Provident Financial Company Insiders
| PFS Stock | USD 15.55 0.03 0.19% |
Slightly above 66 percent of all Provident Financial's insiders are acquiring. The analysis of insider sentiment suggests that a large number of Provident Financial Services insiders are, at present, confidant. Provident Financial employs about 1.1 K people. The company is managed by 47 executives with a total tenure of roughly 396 years, averaging almost 8.0 years of service per executive, having 23.6 employees per reported executive.
| Christopher Martin Chairman Chairman, CEO and President Chairman of the Provident Bank, CEO of Provident Bank and President of Provident Bank |
| Brian Giovinazzi President Executive Vice President and Chief Credit Officer of Provident Bank |
Provident Financial's Insider Buying Vs Selling
66
Selling | Buying |
Latest Trades
| 2024-02-05 | George Lista | Acquired 1094 @ 15.85 | View | ||
| 2024-01-30 | Robert Mcnerney | Disposed 5000 @ 17.86 | View | ||
| 2023-11-02 | Vito Giannola | Disposed 10000 @ 14.61 | View | ||
| 2023-09-13 | Walter Sierotko | Acquired 6300 @ 15.66 | View | ||
| 2023-09-12 | James P Dunigan | Acquired 100 @ 15.73 | View | ||
| 2023-08-14 | Frank L Fekete | Disposed 1000 @ 17.79 | View | ||
| 2023-05-05 | George Lista | Acquired 1500 @ 15.66 | View | ||
| 2023-05-03 | Anthony J Labozzetta | Acquired 60 @ 15.72 | View | ||
| 2023-05-02 | James P Dunigan | Acquired 500 @ 15.62 | View |
Monitoring Provident Financial's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Provident |
Provident Financial's Workforce Through the Years
Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Provident Financial's future performance. Based on our forecasts, it is anticipated that Provident will maintain a workforce of slightly above 1110 employees by May 2024.Provident Financial's latest congressional trading
Congressional trading in companies like Provident Financial, is subject to rigorous scrutiny to prevent conflicts of interest and insider trading. This is governed by multiple SEC regulations which were established to foster transparency and deter members of Congress from leveraging non-public information for personal gain. This oversight helps maintain public trust and ensures that investments in Provident Financial by those in governmental positions are based on the same information available to the general public.
| 2018-01-08 | Senator Patrick J Toomey | Acquired Under $15K | Verify | ||
| 2018-01-05 | Senator Patrick J. Toomey | Acquired Under $15K | Verify |
Provident Financial Management Team Effectiveness
Return On Capital Employed is likely to gain to 0.1 in 2024, whereas Return On Tangible Assets are likely to drop 0.01 in 2024. At this time, Provident Financial's Non Current Assets Total are comparatively stable compared to the past year. Intangibles To Total Assets is likely to gain to 0.05 in 2024, whereas Other Assets are likely to drop slightly above 8.7 B in 2024. Provident Financial's management efficiency ratios could be used to measure how well Provident Financial manages its routine affairs as well as how well it operates its assets and liabilities.Net Income Applicable To Common Shares is likely to gain to about 212.1 M in 2024, whereas Common Stock Shares Outstanding is likely to drop slightly above 69.3 M in 2024.
Provident Financial Workforce Comparison
Provident Financial Services is regarded third in number of employees category among related companies. The total workforce of Financials industry is at this time estimated at about 15,231. Provident Financial holds roughly 1,109 in number of employees claiming about 7% of equities under Financials industry.
