PROV Provident Financial Holdings Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: PROV

Price (delayed)

$13

Market cap

$90.05M

P/E Ratio

11.3

Dividend/share

$0.56

EPS

$1.15

Enterprise value

$285.67M

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 2.3% YoY
Provident Financial Holdings's gross profit has increased by 2.3% YoY
The price to earnings (P/E) is 33% less than the 5-year quarterly average of 16.8 but 4.6% more than the last 4 quarters average of 10.8
Provident Financial Holdings's debt has increased by 35% YoY and by 3.2% QoQ
Provident Financial Holdings's net income has decreased by 7% YoY and by 2.8% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.myprovident.com
Peers: BANC TSBK FFNW BYFC

Key stats

What are the main financial stats of PROV
Market
Shares outstanding
6.93M
Market cap
$90.05M
Enterprise value
$285.67M
Valuations
Price to earnings (P/E)
11.3
Price to book (P/B)
0.7
Price to sales (P/S)
2.25
EV/EBIT
24.58
EV/EBITDA
19.44
EV/Sales
7.08
Earnings
Revenue
$40.35M
EBIT
$11.62M
EBITDA
$14.7M
Free cash flow
$13.31M
Per share
EPS
$1.15
Free cash flow per share
$1.91
Book value per share
$18.56
Revenue per share
$5.78
TBVPS
$186.24
Balance sheet
Total assets
$1.3B
Total liabilities
$1.17B
Debt
$242.5M
Equity
$129.66M
Working capital
N/A
Liquidity
Debt to equity
1.87
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
13.31
Margins
EBITDA margin
36.4%
Gross margin
100%
Net margin
19.9%
Operating margin
28.8%
Efficiency
Return on assets
0.6%
Return on equity
6.2%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
28.8%
Dividend
Dividend yield
4.31%
DPS
$0.56
Payout ratio
48.7%

PROV stock price

How has the Provident Financial Holdings stock price performed over time
Intraday
-1.37%
1 week
-2.69%
1 month
-5.73%
1 year
-4.06%
YTD
3.09%
QTD
-2.84%

Financial performance

How have Provident Financial Holdings's revenue and profit performed over time
Revenue
$40.35M
Gross profit
$40.35M
Operating income
$11.62M
Net income
$8.03M
Gross margin
100%
Net margin
19.9%
Provident Financial Holdings's net margin has decreased by 9% YoY and by 3.4% QoQ
The operating margin has declined by 8% year-on-year and by 3.4% since the previous quarter
Provident Financial Holdings's net income has decreased by 7% YoY and by 2.8% from the previous quarter
Provident Financial Holdings's operating income has decreased by 6% YoY and by 2.7% QoQ

Growth

What is Provident Financial Holdings's growth rate over time

Valuation

What is Provident Financial Holdings stock price valuation
P/E
11.3
P/B
0.7
P/S
2.25
EV/EBIT
24.58
EV/EBITDA
19.44
EV/Sales
7.08
The price to earnings (P/E) is 33% less than the 5-year quarterly average of 16.8 but 4.6% more than the last 4 quarters average of 10.8
The EPS fell by 3.4% YoY
PROV's price to book (P/B) is 22% lower than its 5-year quarterly average of 0.9
PROV's price to sales (P/S) is 22% lower than its 5-year quarterly average of 2.9 and 2.2% lower than its last 4 quarters average of 2.3
PROV's revenue is up by 2.3% YoY

Efficiency

How efficient is Provident Financial Holdings business performance
Provident Financial Holdings's return on assets has decreased by 14% YoY
The return on invested capital has declined by 11% year-on-year
The ROS fell by 8% YoY and by 3.4% QoQ
The return on equity has declined by 7% year-on-year and by 3.1% since the previous quarter

Dividends

What is PROV's dividend history
Dividend details
DPS
$0.56
Dividend yield
4.31%
Payout ratio
48.7%
Recent dividends

Financial health

How did Provident Financial Holdings financials performed over time
The total assets is 11% more than the total liabilities
The total liabilities is up by 2.6% year-on-year
The total assets has grown by 2.4% YoY
Provident Financial Holdings's debt is 87% higher than its equity
PROV's debt to equity is up by 35% year-on-year and by 2.7% since the previous quarter
Provident Financial Holdings's debt has increased by 35% YoY and by 3.2% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.