Provident Financial Services, Inc. Financial Ratios — PFS

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	16.45	17.84	17.22	16.46	17.18	16.56	16.5	19.11	16.71	13.7	21.89	20.26	13.56	11.75	27.13
Return on Assets (%)	0.82	0.94	0.96	0.92	0.96	0.95	0.97	1.21	1.15	0.85	1.26	1.27	0.92	0.6	1.19
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.89	3.57	3.37	3.98	4.49	4.06	3.48	2.81	5.2	5.2	5.02	4.69	4.63	7.86	7.53
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	31.06	36.84	40.71	37.64	39.38	39.74	42.07	40.05	40.66	33.13	50.16	47.51	36.68	21.54	46.89
Profit Margin (%)	23.07	25.78	27.11	26.29	27.44	27.97	28.14	32.94	31.13	25.18	37.08	34.76	26.79	16.63	33.45
Net Income to Common Margin (%)	23.07	25.78	27.11	26.29	27.44	27.97	28.14	32.94	31.13	25.18	37.08	34.76	26.79	16.63	33.45
Effective Tax Rate (%)	25.71	30.02	33.4	30.15	30.33	29.64	33.12	17.74	23.42	23.99	26.06	26.85	26.95	22.79	28.66
Dvd Payout Ratio (%)	46.74	60.55	45.82	49.05	49.31	51.67	63.84	45.28	64.64	67.89	42.57	41	56.42	87.39	43.24
Sustainable Growth Rate (%)	8.76	7.04	9.33	8.39	8.71	8.01	5.97	10.46	5.91	4.4	12.57	11.95	5.91	1.48	15.4

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	548	508	958	1,263	1,446	1,456	1,599	1,321	1,064	1,101	520	1,250	1,459	2,309	2,424
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	548	508	958	1,263	1,446	1,456	1,599	1,321	1,064	1,101	520	1,250	1,459	2,309	2,424
Total Debt/EBITDA	56.76	54.43	109.11	113.47	105.46	114.11	137.6	130.78	56.53	54.99	22.89	52.75	65.73	42.3	36.99
Net Debt/EBITDA	49.56	43.3	97.58	104.15	98.01	102.8	121.18	116.65	46.61	28.41	-8.45	44.88	57.61	38.52	33.77
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.13	5.36	5.72	5.47	5.71	5.81	5.96	6.7	7.1	5.56	5.92	6.67	6.86	4.12	4.63
Long-Term Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Long-Term Debt/Capital (%)	60.11	56.53	69.08	73.05	73.99	72.53	73.15	66.96	60.46	60.5	38.95	57.63	59.93	69.98	67.71
Long-Term Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
Total Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Total Debt/Capital (%)	60.11	56.53	69.08	73.05	73.99	72.53	73.15	66.96	60.46	60.5	38.95	57.63	59.93	69.98	67.71
Total Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
Net Debt to Equity	50.26	41.15	84.72	101.35	112.37	104.79	108.46	86.7	62.08	35.12	-11.32	66.56	75.61	80.84	78.08
Net Debt/Capital (%)	56.82	50.85	66.64	71.33	72.55	70.4	70.59	64.38	55.77	44.17	-30.84	53.64	56.72	67.98	65.68
EBITDA	10	9	9	11	14	13	12	10	19	20	23	24	22	55	66
EBITDA-CapEx	1	2	1	-5	8	8	8	7	14	7	9	14	15	53	54
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.13	5.36	5.72	5.47	5.71	5.81	5.96	6.7	7.1	5.56	5.92	6.67	6.86	4.12	4.63
Long-Term Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Long-Term Debt/Capital (%)	60.11	56.53	69.08	73.05	73.99	72.53	73.15	66.96	60.46	60.5	38.95	57.63	59.93	69.98	67.71