Provident Financial Profit Margins
The company has Net Profit Margin of 0.27 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.42 %, which entails that for every 100 dollars of revenue, it generated $0.42 of operating income.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.72 | 0.9319 |
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| Net Profit Margin | 0.28 | 0.1846 |
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| Operating Profit Margin | 1.2 | 0.8102 |
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| Pretax Profit Margin | 0.41 | 0.2527 |
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| Return On Assets | 0.0061 | 0.009 |
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| Return On Equity | 0.0458 | 0.0759 |
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Provident Financial Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Provident Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Provident Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Provident Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2024-03-01 | 0.8438 | 27 | 32 | 255,471 | 40,876 |
| 2023-12-01 | 0.1 | 1 | 10 | 200.00 | 20,000 |
| 2023-09-01 | 7.5 | 15 | 2 | 6,400 | 1,000.00 |
| 2023-06-01 | 7.5 | 15 | 2 | 57,118 | 0.00 |
| 2023-03-01 | 0.8214 | 23 | 28 | 221,958 | 112,451 |
| 2022-12-01 | 0.1667 | 1 | 6 | 500.00 | 6,716 |
| 2022-09-01 | 0.5 | 1 | 2 | 2,508 | 6,590 |
| 2022-06-01 | 4.0 | 12 | 3 | 43,589 | 9,000 |
| 2022-03-01 | 0.5116 | 22 | 43 | 150,077 | 24,778 |
| 2021-12-01 | 1.0 | 4 | 4 | 43,042 | 36,457 |
| 2021-09-01 | 0.1538 | 2 | 13 | 3,928 | 22,000 |
| 2021-06-01 | 0.6111 | 11 | 18 | 39,897 | 33,215 |
| 2021-03-01 | 0.5909 | 26 | 44 | 199,100 | 36,911 |
| 2020-12-01 | 1.0 | 2 | 2 | 2,750 | 3,190 |
| 2020-09-01 | 5.1667 | 31 | 6 | 47,582 | 4,000 |
| 2020-06-01 | 5.3333 | 16 | 3 | 77,690 | 1,045 |
| 2020-03-01 | 0.7 | 21 | 30 | 225,836 | 20,236 |
| 2019-09-01 | 7.0 | 7 | 1 | 8,128 | 784.00 |
| 2019-06-01 | 0.8571 | 12 | 14 | 44,002 | 24,220 |
| 2019-03-01 | 0.6571 | 23 | 35 | 162,863 | 49,572 |
| 2018-09-01 | 1.3333 | 12 | 9 | 64,284 | 50,257 |
| 2018-06-01 | 1.8333 | 11 | 6 | 32,970 | 7,378 |
| 2018-03-01 | 0.7742 | 24 | 31 | 172,174 | 64,138 |
| 2017-12-01 | 0.0926 | 5 | 54 | 21,160 | 49,335 |
| 2017-06-01 | 0.6111 | 11 | 18 | 56,473 | 2,650 |
| 2017-03-01 | 0.18 | 27 | 150 | 245,382 | 383,218 |
| 2016-12-01 | 0.0667 | 1 | 15 | 2,364 | 13,880 |
| 2016-09-01 | 0.1176 | 16 | 136 | 138,595 | 261,809 |
| 2016-06-01 | 0.5 | 11 | 22 | 40,508 | 48,757 |
| 2016-03-01 | 0.3053 | 29 | 95 | 286,757 | 181,232 |
| 2015-12-01 | 0.2857 | 12 | 42 | 56,741 | 95,687 |
| 2015-09-01 | 0.875 | 7 | 8 | 44,223 | 50,430 |
| 2015-06-01 | 0.8333 | 15 | 18 | 72,661 | 78,527 |
| 2015-03-01 | 0.6122 | 30 | 49 | 365,975 | 79,649 |
| 2014-09-01 | 1.0 | 1 | 1 | 1,000.00 | 6,000 |
| 2014-06-01 | 2.2 | 11 | 5 | 57,692 | 6,825 |
| 2014-03-01 | 1.1875 | 38 | 32 | 144,220 | 37,010 |
| 2013-09-01 | 0.3333 | 3 | 9 | 1,800 | 7,000 |
| 2013-06-01 | 0.3939 | 13 | 33 | 76,122 | 44,575 |
| 2013-03-01 | 1.9091 | 42 | 22 | 309,495 | 22,653 |
| 2012-06-01 | 2.0769 | 27 | 13 | 31,400 | 12,161 |
| 2012-03-01 | 3.125 | 50 | 16 | 155,322 | 13,404 |
| 2011-09-01 | 1.5 | 3 | 2 | 10,000 | 1,105 |
| 2011-06-01 | 1.5714 | 11 | 7 | 11,060 | 6,189 |
| 2011-03-01 | 2.0 | 24 | 12 | 151,567 | 6,442 |
| 2010-12-01 | 1.5 | 3 | 2 | 2,800 | 1,400 |
| 2010-09-01 | 0.6667 | 2 | 3 | 1,100 | 1,105 |
| 2010-06-01 | 0.15 | 3 | 20 | 5,200 | 19,400 |
| 2010-03-01 | 1.2353 | 21 | 17 | 89,024 | 18,771 |
| 2009-12-01 | 0.3333 | 3 | 9 | 3,292 | 18,200 |
| 2009-09-01 | 0.037 | 1 | 27 | 5,000 | 22,261 |
| 2009-03-01 | 6.0 | 48 | 8 | 180,610 | 4,323 |
| 2008-12-01 | 0.2 | 1 | 5 | 200.00 | 3,981 |
| 2008-09-01 | 0.0313 | 1 | 32 | 500.00 | 75,184 |
| 2008-03-01 | 4.1111 | 37 | 9 | 136,030 | 24,036 |
| 2007-12-01 | 0.1333 | 2 | 15 | 1,300 | 115,400 |
| 2007-09-01 | 0.24 | 6 | 25 | 6,903 | 69,869 |
| 2007-06-01 | 2.5 | 5 | 2 | 19,800 | 0.00 |
| 2007-03-01 | 3.5556 | 32 | 9 | 181,340 | 40,119 |
