PROV Provident Financial Holdings Inc
Price (delayed)
$14.19
Market cap
$94.94M
P/E Ratio
15.42
Dividend/share
$0.56
EPS
$0.92
Enterprise value
$294.9M
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
Provident Financial Holdings's net income has decreased by 23% YoY and by 17% from the previous quarter
The EPS fell by 20% YoY and by 16% QoQ
Key stats
What are the main financial stats of PROV
Market
Valuations
Earnings
Shares outstanding
6.69M
Market cap
$94.94M
Enterprise value
$294.9M
Price to earnings (P/E)
15.42
Price to book (P/B)
0.75
Price to sales (P/S)
2.5
EV/EBIT
33.57
EV/EBITDA
24.11
EV/Sales
7.67
Revenue
$38.44M
Gross profit
$38.44M
Operating income
$8.79M
Net income
$6.22M
EBIT
$8.79M
EBITDA
$12.23M
Free cash flow
$4.43M
Per share
Balance sheet
Liquidity
EPS
$0.92
EPS diluted
$0.92
Free cash flow per share
$0.66
Book value per share
$19.02
Revenue per share
$5.68
TBVPS
$185.56
Total assets
$1.25B
Total liabilities
$1.13B
Debt
$245.5M
Equity
$128.63M
Working capital
N/A
Debt to equity
1.91
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
16.35
Margins
Efficiency
Dividend
EBITDA margin
31.8%
Gross margin
100%
Net margin
16.2%
Operating margin
22.9%
Return on assets
0.5%
Return on equity
4.8%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
22.9%
Dividend yield
3.95%
DPS
$0.56
Payout ratio
60.9%
PROV stock price
How has the Provident Financial Holdings stock price performed over time
Intraday
-0.07%
1 week
0%
1 month
2.38%
1 year
8.74%
YTD
-10.81%
QTD
-2.74%
Financial performance
How have Provident Financial Holdings's revenue and profit performed over time
Revenue
$38.44M
Gross profit
$38.44M
Operating income
$8.79M
Net income
$6.22M
Gross margin
100%
Net margin
16.2%
Provident Financial Holdings's operating income has decreased by 24% YoY and by 17% QoQ
Provident Financial Holdings's net income has decreased by 23% YoY and by 17% from the previous quarter
The operating margin has declined by 20% year-on-year and by 14% since the previous quarter
Provident Financial Holdings's net margin has decreased by 19% YoY and by 14% QoQ
Growth
What is Provident Financial Holdings's growth rate over time
Valuation
What is Provident Financial Holdings stock price valuation
P/E
15.42
P/B
0.75
P/S
2.5
EV/EBIT
33.57
EV/EBITDA
24.11
EV/Sales
7.67
The EPS fell by 20% YoY and by 16% QoQ
The price to earnings (P/E) is 13% more than the 5-year quarterly average of 13.7 and 12% more than the last 4 quarters average of 13.8
PROV's price to book (P/B) is 7% higher than its last 4 quarters average of 0.7 but 6% lower than its 5-year quarterly average of 0.8
PROV's price to sales (P/S) is 7% lower than its 5-year quarterly average of 2.7
PROV's revenue is down by 4.7% YoY and by 3.4% QoQ
Efficiency
How efficient is Provident Financial Holdings business performance
The return on invested capital has declined by 25% year-on-year and by 14% since the previous quarter
The return on equity has declined by 23% year-on-year and by 17% since the previous quarter
The ROS fell by 20% YoY and by 14% QoQ
Provident Financial Holdings's return on assets has decreased by 17% QoQ and by 17% YoY
Dividends
What is PROV's dividend history
DPS
$0.56
Dividend yield
3.95%
Payout ratio
60.9%
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 assets has contracted by 3.5% YoY
The total liabilities has declined by 3.8% year-on-year
Provident Financial Holdings's debt is 91% higher than its equity
PROV's debt to equity is up by 2.1% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.