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These ratings are posted by site users; this content is not intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by Bankinvestor.com

Average returns on td's ratings: Rating Avg. Return Annualized Key: - : rated buy, stock went down + : rated sell, stock went up +/- : rated hold + : rated buy, stock went up - : rated sell, stock went down strong buy +13.31% (over an avg. of 203.50 days) +23.87% hold +43.20% (over an avg. of 7363.00 days) +2.14% -- See performance by time period -- All ratings made during the year 2003 All ratings made during the year 2004 Ratings made during Jan, 2003 Ratings made during May, 2003 Ratings made during Feb, 2004

Jump to rating for: PFS  

NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY

-- PFS --
PFS	Jan. 10 2003, 5:50 PM ET Rating changed on Jan. 10 2003, 5:55 PM ET	by td (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (01/16/2003): 15.50 Price near end of rating (01/16/2003): 15.50 Gain/Loss over 0 days: 0.00 0.00% PFS looks good. Here's my take. ROA (.80-1.02%), ROE (8.37-10.24%), Efficency Ratio (61.59-70.18%), NPA/A (.15-.37%) and asset size ($3.7B) all look good. CEO is buying 500,000 shares and 2 EVPs are each buying 350,000 shares. Book looks to be about $13.77 as of 12-31-02 based on the following rough analysis: 319,859 9/30/02 S/E 7,513 EST Q4 N.I. based on avg. Q1+Q2 (15,026/2) ----------- 327,372 EST 12-31-02 S/E 310,568 LESS 6-30-02 S/E ------------ 16.804 EST S/E INCREASE FROM 6/30/02-12/31/02 830,549 PRO FORMA S/E 6/30/02 ----------- 847,353 EST PRO FORMA S/E 12/31/02 /61,538 PRO FORMA SHARES OUTSTANDING ----------- $13.77/SH PRO FORMA BOOK VALUE I see PFS trading at $13 to $14 on day one. The P/E will be in the 20s at this valuation. However, I think book will rule since the bank is located in a hot area. Prospectus states average Peer Group trades at about 148% P/B and 15.77 P/E. Was this user's rating of 'PFS' helpful to you? Currently:   2 said yes (of 3 -- 66.67%)
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PFS	Jan. 10 2003, 5:55 PM ET Rating changed on Jan. 10 2003, 6:04 PM ET	by td (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (01/16/2003): 15.50 Price near end of rating (01/16/2003): 15.50 Gain/Loss over 0 days: 0.00 0.00% PFS looks good. Here's my take. ROA (.80-1.02%), ROE (8.37-10.24%), Efficency Ratio (61.59-70.18%), NPA/A (.15-.37%) and asset size ($3.7B) all look good. CEO is buying 500,000 shares and 2 EVPs are each buying 350,000 shares. Book looks to be about $13.77 as of 12-31-02 based on the following rough analysis: 319,859 9/30/02 S/E 7,513 EST Q4 N.I. based on avg. Q1+Q2 (15,026/2) ----------- 327,372 EST 12-31-02 S/E 310,568 LESS 6-30-02 S/E ------------ 16.804 EST S/E INCREASE FROM 6/30/02-12/31/02 830,549 PRO FORMA S/E 6/30/02 ----------- 847,353 EST PRO FORMA S/E 12/31/02 /61,538 PRO FORMA SHARES OUTSTANDING ----------- $13.77/SH PRO FORMA BOOK VALUE I see PFS trading at $13 to $14 on day one. The P/E will be in the 20s at this valuation. However, I think book will rule since the bank is located in a hot area. Prospectus states average Peer Group trades at about 148% P/B and 15.77 P/E. At 125% to 148% P/B the price range would be $17 to $20. I would not be surprised to this price level in the next 12 to 24 months. Was this user's rating of 'PFS' helpful to you? Currently:   2 said yes (of 3 -- 66.67%)
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PFS	Jan. 10 2003, 6:04 PM ET Rating changed on Jan. 10 2003, 6:12 PM ET	by td (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (01/16/2003): 15.50 Price near end of rating (01/16/2003): 15.50 Gain/Loss over 0 days: 0.00 0.00% [ Comments shared with private group only ]
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PFS	Jan. 10 2003, 6:12 PM ET Rating changed on Jan. 15 2003, 3:11 PM ET	by td (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (01/16/2003): 15.50 Price near end of rating (01/16/2003): 15.50 Gain/Loss over 5 days: 0.00 0.00% Annualized Gain/Loss: 0.00% [ Comments shared with private group only ]
