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PROV Provident Financial Holdings Inc
- Stocks
- Financial Services
- NASDAQ: PROV
Price (delayed)
$15.5
Market cap
$102.63M
P/E Ratio
15.82
Dividend/share
$0.56
EPS
$0.98
Enterprise value
$267.29M
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 debt has decreased by 12% QoQ and by 8% YoY
Provident Financial Holdings's gross profit has increased by 3.2% QoQ
Provident Financial Holdings's net income has decreased by 9% YoY but it has increased by 6% from the previous quarter
The EPS rose by 7% QoQ but it fell by 6% YoY
The price to earnings (P/E) is 15% more than the 5-year quarterly average of 13.8 and 11% more than the last 4 quarters average of 14.3
Key stats
What are the main financial stats of PROV
Market
Valuations
Earnings
Shares outstanding
6.62M
Market cap
$102.63M
Enterprise value
$267.29M
Price to earnings (P/E)
15.82
Price to book (P/B)
0.8
Price to sales (P/S)
2.61
EV/EBIT
28.66
EV/EBITDA
21.01
EV/Sales
6.74
Revenue
$39.67M
Gross profit
$39.67M
Operating income
$9.33M
Net income
$6.58M
EBIT
$9.33M
EBITDA
$12.72M
Free cash flow
$5.14M
Per share
Balance sheet
Liquidity
EPS
$0.98
EPS diluted
$0.98
Free cash flow per share
$0.77
Book value per share
$19.26
Revenue per share
$5.93
TBVPS
$188.35
Total assets
$1.26B
Total liabilities
$1.13B
Debt
$215.58M
Equity
$128.88M
Working capital
N/A
Debt to equity
1.67
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
12.94
Margins
Efficiency
Dividend
EBITDA margin
32.1%
Gross margin
100%
Net margin
16.6%
Operating margin
23.5%
Return on assets
0.5%
Return on equity
5.1%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
23.5%
Dividend yield
3.61%
DPS
$0.56
Payout ratio
57.1%
PROV stock price
How has the Provident Financial Holdings stock price performed over time
Intraday
0.52%
1 week
0.19%
1 month
3.61%
1 year
26.84%
YTD
-2.58%
QTD
6.24%
Financial performance
How have Provident Financial Holdings's revenue and profit performed over time
Revenue
$39.67M
Gross profit
$39.67M
Operating income
$9.33M
Net income
$6.58M
Gross margin
100%
Net margin
16.6%
The operating margin has declined by 11% year-on-year but it is up by 2.6% since the previous quarter
Provident Financial Holdings's operating income has decreased by 11% YoY but it has increased by 6% QoQ
Provident Financial Holdings's net margin has decreased by 9% YoY but it has increased by 2.5% QoQ
Provident Financial Holdings's net income has decreased by 9% YoY but it has increased by 6% from the previous quarter
Price vs fundamentals
How does PROV's price correlate with its fundamentals
Growth
What is Provident Financial Holdings's growth rate over time
Valuation
What is Provident Financial Holdings stock price valuation
P/E
15.82
P/B
0.8
P/S
2.61
EV/EBIT
28.66
EV/EBITDA
21.01
EV/Sales
6.74
The price to earnings (P/E) is 15% more than the 5-year quarterly average of 13.8 and 11% more than the last 4 quarters average of 14.3
The EPS rose by 7% QoQ but it fell by 6% YoY
PROV's price to sales (P/S) is 4.4% higher than its last 4 quarters average of 2.5 but 3.3% lower than its 5-year quarterly average of 2.7
PROV's revenue is up by 3.2% QoQ
Efficiency
How efficient is Provident Financial Holdings business performance
Provident Financial Holdings's return on assets has decreased by 17% YoY
The return on invested capital has declined by 14% year-on-year
The ROS fell by 11% YoY but it rose by 2.6% QoQ
The return on equity has declined by 9% year-on-year but it is up by 6% since the previous quarter
Dividends
What is PROV's dividend history
DPS
$0.56
Dividend yield
3.61%
Payout ratio
57.1%
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 2.5% year-on-year
The total assets has contracted by 2.3% YoY
Provident Financial Holdings's debt is 67% higher than its equity
PROV's debt to equity is down by 13% since the previous quarter and by 8% year-on-year
Provident Financial Holdings's debt has decreased by 12% QoQ and by 8% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.