Long-Term Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
Total Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Total Debt/Capital (%)	60.11	56.53	69.08	73.05	73.99	72.53	73.15	66.96	60.46	60.5	38.95	57.63	59.93	69.98	67.71
Total Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
CFO/Total Liabilities	1.53	1.72	1.85	1.38	1.49	1.54	1.37	1.86	1.63	0.91	1.3	1.64	1.38	1.99	2
CFO/CapEx	10.98	14.14	15.56	6.18	19.44	25.49	36.28	49.25	28.05	8.05	11.36	21.28	23.16	326.23	38.33
Altman's Z-Score	0.19	0.2	0.22	0.2	0.22	0.25	0.24	0.25	0.26	0.18	0.21	0.21	0.2	0.15	0.17

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	9.96	10.73	11.08	11.62	11.97	11.88	11.77	11.76	11.96	10.2	10.24	10.76	8.65	9.26	9.31
Days Sales Outstanding	36.65	34.03	32.94	31.4	30.5	30.72	31.01	31.04	30.52	35.78	35.64	33.91	42.22	39.44	39.2
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	761	853	1,106	1,091	1,268	1,801	1,736	1,567	1,592	1,249	1,852	1,596	1,349	2,069	2,577
- Cash & Cash Equivalents	70	104	101	104	102	144	191	143	187	532	712	187	180	206	211
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	548	508	958	1,263	1,446	1,456	1,599	1,321	1,064	1,101	520	1,250	1,459	2,309	2,424
Enterprise Value	-136	-8	805	1,176	1,648	2,073	2,108	1,682	1,493	712	-398	855	938	1,403	4,675
Total Capital	912	898	1,386	1,729	1,955	2,008	2,186	1,973	1,761	1,820	1,336	2,169	2,434	3,299	3,579
Total Debt/Capital (%)	60.11	56.53	69.08	73.05	73.99	72.53	73.15	66.96	60.46	60.5	38.95	57.63	59.93	69.98	67.71
Total Debt / EV	-4.03	-67.14	1.19	1.07	0.88	0.7	0.76	0.79	0.71	1.55	-1.31	1.46	1.56	1.65	0.52
EV/Sales	- -	- -	3.09	4.2	5.4	6.6	6.31	4.68	4.13	1.85	- -	1.69	1.96	2.02	5.37
EV/EBITDA	- -	- -	91.68	105.61	120.16	162.42	181.35	166.55	79.31	35.58	- -	36.1	42.26	25.71	71.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	6.71	11.56	14.35	16.28	17.98	10.8	10.91	6.9	- -	4.27	5.41	3.29	10.57
EV/Free Cash Flow to Firm	- -	- -	6.3	9.95	13.64	15.66	17.5	10.59	10.53	6.13	- -	4.08	5.18	3.28	10.3
Diluted Market Cap	761	853	1,108	1,094	1,272	1,807	1,742	1,571	1,596	1,250	1,854	1,597	1,350	2,070	2,578
Diluted Enterprise Value	1,240	1,257	1,965	2,253	2,616	3,119	3,150	2,749	2,473	1,819	1,662	2,661	2,628	4,173	4,790
EV per Share	- -	- -	14.06	19.47	26.18	32.56	32.74	25.9	23.11	10.24	- -	11.45	12.53	12.8	35.84
TTM Sales	249	261	260	280	305	314	334	359	362	385	453	505	479	695	870
TTM EBITDA	10	9	9	11	14	13	12	10	19	20	23	24	22	55	66
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	94	108	120	102	115	127	117	156	137	103	157	200	173	426	442
TTM Free Cash Flow to Firm	102	116	128	118	121	132	120	159	142	116	171	210	181	428	454

