益分析，其被认为低估了 45.2%，每股的估计内在价值为 40.86 美元。此外，PFS 的市盈率为 9.51，低于行业平均水平，进一步表明其被低估。投资者被鼓励根据 PFS 的估值指标和在区域银行业的市场地位来评估其潜力</p>

<ul>
<li>For readers wondering whether Provident Financial Services at around US$22.38 is still offering value or if most of the opportunity is already priced in, this article walks through what the current numbers suggest.</li>
<li>The stock has recent returns of 0.1% over 7 days, 5.2% over 30 days, 13.3% year to date, 37.6% over 1 year, 67.1% over 3 years and 13.2% over 5 years. These figures naturally raise questions about how much upside or downside might be left.</li>
<li>Recent news flow around Provident Financial Services has focused on its position in the US banking sector and how investors are assessing regional banks after prior industry stresses. This backdrop helps explain why the share price performance over different periods is getting more attention from investors weighing risk and return.</li>
<li>Provident Financial Services currently holds a valuation score of 5/6. The rest of this article will compare several common valuation approaches before finishing with a broader way to think about what that score really means for you.</li>
</ul>
<div class="lb-trans"><ul>
<li>对于那些想知道 Provident Financial Services 当前约为 22.38 美元是否仍然具有价值，或者大部分机会是否已经被定价的读者，本文将分析当前数据所暗示的内容。</li>
<li>该股票在过去 7 天的回报率为 0.1%，30 天为 5.2%，年初至今为 13.3%，1 年为 37.6%，3 年为 67.1%，5 年为 13.2%。这些数据自然引发了关于剩余上行或下行空间的疑问。</li>
<li>最近关于 Provident Financial Services 的新闻主要集中在其在美国银行业中的地位，以及投资者在经历了之前行业压力后如何评估区域银行。这一背景有助于解释为什么不同时间段的股价表现受到投资者在权衡风险和回报时的更多关注。</li>
<li>Provident Financial Services 目前的估值评分为 5/6。本文的其余部分将比较几种常见的估值方法，最后以更广泛的方式思考该评分对您的实际意义。</li>
</ul>
</div><p>Provident Financial Services delivered 37.6% returns over the last year. See how this stacks up to the rest of the Banks industry.</p>
<div class="lb-trans"><p>Provident Financial Services 在过去一年中实现了 37.6% 的回报。看看这与其他银行行业的表现相比如何。</p>
</div><h2>Approach 1: Provident Financial Services Excess Returns Analysis</h2>
<div class="lb-trans"><h2>方法 1：Provident Financial Services 超额回报分析</h2>
</div><p>The Excess Returns model looks at how much profit a company is expected to generate over and above the return that investors require for holding its equity. Instead of focusing on cash flows, it starts from book value and earnings power, then estimates how much value is created when returns on equity exceed the cost of equity.</p>
<div class="lb-trans"><p>超额回报模型关注的是公司预计产生的利润超出投资者持有其股权所需回报的部分。它不是专注于现金流，而是从账面价值和盈利能力出发，估算当股本回报超过股本成本时创造的价值。</p>
</div><p>For Provident Financial Services, the model uses a Book Value of $21.97 per share and a Stable EPS of $2.51 per share, based on weighted future Return on Equity estimates from 5 analysts. The Average Return on Equity is 10.52%, while the Cost of Equity is $1.80 per share, implying an Excess Return of $0.71 per share. The Stable Book Value input is $23.84 per share, sourced from weighted future Book Value estimates from 5 analysts.</p>
<div class="lb-trans"><p>对于 Provident Financial Services，该模型使用每股 21.97 美元的账面价值和每股 2.51 美元的稳定每股收益，基于 5 位分析师的加权未来股本回报率估算。平均股本回报率为 10.52%，而股本成本为每股 1.80 美元，意味着每股超额回报为 0.71 美元。稳定的账面价值输入为每股 23.84 美元，来源于 5 位分析师的加权未来账面价值估算。</p>
</div><p>Combining these inputs, the Excess Returns approach arrives at an estimated intrinsic value of about $40.86 per share. Against a share price around $22.38, this implies the stock is 45.2% undervalued according to this model.</p>