| 2006-12-01 | 0.1818 | 2 | 11 | 2,090 | 30,568 |
| 2006-09-01 | 0.1935 | 6 | 31 | 47,000 | 82,847 |
| 2006-06-01 | 1.6667 | 5 | 3 | 7,300 | 1,300 |
| 2006-03-01 | 2.3 | 23 | 10 | 133,700 | 20,600 |
| 2005-12-01 | 1.0 | 3 | 3 | 1,200 | 3,400 |
| 2005-09-01 | 0.1429 | 6 | 42 | 25,434 | 92,509 |
| 2005-06-01 | 4.5 | 9 | 2 | 1,068 | 5,700 |
| 2005-03-01 | 1.4 | 7 | 5 | 1,890 | 9,790 |
| 2004-12-01 | 0.25 | 1 | 4 | 200.00 | 4,800 |
| 2004-09-01 | 0.75 | 21 | 28 | 96,233 | 86,406 |
| 2004-06-01 | 0.375 | 3 | 8 | 61,000 | 8,000 |
Provident Financial Notable Stakeholders
A Provident Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Provident Financial often face trade-offs trying to please all of them. Provident Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Provident Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
| George Lista | President and Chief Executive Officer of SB One Insurance Agency, Inc., a wholly owned subsidiary of Provident Bank | Profile | |
| Christopher Martin | Chairman, CEO and President Chairman of the Provident Bank, CEO of Provident Bank and President of Provident Bank | Profile | |
| Brian Giovinazzi | Executive Vice President and Chief Credit Officer of Provident Bank | Profile | |
| Thomas Lyons | Senior Executive Vice President and Chief Financial Officer of Provident and Provident Bank | Profile | |
| Anthony Labozzetta | President, Chief Operating Officer, Director of Provident Financial and Provident Bank | Profile | |
| Valerie Murray | President - Beacon Trust, Executive Vice President and Chief Wealth Management Officer of Provident Bank | Profile | |
| Jack Novielli | Executive Vice President and CIO of The Provident Bank | Profile | |
| Frank Muzio | Executive Vice President, Chief Accounting Officer of Provident Bank | Profile | |
| Janet Krasowski | Executive Vice President Chief Human Resources Officer of the Bank | Profile | |
| James Christy | Executive Vice President and Chief Risk Officer of Provident Bank | Profile | |
| John Kamin | Executive Vice President, Chief Information Officer of Provident Bank | Profile | |
| Michael Raimonde | Executive Vice President Director - Retail Banking of the Bank | Profile | |
| Josephine Moran | Executive Vice President - Chief Corporate Services and Consumer Lending Officer of Provident Bank | Profile | |
| John Kuntz | Senior Executive Vice President, General Counsel and Corporate Secretary of Provident and Senior Executive Vice President and Chief Administrative Officer of Provident Bank | Profile | |
| Thomas CPA | Senior CFO | Profile | |
| James Nesci | Chief Wealth Management Officer of Provident Bank and Executive VP of Provident Bank | Profile | |
| Donald Blum | Chief Lending Officer of Provident Bank and Executive VP of Provident Bank | Profile | |
| Matthew Harding | Independent Director | Profile | |
| Robert Adamo | Independent Director | Profile | |
| Terence Gallagher | Independent Director | Profile | |
| Jeffries Shein | Independent Director | Profile | |
| Edward Leppert | Independent Director | Profile | |
| Edward ODonnell | Independent Director | Profile | |
| James Dunigan | Independent Director | Profile | |
| Ursuline Foley | Independent Director | Profile | |
| Frank Fekete | Lead Independent Director | Profile | |
| Thomas Hogan | Independent Director | Profile | |
| Thomas Berry | Independent Director | Profile | |
| John Pugliese | Independent Director | Profile | |
| Carlos Hernandez | Lead Independent Director | Profile | |
| Laura Brooks | Independent Director | Profile | |
| Edward Donnell | Independent Director | Profile | |
| Geoffrey Connor | Independent Director | Profile | |
| Robert McNerney | Independent Director | Profile | |
| Adriano CPA | Chief VP | Profile | |
| Carolyn Powell | Chief Human Resource Officer, Executive Vice President | Profile | |
| Bennett Macdougall | Deputy General Counsel; Senior Vice President and General Counsel of Provident Bank and Beacon Trust | Profile | |
