PROVIDENT FINANCIAL HLDGS (PROV) Stock Fundamental Analysis
NASDAQ:PROV - US7438681014 - Common Stock
15.3026 USD
+0.2 (+1.34%)
We assign a fundamental rating of 4 out of 10 to PROV. PROV was compared to 393 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year PROV was profitable.
In the past year PROV had a positive cash flow from operations.
Each year in the past 5 years PROV has been profitable.
Of the past 5 years PROV 4 years had a positive operating cash flow.
1.2 Ratios
PROV has a Return On Assets of 0.52%. This is in the lower half of the industry: PROV underperforms 73.28% of its industry peers.
With a Return On Equity value of 5.11%, PROV is not doing good in the industry: 74.05% 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)0.58%
ROA(5y)0.63%
ROE(3y)5.72%
ROE(5y)6.04%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 16.81%, PROV is doing worse than 71.50% of the companies in the same industry.
In the last couple of years the Profit Margin of PROV has declined.
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) | 16.81% | ||
| 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.
Compared to 5 years ago, PROV has less shares outstanding
There is no outstanding debt for PROV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
PROV has a debt to FCF ratio of 0.02. This is a very positive value and a sign of high solvency as it would only need 0.02 years to pay back of all of its debts.
PROV has a Debt to FCF ratio of 0.02. This is amongst the best in the industry. PROV outperforms 90.33% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that PROV is not too dependend on debt financing.
The Debt to Equity ratio of PROV (0.00) is better than 88.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.1%
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 -12.26%.
Measured over the past years, PROV shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.44% on average per year.
The Revenue has been growing slightly by 0.35% in the past year.
The Revenue has been decreasing by -0.95% on average over the past years.
EPS 1Y (TTM)-12.26%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%-14.29%
Revenue 1Y (TTM)0.35%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%-1.57%
3.2 Future
PROV is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.78% yearly.
PROV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.29% yearly.
EPS Next Y53%
EPS Next 2Y20.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.53%
Revenue Next 2Y5.29%
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
With a Price/Earnings ratio of 16.45, PROV is valued correctly.
72.52% 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 27.24, PROV is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 10.75, the valuation of PROV can be described as reasonable.
PROV's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.82, PROV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.45 | ||
| Fwd PE | 10.75 |
4.2 Price Multiples
69.47% 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 | 19.6 | ||
| 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 20.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y20.78%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PROV has a Yearly Dividend Yield of 3.71%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.34, PROV pays a bit more dividend than its industry peers.
PROV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.09%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
57.79% of the earnings are spent on dividend by PROV. This is a bit on the high side, but may be sustainable.
DP57.79%
EPS Next 2Y20.78%
EPS Next 3YN/A
NASDAQ:PROV (8/22/2025, 8:00:00 PM)
15.3026
+0.2 (+1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.95%
Inst Owner Change-0.94%
Ins Owners10.61%
Ins Owner Change-1.23%
Market Cap100.69M
Analysts45.71
Price Target16.58 (8.35%)
Short Float %0.44%
Short Ratio3.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
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)-1.52%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.79%
EPS NY rev (1m)21.3%
EPS NY rev (3m)21.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-2.4%
Revenue NY rev (3m)-2.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.45 | ||
| Fwd PE | 10.75 | ||
| P/S | 2.57 | ||
| P/FCF | 19.6 | ||
| P/OCF | 18.48 | ||
| P/B | 0.78 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.93
EY6.08%
EPS(NY)1.42
Fwd EY9.3%
FCF(TTM)0.78
FCFY5.1%
OCF(TTM)0.83
OCFY5.41%
SpS5.95
BVpS19.59
TBVpS19.59
PEG (NY)0.31
PEG (5Y)N/A
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)0.58%
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
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-13.83%
PM growth 5Y-3.15%
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
WACC8.1%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-12.26%
EPS 3Y-8.65%
EPS 5Y-1.44%
EPS Q2Q%-14.29%
EPS Next Y53%
EPS Next 2Y20.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.35%
Revenue growth 3Y2.42%
Revenue growth 5Y-0.95%
Sales Q2Q%-1.57%
Revenue Next Year6.53%
Revenue Next 2Y5.29%
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-45.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-50.2%
OCF growth 3YN/A
OCF growth 5YN/A