Capitol Federal Financial (CFFN) vs Provident Financial Services (PFS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Capitol Federal Financial (CFFN) has outperformed Provident Financial Services (PFS) over the past year, gaining 32.2% versus a gain of 11.8%. Over five years, PFS leads with a -11.1% price change compared with -28.9% for CFFN. Provident Financial Services is the larger company by market cap ($2.90 billion vs $1.04 billion), about 2.8 times the size.
On valuation, Provident Financial Services trades at a lower forward P/E (8.6x vs 10.9x for Capitol Federal Financial). Capitol Federal Financial offers the higher dividend yield (4.01% vs 2.16%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFFN | PFS |
|---|---|---|
| Share price | $8.47 | $22.20 |
| Market cap | $1.04B | $2.90B |
| 1-day change | +0.59% | +1.05% |
| YTD return | +23.64% | +11.24% |
| 1-year return | +32.18% | +11.81% |
| 5-year return | -28.95% | -11.05% |
| P/E ratio (TTM) | 13.03 | 9.25 |
| Forward P/E | 10.93 | 8.59 |
| EPS (TTM) | $0.65 | $2.40 |
| Dividend yield | 4.01% | 2.16% |
| Annual dividend | $0.34 | $0.48 |
| Revenue (latest FY) | — | $73.11M |
| Revenue growth (YoY) | — | +7.06% |
| Net income (latest FY) | — | $291.16M |
| Net margin | — | 398.25% |
| 52-week high | $9.26 | $25.49 |
| 52-week low | $5.97 | $17.69 |
| Distance from 52-week high | -8.53% | -12.91% |
| Analyst consensus | none | buy |
| Avg. price target upside | +12.16% | +25.00% |
| Average volume | 889.53K | 899.00K |
| Shares outstanding | 123.37M | 130.42M |
| Employees | 604 | 1,817 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Provident Financial Services is about 2.8 times larger than Capitol Federal Financial by market value ($2.90B vs $1.04B).
- CFFN has outperformed PFS by 20.4 percentage points over the past year.
- Capitol Federal Financial trades at a higher earnings multiple (13.0x vs 9.3x trailing P/E).
- Capitol Federal Financial offers a meaningfully higher dividend yield (4.01% vs 2.16%).
About Capitol Federal Financial
CFFN stock →Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States.
Finance · Savings Institutions · 604 employees
About Provident Financial Services
PFS stock →Provident Financial Services, Inc. operates as the bank holding company for Provident Bank that provides various banking products and services to individuals, families, and businesses in the United States.
Finance · Savings Institutions · 1,817 employees
CFFN vs PFS FAQ
Which is bigger, Capitol Federal Financial or Provident Financial Services?
Provident Financial Services (PFS) is larger, with a market capitalization of $2.90B compared with $1.04B for Capitol Federal Financial (CFFN).
Which stock has performed better over the past year, CFFN or PFS?
CFFN returned +32.18% over the past 12 months, compared with +11.81% for PFS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFFN or PFS?
PFS has the lower trailing P/E at 9.3, versus 13.0 for CFFN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Capitol Federal Financial or Provident Financial Services?
Capitol Federal Financial has the higher yield at 4.01%, compared with 2.16% for Provident Financial Services.
Are Capitol Federal Financial and Provident Financial Services in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.