<ul>
<li>對於那些想知道 Provident Financial Services 當前約為 22.38 美元是否仍然具有價值，或者大部分機會是否已經被定價的讀者，本文將分析當前數據所暗示的內容。</li>
<li>該股票在過去 7 天的回報率為 0.1%，30 天為 5.2%，年初至今為 13.3%，1 年為 37.6%，3 年為 67.1%，5 年為 13.2%。這些數據自然引發了關於剩餘上行或下行空間的疑問。</li>
<li>最近關於 Provident Financial Services 的新聞主要集中在其在美國銀行業中的地位，以及投資者在經歷了之前行業壓力後如何評估區域銀行。這一背景有助於解釋為什麼不同時間段的股價表現受到投資者在權衡風險和回報時的更多關注。</li>
<li>Provident Financial Services 目前的估值評分為 5/6。本文的其餘部分將比較幾種常見的估值方法，最後以更廣泛的方式思考該評分對您的實際意義。</li>
</ul>
<p>Provident Financial Services 在過去一年中實現了 37.6% 的回報。看看這與其他銀行行業的表現相比如何。</p>
<h2>方法 1：Provident Financial Services 超額回報分析</h2>
<p>超額回報模型關注的是公司預計產生的利潤超出投資者持有其股權所需回報的部分。它不是專注於現金流，而是從賬面價值和盈利能力出發，估算當股本回報超過股本成本時創造的價值。</p>
<p>對於 Provident Financial Services，該模型使用每股 21.97 美元的賬面價值和每股 2.51 美元的穩定每股收益，基於 5 位分析師的加權未來股本回報率估算。平均股本回報率為 10.52%，而股本成本為每股 1.80 美元，意味着每股超額回報為 0.71 美元。穩定的賬面價值輸入為每股 23.84 美元，來源於 5 位分析師的加權未來賬面價值估算。</p>
<p>結合這些輸入，超額回報方法得出的每股內在價值約為 40.86 美元。與當前約 22.38 美元的股價相比，這意味着該股票根據該模型被低估了 45.2%。</p>
<p><strong>結果：被低估</strong></p>
<p>我們的超額回報分析表明，Provident Financial Services 被低估了 45.2%。將其添加到您的觀察列表或投資組合中，或發現更多高質量的被低估股票。</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 折現現金流</p>
<p>請查看我們公司報告的估值部分，瞭解我們如何得出 Provident Financial Services 的公允價值。</p>
<h2>方法 2：Provident Financial Services 價格與收益</h2>
<p>市盈率是觀察盈利公司的一種常見方式，因為它將您為股票支付的價格直接與企業已經產生的收益聯繫起來。對於您作為股東來説，這是一個快速的指標，顯示市場為每一美元當前收益要求多少美元的價格。</p>
<p>什麼算是 “正常” 的市盈率通常取決於市場對公司收益增長潛力和風險的看法。更高的增長和較低的感知風險通常會使更高的市盈率合理，而較慢的增長或更高的風險則往往會處於較低的市盈率水平。</p>
<p>Provident Financial Services 當前的市盈率為 9.51 倍。這低於銀行行業平均市盈率約 11.41 倍和同行平均 15.40 倍。Simply Wall St 對 Provident Financial Services 的公允比率為 11.19 倍。該公允比率是對市盈率可能合理水平的專有估算，考慮了收益增長特徵、利潤率、風險狀況、市值和公司的行業等因素，而不僅僅依賴於廣泛的同行或行業比較。</p>
<p>將公允比率 11.19 倍與當前市盈率 9.51 倍進行比較，表明該股票的交易價格低於該公允倍數。</p>
<p><strong>結果：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>市盈率講述了一個故事，但如果真正的機會在其他地方呢？開始投資於遺產，而不是高管。發現我們的一家頂級創始人領導的公司。</p>
<h3>提升您的決策能力：選擇您的 Provident Financial Services 故事</h3>
<p>之前提到過，有一種更好的方式來理解估值，這就是敍述。它們通過將您對 Provident Financial Services 的看法（例如，您是否傾向於分析師共識的公允價值 24.60 美元或更高的 25 美元目標）與未來收入、收益和利潤率的明確預測聯繫起來，從而為您提供數字背後的簡單故事。然後，這轉化為一個公允價值，您可以與當前股價進行比較，所有這些都在 Simply Wall St 的社區頁面上的一個易用工具中，該工具會隨着新消息或收益的到來自動刷新。不同的投資者可以看到，例如，強調商業貸款增長、數字投資和費用收入強度的樂觀觀點可能支持一個公允價值，而更謹慎的觀點則關注地理集中、存款競爭和監管成本，支持另一個。投資者可以利用這些基於敍述的公允價值來決定當前價格是否看起來有吸引力、飽和或昂貴。</p>
<p>您認為 Provident Financial Services 的故事還有更多內容嗎？前往我們的社區，看看其他人怎麼説！</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 年股票價格走勢圖</p>