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	7.44	7.36	8.68	9.26	10.53	13.66	14.46	9.89	11.25	10.77	10.87	7.62	7.46	4.84	5.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-136	-8	805	1,176	1,648	2,073	2,108	1,682	1,493	712	-398	855	938	1,403	4,675
Low Price	10.12	13.13	14.41	16.06	16.86	17.71	23.19	22.22	23.08	9.05	17.5	19.18	13.43	13.07	14.34
EV/Sales	- -	- -	3.09	4.2	5.4	6.6	6.31	4.68	4.13	1.85	- -	1.69	1.96	2.02	5.37
EV/EBITDA	- -	- -	91.68	105.61	120.16	162.42	181.35	166.55	79.31	35.58	- -	36.1	42.26	25.71	71.37
Price/Earnings	13.28	12.68	15.68	14.81	15.15	20.51	18.48	13.24	14.14	12.88	11.03	9.08	10.51	17.91	8.85
Price/Earnings Average	13.36	12.51	13.33	14.32	14.33	15.31	17.8	14.21	14.41	11.17	10.39	9.7	10.45	16.13	8.2
Price/Earnings High	15.39	13.8	16.17	15.85	15.94	20.83	19.82	15.97	16.03	17.82	11.83	11.14	14.33	21.11	9.54
Price/Earnings Low	10.03	11.15	11.69	13.17	12.68	12.84	15.89	12.19	13.24	6.49	7.97	8.16	7.83	12.41	6.43
Price/Book Value	2.09	2.18	2.58	2.34	2.49	3.27	2.96	2.4	2.29	1.74	2.27	1.74	1.38	2.09	2.23
Price/Book Value Average	2.11	2.16	2.19	2.26	2.36	2.44	2.85	2.58	2.33	1.51	2.14	1.85	1.38	1.88	2.07
Price/Book Value High	2.43	2.38	2.66	2.5	2.62	3.31	3.17	2.9	2.59	2.4	2.44	2.13	1.89	2.46	2.4
Price/Book Value Low	1.58	1.92	1.92	2.08	2.09	2.04	2.54	2.21	2.14	0.88	1.64	1.56	1.03	1.45	1.62
Price/Tangible Book Value	1.29	1.37	1.69	1.47	1.65	2.17	1.98	1.67	1.63	1.08	1.5	1.4	1.09	1.16	1.26
Price/Tangible Book Value Average	1.29	1.35	1.44	1.43	1.56	1.62	1.9	1.79	1.66	0.94	1.41	1.5	1.09	1.05	1.16
Price/Tangible Book Value High	1.49	1.49	1.74	1.58	1.73	2.21	2.12	2.01	1.85	1.5	1.61	1.72	1.49	1.37	1.35
Price/Tangible Book Value Low	0.97	1.2	1.26	1.31	1.38	1.36	1.7	1.53	1.53	0.55	1.09	1.26	0.82	0.8	0.91
Price/Sales	3.06	3.27	4.25	3.89	4.16	5.74	5.2	4.36	4.4	3.24	4.09	3.16	2.82	2.98	2.96
Price/Sales Average	3.08	3.22	3.61	3.77	3.93	4.28	5.01	4.68	4.49	2.81	3.85	3.37	2.8	2.68	2.74
Price/Sales High	3.55	3.56	4.38	4.17	4.37	5.82	5.58	5.26	4.99	4.49	4.39	3.87	3.84	3.51	3.19
Price/Sales Low	2.32	2.88	3.17	3.46	3.48	3.59	4.47	4.02	4.12	1.63	2.96	2.84	2.1	2.06	2.15
Price/Cash Flow	8.11	7.87	9.22	10.73	11.04	14.15	14.81	10.06	11.63	12.09	11.81	7.97	7.78	4.85	5.83
Price/Cash Flow Average	8.17	7.77	7.84	10.37	10.44	10.56	14.27	10.81	11.85	10.48	11.12	8.51	7.74	4.37	5.4
Price/Cash Flow High	9.4	8.58	9.51	11.47	11.62	14.36	15.88	12.14	13.18	16.72	12.67	9.77	10.61	5.72	6.28
Price/Cash Flow Low	6.13	6.93	6.88	9.54	9.24	8.85	12.74	9.27	10.89	6.09	8.53	7.15	5.8	3.36	4.23
Price/Free Cash Flow Average	7.49	7.26	7.38	8.95	9.96	10.19	13.93	10.62	11.47	9.33	10.24	8.13	7.42	4.36	5.27
Price/Free Cash Flow High	8.62	8.02	8.96	9.91	11.08	13.87	15.51	11.93	12.75	14.89	11.66	9.34	10.17	5.71	6.12
Price/Free Cash Flow Low	5.62	6.48	6.48	8.23	8.81	8.55	12.43	9.1	10.54	5.43	7.85	6.84	5.56	3.35	4.12
