PROVIDENT FINANCIAL HLDGS (PROV) Fundamental Analysis & Valuation

NASDAQ:PROV • US7438681014

Current stock price

17.13 USD
-0.03 (-0.17%)
Last:

This PROV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PROV Profitability Analysis

1.1 Basic Checks

  • In the past year PROV was profitable.
  • In the past year PROV had a positive cash flow from operations.
  • PROV had positive earnings in each of the past 5 years.
  • In the past 5 years PROV always reported a positive cash flow from operatings.
PROV Yearly Net Income VS EBIT VS OCF VS FCFPROV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • With a Return On Assets value of 0.54%, PROV is not doing good in the industry: 81.05% of the companies in the same industry are doing better.
  • The Return On Equity of PROV (5.18%) is worse than 81.05% of its industry peers.
Industry RankSector Rank
ROA 0.54%
ROE 5.18%
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
PROV Yearly ROA, ROE, ROICPROV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • PROV's Profit Margin of 16.72% is on the low side compared to the rest of the industry. PROV is outperformed by 80.00% of its industry peers.
  • PROV's Profit Margin has declined 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 RankSector Rank
OM N/A
PM (TTM) 16.72%
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
PROV Yearly Profit, Operating, Gross MarginsPROV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. PROV Health Analysis

2.1 Basic Checks

  • PROV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PROV has less shares outstanding than it did 1 year ago.
  • PROV has less shares outstanding than it did 5 years ago.
  • PROV has a worse debt/assets ratio than last year.
PROV Yearly Shares OutstandingPROV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
PROV Yearly Total Debt VS Total AssetsPROV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • PROV has a debt to FCF ratio of 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.01, PROV belongs to the best of the industry, outperforming 91.32% of the companies in the same industry.
  • PROV has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.00, PROV belongs to the top of the industry, outperforming 89.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACCN/A
WACC8.47%
PROV Yearly LT Debt VS Equity VS FCFPROV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PROV Yearly Current Assets VS Current LiabilitesPROV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PROV Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.79% over the past year.
  • The Earnings Per Share has been decreasing by -1.44% on average over the past years.
  • The Revenue has been growing slightly by 2.66% in the past year.
  • PROV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.95% yearly.
EPS 1Y (TTM)8.79%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%69.23%
Revenue 1Y (TTM)2.66%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%-1.27%

3.2 Future

  • Based on estimates for the next years, PROV will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.87% on average per year.
  • The Revenue is expected to grow by 3.34% on average over the next years.
EPS Next Y75.48%
EPS Next 2Y19.87%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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.
PROV Yearly Revenue VS EstimatesPROV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
PROV Yearly EPS VS EstimatesPROV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

More info and screens

Find the best growth stocksShow best growing peers

3

4. PROV Valuation Analysis

4.1 Price/Earnings Ratio

  • PROV is valuated rather expensively with a Price/Earnings ratio of 17.30.
  • 79.74% of the companies in the same industry are cheaper than PROV, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, PROV is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 12.82 indicates a correct valuation of PROV.
  • Based on the Price/Forward Earnings ratio, PROV is valued a bit more expensive than the industry average as 66.05% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 23.68. PROV is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.3
Fwd PE 12.82
PROV Price Earnings VS Forward Price EarningsPROV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 12.22
EV/EBITDA N/A
PROV Per share dataPROV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • PROV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PROV's earnings are expected to grow with 19.87% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y19.87%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. PROV Dividend Analysis

5.1 Amount

  • PROV has a Yearly Dividend Yield of 3.50%.
  • Compared to an average industry Dividend Yield of 2.73, PROV pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, PROV pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.5%

5.2 History

  • The dividend of PROV decreases each year by -0.10%.
  • PROV has paid a dividend for at least 10 years, which is a reliable track record.
  • PROV has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.1%
Div Incr Years0
Div Non Decr Years15
PROV Yearly Dividends per sharePROV Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • PROV pays out 55.85% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP55.85%
EPS Next 2Y19.87%
EPS Next 3YN/A
PROV Yearly Income VS Free CF VS DividendPROV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
PROV Dividend Payout.PROV Dividend Payout, showing the Payout Ratio.PROV Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PROV Fundamentals: All Metrics, Ratios and Statistics

PROVIDENT FINANCIAL HLDGS

NASDAQ:PROV (4/10/2026, 4:10:09 PM)

17.13

-0.03 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners50.08%
Inst Owner Change0%
Ins Owners10.59%
Ins Owner Change-0.5%
Market Cap109.29M
Revenue(TTM)39.47M
Net Income(TTM)6.60M
Analysts43.33
Price Target16.32 (-4.73%)
Short Float %0.67%
Short Ratio4.45
Dividend
Industry RankSector Rank
Dividend Yield 3.5%
Yearly Dividend0.56
Dividend Growth(5Y)-0.1%
DP55.85%
Div Incr Years0
Div Non Decr Years15
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-30.77%
Min EPS beat(2)-43.24%
Max EPS beat(2)-18.3%
EPS beat(4)0
Avg EPS beat(4)-21.87%
Min EPS beat(4)-43.24%
Max EPS beat(4)-8.5%
EPS beat(8)2
Avg EPS beat(8)-15.04%
EPS beat(12)4
Avg EPS beat(12)-11.14%
EPS beat(16)5
Avg EPS beat(16)-6.58%
Revenue beat(2)0
Avg Revenue beat(2)-7.16%
Min Revenue beat(2)-7.96%
Max Revenue beat(2)-6.35%
Revenue beat(4)1
Avg Revenue beat(4)-4.71%
Min Revenue beat(4)-7.96%
Max Revenue beat(4)0.62%
Revenue beat(8)2
Avg Revenue beat(8)-3.22%
Revenue beat(12)3
Avg Revenue beat(12)-3.38%
Revenue beat(16)4
Avg Revenue beat(16)-2.71%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.82%
EPS NY rev (1m)0%
EPS NY rev (3m)19.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 17.3
Fwd PE 12.82
P/S 2.77
P/FCF 12.22
P/OCF 11.48
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)0.99
EY5.78%
EPS(NY)1.34
Fwd EY7.8%
FCF(TTM)1.4
FCFY8.18%
OCF(TTM)1.49
OCFY8.71%
SpS6.19
BVpS19.98
TBVpS19.98
PEG (NY)0.23
PEG (5Y)N/A
Graham Number21.1
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 5.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.72%
GM N/A
FCFM 22.66%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr 16.36%
Cap/Sales 1.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 135.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.47%
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)8.79%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%69.23%
EPS Next Y75.48%
EPS Next 2Y19.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.66%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%-1.27%
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-33.04%
FCF growth 3Y-11.08%
FCF growth 5Y0.89%
OCF growth 1Y-34.63%
OCF growth 3Y-9.71%
OCF growth 5Y1.66%

PROVIDENT FINANCIAL HLDGS / PROV Fundamental Analysis 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.


Can you provide the profitability details for PROVIDENT FINANCIAL HLDGS?

PROVIDENT FINANCIAL HLDGS (PROV) has a profitability rating of 2 / 10.


What is the expected EPS growth for PROVIDENT FINANCIAL HLDGS (PROV) stock?

The Earnings per Share (EPS) of PROVIDENT FINANCIAL HLDGS (PROV) is expected to grow by 75.48% in the next year.


How sustainable is the dividend of PROVIDENT FINANCIAL HLDGS (PROV) stock?

The dividend rating of PROVIDENT FINANCIAL HLDGS (PROV) is 6 / 10 and the dividend payout ratio is 55.85%.