TORVANTA
Other · S&P 500 · data as of 2026-10-05

PFS stock analysis: PFS

PFS (PFS) is an S&P 500 company in Other. It grades strongest on value.

The model's view of PFS · subscribers

Where PFS ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

See plans
What's happening with PFS · updated 2026-10-05 · from prices and SEC filings

PFS price performance

PFS against the S&P 500, one year
+0%+20%PFS +21%S&P 500 +18%2025-09-292026-10-05
Year to date+16.9%S&P 500 +14.5% · ahead by 2.4 pts
1 year+18.8%S&P 500 +17.0% · ahead by 1.7 pts
3 years+71.0%S&P 500 +89.3% · behind by 18.2 pts
5 years+17.6%S&P 500 +91.3% · behind by 73.7 pts

Total returns with dividends reinvested.

PFS factor grades

Each grade compares PFS with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

A-ValueP/E 9.3x (industry 20.1x)FCF yield 12.0% (industry 6.0%)
CGrowthRevenue growth +6% (industry +8%)EPS growth +33% (industry +10%)
B+Profitability
B-Momentum12-month change +19%From 52-wk high -11%

PFS in plain numbers

PFS key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$2.9B
Revenue growth (y/y)+6%
Free-cash-flow yield12.0%
Dividend yield4.3%
Next earnings (expected)2026-10-29
Valuation measures
Market value$2.9B
Enterprise value$2.7B
P/E (trailing)9.3x
Forward P/E (Torvanta estimate)8.5x
PEG (Torvanta estimate)0.88
Price / sales38.4x
Price / book1.0x
EV / revenue35.4x
Financial highlights
Revenue, last 12 months$76.0M
Net income, last 12 months$312.7M
EPS, last 12 months (GAAP)$2.40
Net margin411.6%
Return on equity11.1%
Cash$228.3M
Total debt$0
Free cash flow, last 12 months$350.4M

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

PFS earnings trends

Revenue vs earnings
$0$20.9M$41.7M$62.6M$83.4MSep 2024 Revenue: $17.9MDec 2024 Revenue: $16.5MMar 2025 Revenue: $18.9MJun 2025 Revenue: $18.3MSep 2025 Revenue: $17.7MDec 2025 Revenue: $18.0MMar 2026 Revenue: $20.6MJun 2026 Revenue: $19.6MSep 2024 Net income: $46.4MDec 2024 Net income: $48.5MMar 2025 Net income: $64.0MJun 2025 Net income: $72.0MSep 2025 Net income: $71.7MDec 2025 Net income: $83.4MMar 2026 Net income: $79.4MJun 2026 Net income: $78.1MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Net margin: 260.0%Net margin: 293.8%Net margin: 339.3%Net margin: 393.8%Net margin: 404.6%Net margin: 463.6%Net margin: 385.4%Net margin: 397.8%0%232%464%■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$0.2$0.3$0.5$0.6Sep 2024 EPS (GAAP, diluted): $0.4Dec 2024 EPS (GAAP, diluted): $0.4Mar 2025 EPS (GAAP, diluted): $0.5Jun 2025 EPS (GAAP, diluted): $0.6Sep 2025 EPS (GAAP, diluted): $0.6Dec 2025 EPS (GAAP, diluted): $0.6Mar 2026 EPS (GAAP, diluted): $0.6Jun 2026 EPS (GAAP, diluted): $0.6Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +53% · Dec 2025 +60% · Mar 2026 +24% · Jun 2026 +9%

From the company's 10-Q and 10-K filings with the SEC.

PFS financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$57.6M$55.0M$57.5M$68.3M$72.9M
Net income$167.9M$175.6M$128.4M$115.5M$291.2M
EPS (GAAP)$2.19$2.35$1.71$1.08$2.23
Free cash flow$144.4M$185.1M$165.9M$422.1M$430.7M

PFS earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-30$0.60+9%+7%+0.1%
2026-04-30$0.61+24%+9%-1.5%
2026-01-28$0.64+60%+9%+6.9%
2025-10-30$0.55+53%-1%-0.7%
2025-07-24$0.55n/a+4%+3.8%
2025-04-25$0.49+14%+16%-2.8%

About PFS

HeadquartersJersey City, NJ
Industry (SEC code)Savings Institution, Federally Chartered
Fiscal year endsDecember 31
Incorporated inDE
Listed onNYSE

From the company's SEC registration record.

Companies similar to PFS

CompanyMarket valueP/ERevenue growthOperating margin12-month change
PFS PFS$2.9B9.3x+6%n/a+19%
COLM COLM$2.9B14.9x-0%7.5%+9%compare
WING WING$2.9B25.3x+8%27.9%-57%compare
ARCB ARCB$2.9B184.7x+4%0.7%+83%compare
CURB CURB$2.9B89.9x+54%n/a+21%
SPSC SPSC$2.9B38.7x+10%12.8%-24%
AVA AVA$2.9B12.7x-2%18.8%-0%

All Other stock ratings

Frequently asked questions

Is PFS stock a buy?

Torvanta does not tell individuals what to buy. Its grades for PFS are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is PFS's P/E ratio?

PFS trades at about 9.3 times its last 12 months of GAAP earnings reported to the SEC, and about 8.5 times Torvanta's own estimate of the next 12 months.

When does PFS report earnings next?

Based on its filing history, Torvanta expects PFS to report around 2026-10-29.

Does PFS pay a dividend?

Yes. Its dividend yield is about 4.3%.

How has PFS performed against the S&P 500?

Over the past year PFS returned +18.8%, against +17.0% for the S&P 500, dividends reinvested.

See the model's view

Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

See plans Or get the free weekly newsletter

Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

All stock ratings · Stock lists · AI stock research · Model portfolio · Research · Disclaimer