<p><em>這篇來自 Simply Wall St 的文章性質較為一般。<strong>我們僅基於歷史數據和分析師預測提供評論，採用無偏見的方法，我們的文章並不旨在提供財務建議。</strong> 這並不構成買賣任何股票的推薦，也未考慮到您的目標或財務狀況。我們的目標是為您提供以基本數據驅動的長期分析。請注意，我們的分析可能未考慮最新的價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沒有持倉。</em></p>
<h3><strong>新功能：</strong> 在一個地方管理您的所有股票投資組合</h3>
<p>我們為股票投資者創建了 <strong>終極投資組合伴侶</strong>，<strong>而且是免費的。</strong></p>
<p>• 連接無限數量的投資組合，並以一種貨幣查看您的總額</p>
<p>• 通過電子郵件或手機接收新的警告信號或風險提示</p>
<p>• 跟蹤您股票的公允價值</p>
<p>免費試用演示投資組合</p>

Provident金融服務

<p>Provident 金融服務（PFS）目前的價格約為 22.38 美元，這引發了人們對其價值的質疑，尤其是在最近的股票表現之後。過去一年，該股票的回報率為 37.6%，根據超額收益分析，其被認為低估了 45.2%，每股的估計內在價值為 40.86 美元。此外，PFS 的市盈率為 9.51，低於行業平均水平，進一步表明其被低估。投資者被鼓勵根據 PFS 的估值指標和在區域銀行業的市場地位來評估其潛力</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>對於那些想知道 Provident Financial Services 當前約為 22.38 美元是否仍然具有價值，或者大部分機會是否已經被定價的讀者，本文將分析當前數據所暗示的內容。</li>
<li>該股票在過去 7 天的回報率為 0.1%，30 天為 5.2%，年初至今為 13.3%，1 年為 37.6%，3 年為 67.1%，5 年為 13.2%。這些數據自然引發了關於剩餘上行或下行空間的疑問。</li>
<li>最近關於 Provident Financial Services 的新聞主要集中在其在美國銀行業中的地位，以及投資者在經歷了之前行業壓力後如何評估區域銀行。這一背景有助於解釋為什麼不同時間段的股價表現受到投資者在權衡風險和回報時的更多關注。</li>
<li>Provident Financial Services 目前的估值評分為 5/6。本文的其餘部分將比較幾種常見的估值方法，最後以更廣泛的方式思考該評分對您的實際意義。</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 在過去一年中實現了 37.6% 的回報。看看這與其他銀行行業的表現相比如何。</p>
</div><h2>Approach 1: Provident Financial Services Excess Returns Analysis</h2>
<div class="lb-trans"><h2>方法 1：Provident Financial Services 超額回報分析</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>超額回報模型關注的是公司預計產生的利潤超出投資者持有其股權所需回報的部分。它不是專注於現金流，而是從賬面價值和盈利能力出發，估算當股本回報超過股本成本時創造的價值。</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>對於 Provident Financial Services，該模型使用每股 21.97 美元的賬面價值和每股 2.51 美元的穩定每股收益，基於 5 位分析師的加權未來股本回報率估算。平均股本回報率為 10.52%，而股本成本為每股 1.80 美元，意味着每股超額回報為 0.71 美元。穩定的賬面價值輸入為每股 23.84 美元，來源於 5 位分析師的加權未來賬面價值估算。</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>結合這些輸入，超額回報方法得出的每股內在價值約為 40.86 美元。與當前約 22.38 美元的股價相比，這意味着該股票根據該模型被低估了 45.2%。</p>
</div><p><strong>Result: UNDERVALUED</strong></p>
<div class="lb-trans"><p><strong>結果：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>我們的超額回報分析表明，Provident Financial Services 被低估了 45.2%。將其添加到您的觀察列表或投資組合中，或發現更多高質量的被低估股票。</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 折現現金流</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>請查看我們公司報告的估值部分，瞭解我們如何得出 Provident Financial Services 的公允價值。</p>
</div><h2>Approach 2: Provident Financial Services Price vs Earnings</h2>
