Price (delayed)
$14.19
Market cap
$97.38M
P/E Ratio
13.39
Dividend/share
$0.56
EPS
$1.06
Enterprise value
$284.51M
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
The price to earnings (P/E) is 14% more than the last 4 quarters average of 11.7 but 13% less than the 5-year quarterly average of 15.4
Provident Financial Holdings's net income has decreased by 14% YoY but it has increased by 2% from the previous quarter
The EPS fell by 12% YoY
PROV's revenue is down by 4.3% YoY
Key stats
What are the main financial stats of PROV
Market
Valuations
Earnings
Shares outstanding
6.86M
Market cap
$97.38M
Enterprise value
$284.51M
Price to earnings (P/E)
13.39
Price to book (P/B)
0.75
Price to sales (P/S)
2.51
EV/EBIT
27.39
EV/EBITDA
21.01
EV/Sales
7.31
Revenue
$38.93M
EBIT
$10.39M
EBITDA
$13.54M
Free cash flow
$4.1M
Per share
Balance sheet
Liquidity
EPS
$1.06
Free cash flow per share
$0.6
Book value per share
$18.89
Revenue per share
$5.66
TBVPS
$184.97
Total assets
$1.27B
Total liabilities
$1.14B
Debt
$238.5M
Equity
$129.94M
Working capital
N/A
Debt to equity
1.84
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
13.82
Margins
Efficiency
Dividend
EBITDA margin
34.8%
Gross margin
100%
Net margin
18.9%
Operating margin
26.7%
Return on assets
0.6%
Return on equity
5.7%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
26.7%
Dividend yield
3.95%
DPS
$0.56
Payout ratio
52.8%
PROV stock price
How has the Provident Financial Holdings stock price performed over time
Intraday
1.28%
1 week
-1.18%
1 month
7.09%
1 year
10.77%
YTD
12.53%
QTD
13.52%
Financial performance
How have Provident Financial Holdings's revenue and profit performed over time
Revenue
$38.93M
Gross profit
$38.93M
Operating income
$10.39M
Net income
$7.35M
Gross margin
100%
Net margin
18.9%
Provident Financial Holdings's operating income has decreased by 16% YoY
Provident Financial Holdings's net income has decreased by 14% YoY but it has increased by 2% from the previous quarter
The operating margin has declined by 12% year-on-year
Provident Financial Holdings's net margin has decreased by 10% YoY but it has increased by 3.3% QoQ
Growth
What is Provident Financial Holdings's growth rate over time
Valuation
What is Provident Financial Holdings stock price valuation
P/E
13.39
P/B
0.75
P/S
2.51
EV/EBIT
27.39
EV/EBITDA
21.01
EV/Sales
7.31
The price to earnings (P/E) is 14% more than the last 4 quarters average of 11.7 but 13% less than the 5-year quarterly average of 15.4
The EPS fell by 12% YoY
PROV's price to book (P/B) is 17% lower than its 5-year quarterly average of 0.9 but 7% higher than its last 4 quarters average of 0.7
PROV's price to sales (P/S) is 10% lower than its 5-year quarterly average of 2.8 but 9% higher than its last 4 quarters average of 2.3
PROV's revenue is down by 4.3% YoY
Efficiency
How efficient is Provident Financial Holdings business performance
The return on invested capital has declined by 22% year-on-year
Provident Financial Holdings's return on assets has decreased by 14% YoY
The return on equity has declined by 14% year-on-year
The ROS fell by 12% YoY
Dividends
What is PROV's dividend history
DPS
$0.56
Dividend yield
3.95%
Payout ratio
52.8%
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 5% year-on-year
The total assets has contracted by 4.6% YoY
Provident Financial Holdings's debt is 84% higher than its equity
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.