<div class="lb-trans"><p>结合这些输入，超额回报方法得出的每股内在价值约为 40.86 美元。与当前约 22.38 美元的股价相比，这意味着该股票根据该模型被低估了 45.2%。</p>
</div><p><strong>Result: UNDERVALUED</strong></p>
<div class="lb-trans"><p><strong>结果：被低估</strong></p>
</div><p>Our Excess Returns analysis suggests Provident Financial Services is undervalued by 45.2%. Track this in your watchlist or portfolio, or discover 1 more high quality undervalued stocks.</p>
<div class="lb-trans"><p>我们的超额回报分析表明，Provident Financial Services 被低估了 45.2%。将其添加到您的观察列表或投资组合中，或发现更多高质量的被低估股票。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/dcf/query-ZGF0ZT0yMDI2LTA1LTAy" alt="" original-src="https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/dcf?date=2026-05-02"/></p>
<p>PFS Discounted Cash Flow as at May 2026</p>
<div class="lb-trans"><p>截至 2026 年 5 月的 PFS 折现现金流</p>
</div><p>Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Provident Financial Services.</p>
<div class="lb-trans"><p>请查看我们公司报告的估值部分，了解我们如何得出 Provident Financial Services 的公允价值。</p>
</div><h2>Approach 2: Provident Financial Services Price vs Earnings</h2>
<div class="lb-trans"><h2>方法 2：Provident Financial Services 价格与收益</h2>
</div><p>P/E is a common way to look at profitable companies because it links what you pay for the stock directly to the earnings the business is already generating. For you as a shareholder, it is a quick gauge of how many dollars of price the market is asking for each dollar of current earnings.</p>
<div class="lb-trans"><p>市盈率是观察盈利公司的一种常见方式，因为它将您为股票支付的价格直接与企业已经产生的收益联系起来。对于您作为股东来说，这是一个快速的指标，显示市场为每一美元当前收益要求多少美元的价格。</p>
</div><p>What counts as a “normal” P/E usually depends on how the market views a company’s earnings growth potential and risk. Higher growth and lower perceived risk often justify a higher P/E, while slower growth or higher risk tend to sit at lower P/E levels.</p>
<div class="lb-trans"><p>什么算是 “正常” 的市盈率通常取决于市场对公司收益增长潜力和风险的看法。更高的增长和较低的感知风险通常会使更高的市盈率合理，而较慢的增长或更高的风险则往往会处于较低的市盈率水平。</p>
</div><p>Provident Financial Services currently trades on a P/E of 9.51x. That is below both the Banks industry average P/E of about 11.41x and a peer average of 15.40x. Simply Wall St’s Fair Ratio for Provident Financial Services is 11.19x. This Fair Ratio is a proprietary estimate of what the P/E might reasonably be, taking into account factors such as earnings growth characteristics, profit margins, risk profile, market cap and the company’s industry, rather than relying only on broad peer or industry comparisons.</p>
<div class="lb-trans"><p>Provident Financial Services 当前的市盈率为 9.51 倍。这低于银行行业平均市盈率约 11.41 倍和同行平均 15.40 倍。Simply Wall St 对 Provident Financial Services 的公允比率为 11.19 倍。该公允比率是对市盈率可能合理水平的专有估算，考虑了收益增长特征、利润率、风险状况、市值和公司的行业等因素，而不仅仅依赖于广泛的同行或行业比较。</p>
</div><p>Comparing the Fair Ratio of 11.19x with the current P/E of 9.51x suggests the shares are trading below that fair multiple.</p>
<div class="lb-trans"><p>将公允比率 11.19 倍与当前市盈率 9.51 倍进行比较，表明该股票的交易价格低于该公允倍数。</p>
</div><p><strong>Result: UNDERVALUED</strong></p>
<div class="lb-trans"><p><strong>结果：被低估</strong></p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/pe-multiple-vs-industry/query-ZGF0ZT0yMDI2LTA1LTAy" alt="" original-src="https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/pe-multiple-vs-industry?date=2026-05-02"/></p>
<p>NYSE:PFS P/E Ratio as at May 2026</p>
<div class="lb-trans"><p>截至 2026 年 5 月的 NYSE:PFS 市盈率</p>
</div><p>P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 1 top founder-led companies.</p>
