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PFS Dividend DRIP Calculator 2026
4.07% YieldFinancial ServicesProvident Financial Services, Inc. · NYSE
Price: $23.58 · Annual div: $0.96/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When PFS pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in PFS → $2.02M in 10 years · $43.52/month
About Provident Financial Services, Inc. (PFS) — Dividend Analysis 2026
Provident Financial Services, Inc. functions as the parent company for Provident Bank, delivering a broad spectrum of financial products and services to individuals, families, and businesses across the United States. Its deposit offerings encompass various account types, including savings, standard and interest-bearing checking accounts, money market accounts, certificates of deposit, and IRA products. The company's extensive loan portfolio features commercial real estate loans, which are collateralized by properties such as multi-family apartment complexes, office buildings, retail spaces, and industrial sites. It also provides commercial business loans, alongside fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residential properties. Further loan options include commercial construction loans and a range of consumer loans like home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and financing for automobiles and recreational vehicles. Beyond these, Provident delivers essential banking solutions such as cash management, remote deposit capture, payroll origination, escrow account management, and convenient online and mobile banking services, in addition to offering business credit cards. The company also extends wealth management services, covering investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. In a broader capacity, Provident sells insurance and investment products, including annuities. It also operates as a real estate investment trust (REIT), focused on acquiring mortgage loans and other real estate-related assets, and actively manages and sells properties obtained through foreclosure. As of December 31, 2021, the company maintained 96 full-service branch offices situated across northern and central New Jersey, as well as specific counties in Pennsylvania and New York. Provident Financial Services, Inc. was founded in 1839 and is headquartered in Jersey City, New Jersey.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 PFS Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PFS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 4.07% | 1.27% | $407 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.46% | 0.66% | $346 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.26% | 0.46% | $326 / yr |
| 🇬🇧 UK ISA | 0% | 4.07% | 1.27% | $407 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.71% | 0.91% | $371 / yr |
| 🇨🇦 TFSA | 0% | 4.07% | 1.27% | $407 / yr |
| 🇨🇦 CA Taxable | 25% | 3.05% | 0.25% | $305 / yr |
| 🇦🇺 Super (pension) | 15% | 3.46% | 0.66% | $346 / yr |
| 🇦🇺 AU Taxable | 30% | 2.85% | 0.05% | $285 / yr |
| 🇩🇪 DE Taxable | 26.375% | 3.00% | 0.20% | $300 / yr |
| 🇫🇷 FR Taxable | 30% | 2.85% | 0.05% | $285 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 PFS Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.96/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PFS Dividend Payment Schedule
PFS pays quarterly — 4 times per year. Next ex-div: TBD.
📊 PFS vs Financial Services Benchmarks
How PFS compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PFS sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PFS Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2026-06-12 | 3,528 | $23.41 | $82.6K | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — | ||
| A-Award | 2026-05-26 | 4,012 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PFS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Provident Financial Services, Inc. (PFS) is currently trading at $23.58, 7% below its 52-week high. The current dividend yield is 4.07% based on an annual payout of $0.96 per share.
PFS (Provident Financial Services, Inc.) — 4.07% Dividend Yield Analysis
Provident Financial Services, Inc. (PFS) is a financial services stock currently trading at $23.58 with a dividend yield of 4.07%. The company pays an annual dividend of $0.96 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, PFS has grown its dividend at a compound annual rate of 1.9%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.