16.01 USD
0 (0%)
PROV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. The financial health of PROV is average, but there are quite some concerns on its profitability. 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.
- In the past 5 years PROV has always been profitable.
- PROV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.49%, PROV is doing worse than 78.33% of the companies in the same industry.
- PROV's Return On Equity of 4.70% is on the low side compared to the rest of the industry. PROV is outperformed by 78.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 4.7% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.63%
ROE(3y)5.72%
ROE(5y)6.04%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- PROV's Profit Margin of 15.39% is on the low side compared to the rest of the industry. PROV is outperformed by 75.46% of its industry peers.
- PROV's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for PROV so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.39% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.83%
PM growth 5Y-3.15%
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 a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of PROV is 0.01, which is an excellent value as it means it would take PROV, only 0.01 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of PROV (0.01) is better than 89.56% 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.
- PROV has a better Debt to Equity ratio (0.00) than 88.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- PROV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.43%.
- The Earnings Per Share has been decreasing by -1.44% on average over the past years.
- PROV shows a small growth in Revenue. In the last year, the Revenue has grown by 1.92%.
- Measured over the past years, PROV shows a decrease in Revenue. The Revenue has been decreasing by -0.95% on average per year.
EPS 1Y (TTM)-17.43%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%-10.71%
Revenue 1Y (TTM)1.92%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%2.4%
3.2 Future
- The Earnings Per Share is expected to grow by 16.15% on average over the next years. This is quite good.
- The Revenue is expected to grow by 3.34% on average over the next years.
EPS Next Y75.48%
EPS Next 2Y16.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.97%
Revenue Next 2Y3.34%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 17.79, which indicates a rather expensive current valuation of PROV.
- Based on the Price/Earnings ratio, PROV is valued a bit more expensive than the industry average as 75.46% of the companies are valued more cheaply.
- PROV is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 12.76, PROV is valued correctly.
- PROV's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PROV is more expensive than 64.49% of the companies in the same industry.
- PROV is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.79 | ||
| Fwd PE | 12.76 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PROV is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- PROV's earnings are expected to grow with 16.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y16.15%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- PROV has a Yearly Dividend Yield of 3.50%. Purely for dividend investing, there may be better candidates out there.
- PROV's Dividend Yield is a higher than the industry average which is at 2.86.
- PROV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
5.2 History
- The dividend of PROV decreases each year by -0.10%.
- 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)-0.1%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
- PROV pays out 61.73% of its income as dividend. This is not a sustainable payout ratio.
DP61.73%
EPS Next 2Y16.15%
EPS Next 3YN/A
NASDAQ:PROV (1/16/2026, 8:00:01 PM)
16.01
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)01-26 2026-01-26/bmo
Inst Owners49.62%
Inst Owner Change0%
Ins Owners10.43%
Ins Owner Change-0.5%
Market Cap103.58M
Revenue(TTM)39.23M
Net Income(TTM)6.04M
Analysts45.71
Price Target16.32 (1.94%)
Short Float %0.42%
Short Ratio2.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
Yearly Dividend0.56
Dividend Growth(5Y)-0.1%
DP61.73%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-17.87%
Min EPS beat(2)-18.3%
Max EPS beat(2)-17.44%
EPS beat(4)0
Avg EPS beat(4)-25.07%
Min EPS beat(4)-56.05%
Max EPS beat(4)-8.5%
EPS beat(8)3
Avg EPS beat(8)-7.24%
EPS beat(12)4
Avg EPS beat(12)-7.94%
EPS beat(16)6
Avg EPS beat(16)-1.77%
Revenue beat(2)0
Avg Revenue beat(2)-5.75%
Min Revenue beat(2)-6.35%
Max Revenue beat(2)-5.15%
Revenue beat(4)1
Avg Revenue beat(4)-3.55%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)0.62%
Revenue beat(8)2
Avg Revenue beat(8)-2.9%
Revenue beat(12)3
Avg Revenue beat(12)-2.92%
Revenue beat(16)5
Avg Revenue beat(16)-2.1%
PT rev (1m)0%
PT rev (3m)-1.54%
EPS NQ rev (1m)18.75%
EPS NQ rev (3m)13.43%
EPS NY rev (1m)19.85%
EPS NY rev (3m)14.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.79 | ||
| Fwd PE | 12.76 | ||
| P/S | 2.64 | ||
| P/FCF | 12.6 | ||
| P/OCF | 12.01 | ||
| P/B | 0.81 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY5.62%
EPS(NY)1.25
Fwd EY7.84%
FCF(TTM)1.27
FCFY7.93%
OCF(TTM)1.33
OCFY8.32%
SpS6.06
BVpS19.84
TBVpS19.84
PEG (NY)0.24
PEG (5Y)N/A
Graham Number20.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 4.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.39% | ||
| GM | N/A | ||
| FCFM | 20.95% |
ROA(3y)0.58%
ROA(5y)0.63%
ROE(3y)5.72%
ROE(5y)6.04%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.83%
PM growth 5Y-3.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 11.87% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 136.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.59%
ROIC/WACCN/A
Cap/Depr(3y)29.15%
Cap/Depr(5y)18.96%
Cap/Sales(3y)2.38%
Cap/Sales(5y)1.65%
Profit Quality(3y)122.5%
Profit Quality(5y)128.99%
High Growth Momentum
Growth
EPS 1Y (TTM)-17.43%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%-10.71%
EPS Next Y75.48%
EPS Next 2Y16.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.92%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%2.4%
Revenue Next Year2.97%
Revenue Next 2Y3.34%
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-49.58%
FCF growth 3Y-11.08%
FCF growth 5Y0.89%
OCF growth 1Y-50.45%
OCF growth 3Y-9.71%
OCF growth 5Y1.66%
PROVIDENT FINANCIAL HLDGS / PROV FAQ
Can you provide the ChartMill fundamental rating for PROVIDENT FINANCIAL HLDGS?
ChartMill assigns a fundamental rating of 3 / 10 to PROV.
What is the valuation status for PROV stock?
ChartMill assigns a valuation rating of 3 / 10 to PROVIDENT FINANCIAL HLDGS (PROV). This can be considered as Overvalued.
What is the profitability of PROV stock?
PROVIDENT FINANCIAL HLDGS (PROV) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for PROV stock?
The Price/Earnings (PE) ratio for PROVIDENT FINANCIAL HLDGS (PROV) is 17.79 and the Price/Book (PB) ratio is 0.81.
What is the financial health of PROVIDENT FINANCIAL HLDGS (PROV) stock?
The financial health rating of PROVIDENT FINANCIAL HLDGS (PROV) is 4 / 10.