COMP <GO>
PFS vs EBC // EV/EBITDA & P/E VALUATION
Provident Financial Services Inc (NYSE) VS. Eastern Bankshares Inc. (NASDAQ) • 15-METRIC TALLY: PFS 5
— EBC 4
■ METRIC PARITY
LAST: $22.94 (-0.99%) • MKT CAP: $3.02B
valuation
—
LAST: $22.39 (-1.10%) • MKT CAP: $5.17B
valuation
95.0x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PFS VS. EBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PFS | EBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.30% | 0.70% | +9.60 | PFS | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 95.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 14.25% | 8.24% | +6.01 | PFS | /fcf-yield <GO> |
| Operating Margin | — | 75.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 65.80% | +2.20 | PFS | /net-margins <GO> |
| Revenue Growth (YoY) | 7.10% | 19.10% | -12.00 | EBC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.17% | 2.04% | +2.13 | PFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | EBC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.6 | 64.9 | -6.30 | EBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.12 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.7x | 49.2x | -39.50 | PFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.02B | $5.17B | -$2.15B | EBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PFS REV | EBC REV | PFS GROSS % | EBC GROSS % | PFS FCF | EBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $73.1M | $134.1M | — | — | $430.7M | $426.4M |
| FY 2024 | $68.3M | $112.6M | — | — | $425.1M | $278.8M |
| FY 2023 | $57.5M | $76.9M | — | — | $173.4M | $258.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PFS // BETA —
EBC // BETA 1.12