<div class="lb-trans"><p>市盈率讲述了一个故事，但如果真正的机会在其他地方呢？开始投资于遗产，而不是高管。发现我们的一家顶级创始人领导的公司。</p>
</div><h3>Upgrade Your Decision Making: Choose your Provident Financial Services Narrative</h3>
<div class="lb-trans"><h3>提升您的决策能力：选择您的 Provident Financial Services 故事</h3>
</div><p>Earlier it was mentioned that there is an even better way to understand valuation, so this is where Narratives come in. They give you a simple story behind the numbers by linking your view on Provident Financial Services, such as whether you lean toward the analyst consensus fair value of US$24.60 or a higher US$25 target, to a clear forecast for future revenue, earnings and margins. This is then turned into a Fair Value you can compare with the current share price, all within an easy tool on Simply Wall St's Community page that automatically refreshes as new news or earnings arrive. Different investors can see, for example, how an optimistic view that emphasizes commercial loan growth, digital investment and fee income strength might support one Fair Value, while a more cautious view that focuses on geographic concentration, deposit competition and regulatory costs supports another. Investors can then use those Narrative driven Fair Values to decide whether the current price looks attractive, full or expensive.</p>
<div class="lb-trans"><p>之前提到过，有一种更好的方式来理解估值，这就是叙述。它们通过将您对 Provident Financial Services 的看法（例如，您是否倾向于分析师共识的公允价值 24.60 美元或更高的 25 美元目标）与未来收入、收益和利润率的明确预测联系起来，从而为您提供数字背后的简单故事。然后，这转化为一个公允价值，您可以与当前股价进行比较，所有这些都在 Simply Wall St 的社区页面上的一个易用工具中，该工具会随着新消息或收益的到来自动刷新。不同的投资者可以看到，例如，强调商业贷款增长、数字投资和费用收入强度的乐观观点可能支持一个公允价值，而更谨慎的观点则关注地理集中、存款竞争和监管成本，支持另一个。投资者可以利用这些基于叙述的公允价值来决定当前价格是否看起来有吸引力、饱和或昂贵。</p>
</div><p>Do you think there's more to the story for Provident Financial Services? Head over to our Community to see what others are saying!</p>
<div class="lb-trans"><p>您认为 Provident Financial Services 的故事还有更多内容吗？前往我们的社区，看看其他人怎么说！</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/quote-price/query-ZGF0ZT0yMDI2LTA1LTAy" alt="" original-src="https://images.simplywall.st/company/0e1a5026-fc4f-4969-b4ef-5e56edf0f7ce/chart/quote-price?date=2026-05-02"/></p>
<p>NYSE:PFS 1-Year Stock Price Chart</p>
<div class="lb-trans"><p>NYSE:PFS 1 年股票价格走势图</p>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>这篇来自 Simply Wall St 的文章性质较为一般。<strong>我们仅基于历史数据和分析师预测提供评论，采用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 这并不构成买卖任何股票的推荐，也未考虑到您的目标或财务状况。我们的目标是为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中均没有持仓。</em></p>
</div><h3><strong>New:</strong> Manage All Your Stock Portfolios in One Place</h3>
<div class="lb-trans"><h3><strong>新功能：</strong> 在一个地方管理您的所有股票投资组合</h3>
</div><p>We've created the <strong>ultimate portfolio companion</strong> for stock investors, <strong>and it's free.</strong></p>
<div class="lb-trans"><p>我们为股票投资者创建了 <strong>终极投资组合伴侣</strong>，<strong>而且是免费的。</strong></p>
</div><p>• Connect an unlimited number of Portfolios and see your total in one currency</p>
<div class="lb-trans"><p>• 连接无限数量的投资组合，并以一种货币查看您的总额</p>
</div><p>• Be alerted to new Warning Signs or Risks via email or mobile</p>
<div class="lb-trans"><p>• 通过电子邮件或手机接收新的警告信号或风险提示</p>
</div><p>• Track the Fair Value of your stocks</p>
<div class="lb-trans"><p>• 跟踪您股票的公允价值</p>
</div><p>Try a Demo Portfolio for Free</p>
<div class="lb-trans"><p>免费试用演示投资组合</p>
</div>

在地区银行强劲反弹后，现在考虑 Provident 金融服务（PFS）是否已经太晚？