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PFS	Jan. 15 2003, 3:11 PM ET Rating changed on Jan. 15 2003, 4:57 PM ET	by td (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (01/16/2003): 15.50 Price near end of rating (01/16/2003): 15.50 Gain/Loss over 0 days: 0.00 0.00% PFS looks good. Here's my take. ROA (.80-1.02%), ROE (8.37-10.24%), Efficency Ratio (61.59-70.18%), NPA/A (.15-.37%) and asset size ($3.7B) all look good. CEO is buying 500,000 shares and 2 EVPs are each buying 350,000 shares. Book looks to be about $13.77 as of 12-31-02 based on the following rough analysis: 319,859 9/30/02 S/E 7,513 EST Q4 N.I. based on avg. Q1+Q2 (15,026/2) ----------- 327,372 EST 12-31-02 S/E 310,568 LESS 6-30-02 S/E ------------ 16.804 EST S/E INCREASE FROM 6/30/02-12/31/02 830,549 PRO FORMA S/E 6/30/02 ----------- 847,353 EST PRO FORMA S/E 12/31/02 /61,538 PRO FORMA SHARES OUTSTANDING ----------- $13.77/SH PRO FORMA BOOK VALUE I see PFS trading at $13 to $14 on day one. The P/E will be in the 20s at this valuation. However, I think book will rule since the bank is located in a great location. Prospectus states average Peer Group trades at about 148% P/B and 15.77 P/E. At 125% to 148% P/B the price range would be $17 to $20. I would not be surprised to see this price level or higher in the next 12 to 24 months. Was this user's rating of 'PFS' helpful to you? Currently:   2 said yes (of 3 -- 66.67%)
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PFS	Jan. 15 2003, 4:57 PM ET Rating changed on May. 2 2003, 12:11 PM ET	by td (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (01/16/2003): 15.50 Price near end of rating (05/02/2003): 17.75 Gain/Loss over 106 days: +2.25 +14.52% Annualized Gain/Loss: +50.00% PFS looks good. Here's my take. ROA (.80-1.02%), ROE (8.37-10.24%), Efficency Ratio (61.59-70.18%), NPA/A (.15-.37%) and asset size ($3.7B) all look good. CEO is buying 500,000 shares and 2 EVPs are each buying 350,000 shares. Book looks to be about $13.77 as of 12-31-02 based on the following rough analysis: 319,859 9/30/02 S/E 7,513 EST Q4 N.I. based on avg. Q1+Q2 (15,026/2) ----------- 327,372 EST 12-31-02 S/E 310,568 LESS 6-30-02 S/E ------------ 16.804 EST S/E INCREASE FROM 6/30/02-12/31/02 830,549 PRO FORMA S/E 6/30/02 ----------- 847,353 EST PRO FORMA S/E 12/31/02 /61,538 PRO FORMA SHARES OUTSTANDING ----------- $13.77/SH PRO FORMA BOOK VALUE I see PFS trading at $13 to $14 on day one. The P/E will be in the 20s at this valuation. However, I think book will rule since New Jersey is a great bank location. Prospectus states average Peer Group trades at about 148% P/B and 15.77 P/E. At 125% to 148% P/B the price range would be $17 to $20. I would not be surprised to see this price level or higher in the next 12 to 24 months. Was this user's rating of 'PFS' helpful to you? Currently:   2 said yes (of 3 -- 66.67%)
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PFS	May. 2 2003, 12:11 PM ET Rating changed on Feb. 27 2004, 8:39 PM ET	by td (view profile)	rating: Strong Buy
PFS performance: Price near date of rating (05/02/2003): 17.75 Price near end of rating (02/27/2004): 19.70 Price change: +1.95 Dividends collected: 0.2 Gain/Loss over 301 days: +2.15 +12.11% Annualized Gain/Loss: +14.68% Revised 5-2-03 PFS tangible BV is $14.69. At $17, its trading at 116% of book. I believe it can trade at 150 to 200% of book, or $22 to $29 per share respectively. ------------------------ PFS looks good. Here's my take. ROA (.80-1.02%), ROE (8.37-10.24%), Efficency Ratio (61.59-70.18%), NPA/A (.15-.37%) and asset size ($3.7B) all look good. CEO is buying 500,000 shares and 2 EVPs are each buying 350,000 shares. Book looks to be about $13.77 as of 12-31-02 based on the following rough analysis: 319,859 9/30/02 S/E 7,513 EST Q4 N.I. based on avg. Q1+Q2 (15,026/2) ----------- 327,372 EST 12-31-02 S/E 310,568 LESS 6-30-02 S/E ------------ 16.804 EST S/E INCREASE FROM 6/30/02-12/31/02 830,549 PRO FORMA S/E 6/30/02 ----------- 847,353 EST PRO FORMA S/E 12/31/02 /61,538 PRO FORMA SHARES OUTSTANDING ----------- $13.77/SH PRO FORMA BOOK VALUE I see PFS trading at $13 to $14 on day one. The P/E will be in the 20s at this valuation. However, I think book will rule since New Jersey is a great bank location. Prospectus states average Peer Group trades at about 148% P/B and 15.77 P/E. At 125% to 148% P/B the price range would be $17 to $20. I would not be surprised to see this price level or higher in the next 12 to 24 months. Was this user's rating of 'PFS' helpful to you? Currently:   2 said yes (of 3 -- 66.67%)
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PFS	Feb. 27 2004, 8:39 PM ET	by td (view profile)	rating: Hold
PFS performance: Price near date of rating (02/27/2004): 19.70 Recent price (04/25/2024): 15.20 Price change: -4.50 Dividends collected: 13.01 Gain/Loss over 7363 days: +8.51 +43.20% Annualized Gain/Loss: +2.14% [ Comments shared with private group only ]
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