EV/Sales Average	5.01	4.77	6.91	7.91	8.34	8.46	9.23	7.96	6.91	4.29	3.43	5.48	5.47	5.71	5.29
EV/Sales High	5.48	5.11	7.68	8.31	8.78	10	9.79	8.54	7.42	5.96	3.96	5.98	6.51	6.54	5.73
EV/Sales Low	4.24	4.42	6.46	7.6	7.88	7.77	8.69	7.29	6.55	3.11	2.53	4.94	4.76	5.09	4.69
EV/EBITDA Average	128.87	133.51	204.72	198.86	185.49	208.13	265.06	283.24	132.81	82.48	68.3	116.79	118.06	72.66	70.23
EV/EBITDA High	140.9	142.86	227.56	208.95	195.31	246.1	281.38	303.87	142.48	114.68	78.95	127.49	140.51	83.21	76.16
EV/EBITDA Low	109.12	123.74	191.56	191.27	175.39	191.14	249.64	259.51	125.81	59.84	50.42	105.35	102.91	64.78	62.32
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.39	14.92	19.32	18.06	20.15	28.3	26.97	24.13	24.65	17.96	24.22	21.36	18.03	18.87	19.75
High Price	15.52	16.25	19.93	19.32	21.2	28.73	28.92	29.12	27.94	24.84	25.98	26.2	24.58	22.24	21.29
Enterprise Value Average	1,245	1,245	1,797	2,214	2,544	2,656	3,081	2,861	2,500	1,652	1,552	2,767	2,620	3,966	4,601
Enterprise Value High	1,361	1,332	1,997	2,326	2,679	3,140	3,271	3,069	2,683	2,296	1,795	3,021	3,118	4,542	4,990
Enterprise Value Low	1,054	1,154	1,681	2,129	2,405	2,439	2,902	2,621	2,369	1,198	1,146	2,496	2,283	3,536	4,083

Shares Outstanding	60	60	60	65	65	66	67	66	66	78	77	75	76	130	131
Diluted Weighted Avg Shares	57	57	57	61	63	64	65	65	65	70	77	75	75	110	131
Basic Weighted Avg Shares	57	57	57	60	63	64	64	65	65	70	76	75	75	110	130
Revenue per Share	4.37	4.57	4.55	4.64	4.85	4.93	5.19	5.53	5.6	5.54	5.92	6.76	6.4	6.33	6.67
EBITDA per Share	0.17	0.16	0.15	0.18	0.22	0.2	0.18	0.16	0.29	0.29	0.3	0.32	0.3	0.5	0.5
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.01	1.18	1.23	1.22	1.33	1.38	1.46	1.82	1.74	1.39	2.2	2.35	1.72	1.05	2.23
Basic EPS from Cont Ops	1.01	1.18	1.23	1.22	1.33	1.38	1.46	1.82	1.74	1.39	2.2	2.35	1.72	1.05	2.23
Diluted EPS, GAAP	1.01	1.18	1.23	1.22	1.33	1.38	1.45	1.82	1.74	1.39	2.19	2.35	1.71	1.05	2.23
Diluted EPS from Cont Ops	1.01	1.18	1.23	1.22	1.33	1.38	1.45	1.82	1.74	1.39	2.19	2.35	1.71	1.05	2.23
Dividend per Share	0.47	0.71	0.56	0.6	0.66	0.71	0.93	0.83	1.13	0.95	0.93	0.96	0.97	0.92	0.97
Cash Flow per Share	1.65	1.89	2.1	1.68	1.82	2	1.82	2.4	2.12	1.49	2.05	2.68	2.32	3.89	3.39
Free Cash Flow per Basic Share	1.5	1.76	1.96	1.41	1.73	1.92	1.77	2.35	2.04	1.3	1.87	2.56	2.22	3.88	3.3
Cash & Equivalents per Share	25.43	23.94	21.99	19.51	16.95	18.61	19.07	18.57	18.01	23.55	36.23	26.64	24.99	27.13	2.49
Book Value per Share	6.4	6.83	7.49	7.72	8.08	8.67	9.12	10.04	10.77	10.34	10.66	12.3	13.03	9.03	8.86
Tangible Book Value per Share	10.41	10.91	11.43	12.25	12.23	13.02	13.64	14.49	15.12	16.59	16.12	15.22	16.47	16.25	15.72

Provident Financial Services, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)