PROVIDENT FINANCIAL HLDGS (PROV) Stock Fundamental Analysis
NASDAQ:PROV - Nasdaq - US7438681014 - Common Stock - Currency: USD
Overall PROV gets a fundamental rating of 4 out of 10. We evaluated PROV against 396 industry peers in the Banks industry. PROV scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PROV has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
PROV had positive earnings in the past year.
PROV had a positive operating cash flow in the past year.
Each year in the past 5 years PROV has been profitable.
In the past 5 years PROV always reported a positive cash flow from operatings.
1.2 Ratios
PROV's Return On Assets of 0.52% is on the low side compared to the rest of the industry. PROV is outperformed by 74.49% of its industry peers.
With a Return On Equity value of 5.11%, PROV is not doing good in the industry: 76.52% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 5.11% | ||
| ROIC | N/A |
ROA(3y)0.66%
ROA(5y)0.66%
ROE(3y)6.45%
ROE(5y)6.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PROV has a worse Profit Margin (16.81%) than 72.73% of its industry peers.
PROV's Profit Margin has improved in the last couple of years.
PROV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.81% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.32%
PM growth 5Y16.86%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PROV does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PROV has been reduced compared to 1 year ago.
The number of shares outstanding for PROV has been reduced compared to 5 years ago.
PROV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
The Debt to FCF ratio of PROV is 0.02, which is an excellent value as it means it would take PROV, only 0.02 years of fcf income to pay off all of its debts.
PROV has a Debt to FCF ratio of 0.02. This is amongst the best in the industry. PROV outperforms 90.66% of its industry peers.
PROV has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PROV (0.00) is better than 88.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PROV have decreased by -6.73% in the last year.
The Earnings Per Share has been growing by 12.82% on average over the past years. This is quite good.
Looking at the last year, PROV shows a decrease in Revenue. The Revenue has decreased by -0.41% in the last year.
The Revenue has been decreasing by -5.18% on average over the past years.
EPS 1Y (TTM)-6.73%
EPS 3Y1.62%
EPS 5Y12.82%
EPS Q2Q%27.27%
Revenue 1Y (TTM)-0.41%
Revenue growth 3Y3.36%
Revenue growth 5Y-5.18%
Sales Q2Q%7.57%
3.2 Future
PROV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.20% yearly.
The Revenue is expected to grow by 5.76% on average over the next years.
EPS Next Y-10.51%
EPS Next 2Y5.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.48%
Revenue Next 2Y5.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.16, which indicates a correct valuation of PROV.
Based on the Price/Earnings ratio, PROV is valued a bit more expensive than the industry average as 71.21% of the companies are valued more cheaply.
PROV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.50.
Based on the Price/Forward Earnings ratio of 13.37, the valuation of PROV can be described as correct.
PROV's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PROV is more expensive than 70.20% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, PROV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.16 | ||
| Fwd PE | 13.37 |
4.2 Price Multiples
73.48% of the companies in the same industry are cheaper than PROV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.26
EPS Next 2Y5.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.61%, PROV has a reasonable but not impressive dividend return.
PROV's Dividend Yield is a higher than the industry average which is at 3.25.
Compared to an average S&P500 Dividend Yield of 2.34, PROV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
5.2 History
The dividend of PROV decreases each year by -0.09%.
PROV has been paying a dividend for at least 10 years, so it has a reliable track record.
PROV has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.09%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
PROV pays out 57.79% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP57.79%
EPS Next 2Y5.2%
EPS Next 3YN/A
NASDAQ:PROV (7/18/2025, 8:04:55 PM)
15.68
+0.18 (+1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.63%
Inst Owner Change0%
Ins Owners10.57%
Ins Owner Change-1.23%
Market Cap103.80M
Analysts43.33
Price Target16.83 (7.33%)
Short Float %0.54%
Short Ratio4.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
Yearly Dividend0.56
Dividend Growth(5Y)-0.09%
DP57.79%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-32.27%
Min EPS beat(2)-56.05%
Max EPS beat(2)-8.5%
EPS beat(4)2
Avg EPS beat(4)-8.29%
Min EPS beat(4)-56.05%
Max EPS beat(4)19.35%
EPS beat(8)3
Avg EPS beat(8)-6.98%
EPS beat(12)5
Avg EPS beat(12)-1.91%
EPS beat(16)8
Avg EPS beat(16)10.88%
Revenue beat(2)1
Avg Revenue beat(2)-1.36%
Min Revenue beat(2)-3.33%
Max Revenue beat(2)0.62%
Revenue beat(4)2
Avg Revenue beat(4)-0.27%
Min Revenue beat(4)-3.33%
Max Revenue beat(4)3.11%
Revenue beat(8)2
Avg Revenue beat(8)-2.87%
Revenue beat(12)4
Avg Revenue beat(12)-1.6%
Revenue beat(16)6
Avg Revenue beat(16)-1.67%
PT rev (1m)1.54%
PT rev (3m)4.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0%
EPS NY rev (3m)-14.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.16 | ||
| Fwd PE | 13.37 | ||
| P/S | 2.65 | ||
| P/FCF | 20.2 | ||
| P/OCF | 19.05 | ||
| P/B | 0.81 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.97
EY6.19%
EPS(NY)1.17
Fwd EY7.48%
FCF(TTM)0.78
FCFY4.95%
OCF(TTM)0.82
OCFY5.25%
SpS5.91
BVpS19.47
TBVpS19.47
PEG (NY)N/A
PEG (5Y)1.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 5.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.81% | ||
| GM | N/A | ||
| FCFM | 13.12% |
ROA(3y)0.66%
ROA(5y)0.66%
ROE(3y)6.45%
ROE(5y)6.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.32%
PM growth 5Y16.86%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 9.15% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 78.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.19%
ROIC/WACCN/A
Cap/Depr(3y)25.47%
Cap/Depr(5y)17.09%
Cap/Sales(3y)2.11%
Cap/Sales(5y)1.48%
Profit Quality(3y)121.53%
Profit Quality(5y)123.18%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.73%
EPS 3Y1.62%
EPS 5Y12.82%
EPS Q2Q%27.27%
EPS Next Y-10.51%
EPS Next 2Y5.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.41%
Revenue growth 3Y3.36%
Revenue growth 5Y-5.18%
Sales Q2Q%7.57%
Revenue Next Year2.48%
Revenue Next 2Y5.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-66.64%
FCF growth 3Y-28.91%
FCF growth 5Y-47.9%
OCF growth 1Y-66.36%
OCF growth 3Y-21.16%
OCF growth 5Y-44.41%