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Price (delayed)
$16.44
Market cap
$111.18M
P/E Ratio
14.95
Dividend/share
$0.56
EPS
$1.1
Enterprise value
$312.49M
Provident Financial Holdings, Inc. is the holding company of Provident Savings Bank, F.S.B. (the Bank), a federally chartered savings bank. The Bank is a financial services company committed to serving
Highlights
PROV's revenue is up by 2.2% QoQ
Provident Financial Holdings's gross profit has increased by 2.2% QoQ
The EPS fell by 6% YoY but it rose by 3.8% QoQ
The price to earnings (P/E) is 23% more than the last 4 quarters average of 12.2 and 3.1% more than the 5-year quarterly average of 14.5
Provident Financial Holdings's net income has decreased by 9% YoY
Key stats
What are the main financial stats of PROV
Market
Valuations
Earnings
Shares outstanding
6.76M
Market cap
$111.18M
Enterprise value
$312.49M
Price to earnings (P/E)
14.95
Price to book (P/B)
0.87
Price to sales (P/S)
2.84
EV/EBIT
29.52
EV/EBITDA
22.5
EV/Sales
7.85
Revenue
$39.79M
Gross profit
$39.79M
Net income
$7.49M
EBIT
$10.59M
EBITDA
$13.89M
Free cash flow
$3.68M
Per share
Balance sheet
Liquidity
EPS
$1.1
EPS diluted
$1.1
Free cash flow per share
$0.54
Book value per share
$18.89
Revenue per share
$5.8
TBVPS
$183.21
Total assets
$1.26B
Total liabilities
$1.13B
Debt
$249.5M
Equity
$129.61M
Working capital
N/A
Debt to equity
1.93
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
14.5
Margins
Efficiency
Dividend
EBITDA margin
34.9%
Gross margin
100%
Net margin
18.8%
Operating margin
26.6%
Return on assets
0.6%
Return on equity
5.8%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
26.6%
Dividend yield
3.41%
DPS
$0.56
Payout ratio
50.9%
PROV stock price
How has the Provident Financial Holdings stock price performed over time
Intraday
0.18%
1 week
0.8%
1 month
4.18%
1 year
36.21%
YTD
30.37%
QTD
14.56%
Financial performance
How have Provident Financial Holdings's revenue and profit performed over time
Revenue
$39.79M
Gross profit
$39.79M
Operating income
$10.59M
Net income
$7.49M
Gross margin
100%
Net margin
18.8%
Provident Financial Holdings's operating income has decreased by 11% YoY
The operating margin has declined by 11% year-on-year
Provident Financial Holdings's net margin has decreased by 9% YoY
Provident Financial Holdings's net income has decreased by 9% YoY
Growth
What is Provident Financial Holdings's growth rate over time
Valuation
What is Provident Financial Holdings stock price valuation
P/E
14.95
P/B
0.87
P/S
2.84
EV/EBIT
29.52
EV/EBITDA
22.5
EV/Sales
7.85
The price to earnings (P/E) is 23% more than the last 4 quarters average of 12.2 and 3.1% more than the 5-year quarterly average of 14.5
The EPS fell by 6% YoY but it rose by 3.8% QoQ
PROV's price to book (P/B) is 24% higher than its last 4 quarters average of 0.7 but 3.3% lower than its 5-year quarterly average of 0.9
PROV's price to sales (P/S) is 23% higher than its last 4 quarters average of 2.3
PROV's revenue is up by 2.2% QoQ
Efficiency
How efficient is Provident Financial Holdings business performance
The return on invested capital has declined by 13% year-on-year
The ROS fell by 11% YoY
The return on equity has declined by 9% year-on-year
Dividends
What is PROV's dividend history
DPS
$0.56
Dividend yield
3.41%
Payout ratio
50.9%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Provident Financial Holdings financials performed over time
The total assets is 11% more than the total liabilities
The total liabilities has declined by 4.7% year-on-year
The total assets has contracted by 4.2% YoY
Provident Financial Holdings's debt is 93% higher than its equity
PROV's debt to equity is up by 6% year-on-year and by 4.9% since the previous quarter
Provident Financial Holdings's debt has increased by 6% YoY and by 4.6% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.