15.26 USD
+0.05 (+0.31%)
Taking everything into account, PROV scores 4 out of 10 in our fundamental rating. PROV was compared to 387 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
PROV had positive earnings in the past year.
In the past year PROV had a positive cash flow from operations.
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
With a Return On Assets value of 0.50%, PROV is not doing good in the industry: 77.52% of the companies in the same industry are doing better.
PROV has a worse Return On Equity (4.87%) than 78.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 4.87% | ||
| 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 has a Profit Margin of 16.04%. This is in the lower half of the industry: PROV underperforms 74.42% of its industry peers.
In the last couple of years the Profit Margin of PROV has declined.
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) | 16.04% | ||
| 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.
Compared to 1 year ago, PROV has less shares outstanding
PROV has less shares outstanding than it did 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.
PROV's Debt to FCF ratio of 0.01 is amongst the best of the industry. PROV outperforms 89.15% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that PROV is not too dependend on debt financing.
PROV has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. PROV outperforms 87.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.54%
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.
The Revenue has been growing slightly by 1.92% 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)-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
Based on estimates for the next years, PROV will show a very strong growth in Earnings Per Share. The EPS will grow by 25.02% on average per year.
PROV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.34% yearly.
EPS Next Y46.42%
EPS Next 2Y25.02%
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.
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
Based on the Price/Earnings ratio of 16.96, the valuation of PROV can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of PROV indicates a slightly more expensive valuation: PROV is more expensive than 75.19% of the companies listed in the same industry.
PROV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.15.
Based on the Price/Forward Earnings ratio of 10.50, the valuation of PROV can be described as reasonable.
PROV's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of PROV to the average of the S&P500 Index (36.12), we can say PROV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.96 | ||
| Fwd PE | 10.5 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as PROV.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.11 | ||
| EV/EBITDA | N/A |
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 25.02% in the coming years.
PEG (NY)0.37
PEG (5Y)N/A
EPS Next 2Y25.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PROV has a Yearly Dividend Yield of 3.71%.
Compared to an average industry Dividend Yield of 3.33, PROV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, PROV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.1%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
PROV pays out 60.21% of its income as dividend. This is not a sustainable payout ratio.
DP60.21%
EPS Next 2Y25.02%
EPS Next 3YN/A
NASDAQ:PROV (11/26/2025, 8:00:01 PM)
15.26
+0.05 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.48%
Inst Owner Change0.75%
Ins Owners10.61%
Ins Owner Change-0.7%
Market Cap98.73M
Revenue(TTM)39.23M
Net Income(TTM)6.25M
Analysts45.71
Price Target16.32 (6.95%)
Short Float %0.38%
Short Ratio2.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.71% |
Yearly Dividend0.56
Dividend Growth(5Y)-0.1%
DP60.21%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.97%
Min EPS beat(2)-17.44%
Max EPS beat(2)-8.5%
EPS beat(4)1
Avg EPS beat(4)-17.49%
Min EPS beat(4)-56.05%
Max EPS beat(4)12.04%
EPS beat(8)3
Avg EPS beat(8)-6.51%
EPS beat(12)4
Avg EPS beat(12)-7.11%
EPS beat(16)7
Avg EPS beat(16)1.07%
Revenue beat(2)1
Avg Revenue beat(2)-2.27%
Min Revenue beat(2)-5.15%
Max Revenue beat(2)0.62%
Revenue beat(4)1
Avg Revenue beat(4)-2.34%
Min Revenue beat(4)-5.15%
Max Revenue beat(4)0.62%
Revenue beat(8)2
Avg Revenue beat(8)-2.72%
Revenue beat(12)3
Avg Revenue beat(12)-2.58%
Revenue beat(16)6
Avg Revenue beat(16)-1.65%
PT rev (1m)-1.54%
PT rev (3m)-1.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-4.3%
EPS NY rev (3m)16.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-3.34%
Revenue NY rev (3m)-5.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.96 | ||
| Fwd PE | 10.5 | ||
| P/S | 2.53 | ||
| P/FCF | 12.11 | ||
| P/OCF | 11.37 | ||
| P/B | 0.77 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY5.9%
EPS(NY)1.45
Fwd EY9.52%
FCF(TTM)1.26
FCFY8.26%
OCF(TTM)1.34
OCFY8.8%
SpS6.03
BVpS19.87
TBVpS19.87
PEG (NY)0.37
PEG (5Y)N/A
Graham Number20.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 4.87% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.04% | ||
| GM | N/A | ||
| FCFM | 20.91% |
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 | 15.2% | ||
| Cap/Sales | 1.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 130.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.54%
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 Y46.42%
EPS Next 2Y25.02%
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 1Y99.1%
FCF growth 3Y-11.08%
FCF growth 5Y0.89%
OCF growth 1Y52.77%
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 4 / 10 to PROV.
What is the valuation status of PROVIDENT FINANCIAL HLDGS (PROV) stock?
ChartMill assigns a valuation rating of 5 / 10 to PROVIDENT FINANCIAL HLDGS (PROV). This can be considered as Fairly Valued.
How profitable is PROVIDENT FINANCIAL HLDGS (PROV) stock?
PROVIDENT FINANCIAL HLDGS (PROV) has a profitability rating of 2 / 10.
What is the valuation of PROVIDENT FINANCIAL HLDGS based on its PE and PB ratios?
The Price/Earnings (PE) ratio for PROVIDENT FINANCIAL HLDGS (PROV) is 16.96 and the Price/Book (PB) ratio is 0.77.
How sustainable is the dividend of PROVIDENT FINANCIAL HLDGS (PROV) stock?
The dividend rating of PROVIDENT FINANCIAL HLDGS (PROV) is 5 / 10 and the dividend payout ratio is 60.21%.