Frank Muzio - Provident Financial President
President
Mr. Frank S. Muzio, CPA, was Executive Vice President and Chief Accounting Officer of the Provident Bank of the Company since 2018.
| Age | 67 |
| Tenure | 6 years |
| Phone | 732 590 9200 |
| Web | https://www.provident.bank |
Provident Financial Management Efficiency
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.Provident Financial Services has 1.98 B in debt with debt to equity (D/E) ratio of 0.3, which may show that the company is not taking advantage of profits from borrowing. Note however, debt could still be an excellent tool for Provident to invest in growth at high rates of return.
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Management Performance
| Return On Equity | 0.0719 | ||||
| Return On Asset | 0.0086 |
Provident Financial Leadership Team
Elected by the shareholders, the Provident Financial's board of directors comprises two types of representatives: Provident Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Provident. The board's role is to monitor Provident Financial's management team and ensure that shareholders' interests are well served. Provident Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Provident Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Thomas CPA, Senior CFO | ||
| Brian Giovinazzi, Executive Vice President and Chief Credit Officer of Provident Bank | ||
| Thomas Lyons, Senior Executive Vice President and Chief Financial Officer of Provident and Provident Bank | ||
| Matthew Harding, Independent Director | ||
| Anthony Labozzetta, President, Chief Operating Officer, Director of Provident Financial and Provident Bank | ||
| Robert Adamo, Independent Director | ||
| Terence Gallagher, Independent Director | ||
| Christopher Martin, Chairman, CEO and President Chairman of the Provident Bank, CEO of Provident Bank and President of Provident Bank | ||
| Carolyn Powell, Chief Human Resource Officer, Executive Vice President | ||
| Bennett Macdougall, Deputy General Counsel; Senior Vice President and General Counsel of Provident Bank and Beacon Trust | ||
| Adriano CPA, Chief VP | ||
| Edward Leppert, Independent Director | ||
| Nadine Leslie, Independent Director | ||
| Valerie Murray, President - Beacon Trust, Executive Vice President and Chief Wealth Management Officer of Provident Bank | ||
| James Dunigan, Independent Director | ||
| Ursuline Foley, Independent Director | ||
| Frank Fekete, Lead Independent Director | ||
| Valerie CFP, Executive Bank | ||
| Frank Muzio, Executive Vice President, Chief Accounting Officer of Provident Bank | ||
| Sheila Leary, Senior Bank | ||
| James Christy, Executive Vice President and Chief Risk Officer of Provident Bank | ||
| John Kamin, Executive Vice President, Chief Information Officer of Provident Bank | ||
| Finn Caspersen, Executive Vice President - Director of Retail Banking Operations of Provident Bank | ||
| Thomas Berry, Independent Director | ||
| John Pugliese, Independent Director | ||
| Vito Giannola, Executive Vice President - Chief Retail Banking Officer | ||
| Frank CPA, Ex Bank | ||
| Carlos Hernandez, Lead Independent Director | ||
| Laura Brooks, Independent Director | ||
| Walter Sierotko, Executive Vice President - Chief Lending Officer of Provident Bank | ||
| John Esq, Gen EVP | ||
| Josephine Moran, Executive Vice President - Chief Corporate Services and Consumer Lending Officer of Provident Bank | ||
| 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 | ||
| George Lista, President and Chief Executive Officer of SB One Insurance Agency, Inc., a wholly owned subsidiary of Provident Bank | ||
| Robert McNerney, Independent Director | ||
| Adriano Duarte, VP Officer | ||
| Robert Capozzoli, Senior Vice President Chief Marketing Officer |
Provident Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Provident Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.0719 | ||||
| Return On Asset | 0.0086 | ||||
| Profit Margin | 0.27 % | ||||
| Operating Margin | 0.42 % | ||||
| Current Valuation | 3.02 B | ||||
| Shares Outstanding | 130.19 M | ||||
| Shares Owned By Insiders | 2.75 % | ||||
| Shares Owned By Institutions | 43.96 % | ||||
| Number Of Shares Shorted | 4.46 M | ||||
| Price To Earning | 12.34 X |
Pair Trading with Provident Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Provident Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Provident Financial will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Provident Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Provident Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Provident Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Provident Financial Services to buy it.
The correlation of Provident Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Provident Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Provident Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Provident Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Your Equity Center to better understand how to build diversified portfolios. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as various price indices. You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.
Other Tools for Provident Stock
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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