<div class="lb-trans"><h2>方法 2：Provident Financial Services 價格與收益</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>市盈率是觀察盈利公司的一種常見方式，因為它將您為股票支付的價格直接與企業已經產生的收益聯繫起來。對於您作為股東來説，這是一個快速的指標，顯示市場為每一美元當前收益要求多少美元的價格。</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>什麼算是 “正常” 的市盈率通常取決於市場對公司收益增長潛力和風險的看法。更高的增長和較低的感知風險通常會使更高的市盈率合理，而較慢的增長或更高的風險則往往會處於較低的市盈率水平。</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 當前的市盈率為 9.51 倍。這低於銀行行業平均市盈率約 11.41 倍和同行平均 15.40 倍。Simply Wall St 對 Provident Financial Services 的公允比率為 11.19 倍。該公允比率是對市盈率可能合理水平的專有估算，考慮了收益增長特徵、利潤率、風險狀況、市值和公司的行業等因素，而不僅僅依賴於廣泛的同行或行業比較。</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>將公允比率 11.19 倍與當前市盈率 9.51 倍進行比較，表明該股票的交易價格低於該公允倍數。</p>
</div><p><strong>Result: UNDERVALUED</strong></p>
<div class="lb-trans"><p><strong>結果：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>市盈率講述了一個故事，但如果真正的機會在其他地方呢？開始投資於遺產，而不是高管。發現我們的一家頂級創始人領導的公司。</p>
</div><h3>Upgrade Your Decision Making: Choose your Provident Financial Services Narrative</h3>
<div class="lb-trans"><h3>提升您的決策能力：選擇您的 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>之前提到過，有一種更好的方式來理解估值，這就是敍述。它們通過將您對 Provident Financial Services 的看法（例如，您是否傾向於分析師共識的公允價值 24.60 美元或更高的 25 美元目標）與未來收入、收益和利潤率的明確預測聯繫起來，從而為您提供數字背後的簡單故事。然後，這轉化為一個公允價值，您可以與當前股價進行比較，所有這些都在 Simply Wall St 的社區頁面上的一個易用工具中，該工具會隨着新消息或收益的到來自動刷新。不同的投資者可以看到，例如，強調商業貸款增長、數字投資和費用收入強度的樂觀觀點可能支持一個公允價值，而更謹慎的觀點則關注地理集中、存款競爭和監管成本，支持另一個。投資者可以利用這些基於敍述的公允價值來決定當前價格是否看起來有吸引力、飽和或昂貴。</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>您認為 Provident Financial Services 的故事還有更多內容嗎？前往我們的社區，看看其他人怎麼説！</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 年股票價格走勢圖</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>這篇來自 Simply Wall St 的文章性質較為一般。<strong>我們僅基於歷史數據和分析師預測提供評論，採用無偏見的方法，我們的文章並不旨在提供財務建議。</strong> 這並不構成買賣任何股票的推薦，也未考慮到您的目標或財務狀況。我們的目標是為您提供以基本數據驅動的長期分析。請注意，我們的分析可能未考慮最新的價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沒有持倉。</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> 在一個地方管理您的所有股票投資組合</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>我們為股票投資者創建了 <strong>終極投資組合伴侶</strong>，<strong>而且是免費的。</strong></p>
</div><p>• Connect an unlimited number of Portfolios and see your total in one currency</p>
<div class="lb-trans"><p>• 連接無限數量的投資組合，並以一種貨幣查看您的總額</p>
</div><p>• Be alerted to new Warning Signs or Risks via email or mobile</p>
<div class="lb-trans"><p>• 通過電子郵件或手機接收新的警告信號或風險提示</p>
</div><p>• Track the Fair Value of your stocks</p>
<div class="lb-trans"><p>• 跟蹤您股票的公允價值</p>
</div><p>Try a Demo Portfolio for Free</p>
<div class="lb-trans"><p>免費試用演示投資組合</p>
</div>

在地區銀行強勁反彈後，現在考慮 Provident 金融服務（PFS）是否已經太晚？