| Nadine Leslie | Independent Director | Profile | |
| Valerie CFP | Executive Bank | Profile | |
| Sheila Leary | Senior Bank | Profile | |
| Finn Caspersen | Executive Vice President - Director of Retail Banking Operations of Provident Bank | Profile | |
| Vito Giannola | Executive Vice President - Chief Retail Banking Officer | Profile | |
| Frank CPA | Ex Bank | Profile | |
| Walter Sierotko | Executive Vice President - Chief Lending Officer of Provident Bank | Profile | |
| John Esq | Gen EVP | Profile | |
| Adriano Duarte | VP Officer | Profile | |
| Robert Capozzoli | Senior Vice President Chief Marketing Officer | Profile |
About Provident Financial Management Performance
The success or failure of an entity such as Provident Financial often depends on how effective the management is. Provident Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Provident management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Provident management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.09 | 0.1 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.08 | 0.05 |
The data published in Provident Financial's official financial statements usually reflect Provident Financial's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Provident Financial. For example, before you start analyzing numbers published by Provident accountants, it's critical to develop an understanding of what Provident Financial's liquidity, profitability, and earnings quality are in the context of the Thrifts & Mortgage Finance space in which it operates.
Please note, the presentation of Provident Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Provident Financial's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Provident Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Provident Financial Services. Please utilize our Beneish M Score to check the likelihood of Provident Financial's management manipulating its earnings.
Provident Financial Workforce Analysis
Traditionally, organizations such as Provident Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Provident Financial within its industry.Provident Financial Manpower Efficiency
Return on Provident Financial Manpower
| Revenue Per Employee | 627.3K | |
| Revenue Per Executive | 14.8M | |
| Net Income Per Employee | 115.8K | |
| Net Income Per Executive | 2.7M |
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Provident Financial Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census. Note that the Provident Financial information on this page should be used as a complementary analysis to other Provident Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Global Correlations module to find global opportunities by holding instruments from different markets.
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When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.
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Is Provident Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Provident Financial. If investors know Provident will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Provident Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.21) | Dividend Share 0.96 | Earnings Share 1.6 | Revenue Per Share 5.883 | Quarterly Revenue Growth (0.08) |
The market value of Provident Financial is measured differently than its book value, which is the value of Provident that is recorded on the company's balance sheet. Investors also form their own opinion of Provident Financial's value that differs from its market value or its book value, called intrinsic value, which is Provident Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Provident Financial's market value can be influenced by many factors that don't directly affect Provident Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Provident Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Provident Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Provident Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.