{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d",
    "symbol": "PFS",
    "name": "Provident Financial Services Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d",
      "symbol": "PFS",
      "name": "Provident Financial Services Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "PFS",
    "market_cap": 3064977920.0,
    "market_cap_usd": 2932057957.5,
    "price": 23.52,
    "currency": "USD",
    "dividend_yield": 0.0413,
    "dividend_years": 23,
    "dividend_growth_5y": 0.00854825,
    "dividend_cut_5y": false,
    "payout_ratio": 0.4085,
    "net_income": 291160000.0,
    "free_cash_flow": 430725000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.85540016,
    "revenue_growth_5y": 0.25977926,
    "net_margin": 0.34599,
    "roe": 0.11104,
    "pe_ratio": 10.008512,
    "price_vs_ma": 0.11578824,
    "return_3y": 0.67015311,
    "return_5y": 0.25997277,
    "max_drawdown": -0.41545424,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 96.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/",
      "chart": "https://sharemaestro.com/terminal/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 96.0,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS qualified as a dividend compounder candidate",
      "detail": "Score 96.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2026-05-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2026-02-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2025-11-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2025-08-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2025-05-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2025-02-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2024-11-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2024-08-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2024-04-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2024-02-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2023-11-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2023-08-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "PFS dividend payment 0.24 USD",
      "detail": "Recorded dividend payment for Provident Financial Services Inc.",
      "amount": 0.24,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2019-05-14",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "Dividend decreased -46.5%",
      "detail": "Payment changed from 0.43 to 0.23.",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2019-02-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "Dividend increased 104.8%",
      "detail": "Payment changed from 0.21 to 0.43.",
      "amount": 0.43,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2018-02-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "Dividend increased 33.3%",
      "detail": "Payment changed from 0.15 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2017-12-07",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "Dividend decreased -25.0%",
      "detail": "Payment changed from 0.2 to 0.15.",
      "amount": 0.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2017-08-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 0.19 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    },
    {
      "event_date": "2017-02-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PFS",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 0.18 to 0.19.",
      "amount": 0.19,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/"
    }
  ]
}