Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/204c3d0a-9db7-489f-b4ff-cd50bfdb5e4d/
PFS
Provident Financial Services IncSnapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.950
↗
Trending Value
✗
◆
Quality × Value
QV 0.819
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 9.6
◇
VC2 Cheapest
✗
📐
EBITDA/EV
8.3%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +15%
🔄
Shareholder Yield
4.3%
💰
High Yield
Div 4.3%
🚀
Momentum Leaders
12-1 38%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.53
V
Value Analysis
Cheapness relative to fundamentals
85.0%ile
P/E
9.6×
P/S
2.1×
P/B
1.0×
E/P
0.1043
FCF Yield
0.082
EBITDA/EV
0.083
SH Yield
0.043
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
15.00000000
/100 — 1=cheapest
VC2 (Trending Value)
11.00000000
/100
VC3 (Buyback)
11.00000000
/100
P/E of 9.6x places this firmly in deep value territory. FCF yield of 8.2% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
79.0%ile
ROE
0.107
ROA
0.012
Net Margin
0.219
Op Margin
0.305
GPA
0.035
D/E
7.80
Current
0.18
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.148
Earn Growth
1.079
Stability
0.540
lower=better
Accruals
-0.005
lower=better
5yr Consist
No
Highly leveraged with D/E of 7.80 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
81.0%ile
6M Return
14.8%
12M Return
40.6%
12-1 Mom
38.5%
Risk-Adj
1.53
Vol 252d
25.1%
Vol 60d
52.8%
↑ Expanding
Max DD 12M
-13.8%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 38% is very strong — a clear uptrend. Risk-adjusted momentum of 1.53 is excellent — strong returns relative to volatility. Near-term vol (53%) is expanding vs long-term (25%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.95
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
61.1%
Sector Quality %ile
58.9%
P/E z-score
-0.21
P/B z-score
-0.07
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (85th) and quality (79th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (85th value) with strong momentum (81th). The market is starting to recognise the value.
Strong Capital Return
Shareholder yield 4.3% backed by 8.2% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (53%) significantly exceeds 252-day (25%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
73.3% avg (7 factors)
Quality
D
37.0% avg (8 factors)
Momentum
B
70.6% avg (4 factors)
Risk
B
74.8% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.950 | —1 | — | |
| Value %ile | 0.850 | —1 | — | |
| Quality %ile | 0.790 | —1 | — | |
| Momentum %ile | 0.810 | —1 | — | |
| F-Score | 7.000 | —1 | — | |
| Confidence | 1.000 | —1 | — | |
| Volatility | 0.251 | —0 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
9.58
Earnings Yield (E/P)
0.1043
Price / Sales
2.10
Price / Book
1.03
Price / Cash Flow
6.70
FCF Yield
8.2%
EBITDA / EV
8.3%
Sales Yield (1/P·S)
0.2534
Shareholder Yield
Div + net buyback / mktcap
4.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
10.7%
Return on Assets
1.2%
Net Margin
21.9%
Operating Margin
30.5%
Gross Profit / Assets
Novy-Marx GPA
3.5%
Debt / Equity
7.80
Current Ratio
0.18
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.005
MomentumPrice trend strength over different horizons
6M Return
14.8%
12M Return
40.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
38.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.53
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
14.8%
Earnings Growth (YoY)
107.9%
Earnings Stability (CV)
Lower = more stable
0.540
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
7
Dividend Yield
4.3%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
15
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
11
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
11
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity