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 395 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
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.
PROV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PROV has a worse Return On Assets (0.52%) than 74.68% of its industry peers.
The Return On Equity of PROV (5.11%) is worse than 76.71% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 16.81%, PROV is doing worse than 72.91% of the companies in the same industry.
In the last couple of years the Profit Margin of PROV has grown nicely.
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-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.
PROV has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PROV has less shares outstanding
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
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 90.38% 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 88.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PROV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.73%.
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
Based on estimates for the next years, PROV will show a small growth in Earnings Per Share. The EPS will grow by 5.20% on average per year.
Based on estimates for the next years, PROV will show a small growth in Revenue. The Revenue will grow by 5.76% on average per year.
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.
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
PROV is valuated correctly with a Price/Earnings ratio of 15.90.
Based on the Price/Earnings ratio, PROV is valued a bit more expensive than the industry average as 73.16% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of PROV to the average of the S&P500 Index (26.34), we can say PROV is valued slightly cheaper.
The Price/Forward Earnings ratio is 13.15, which 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 70.89% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of PROV to the average of the S&P500 Index (21.03), we can say PROV is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.9 | ||
| Fwd PE | 13.15 |
4.2 Price Multiples
PROV's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PROV is more expensive than 74.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.24
EPS Next 2Y5.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PROV has a Yearly Dividend Yield of 3.62%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.61, PROV pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, PROV pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
5.2 History
The dividend of PROV decreases each year by -0.09%.
PROV has paid a dividend for at least 10 years, which is 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 (6/20/2025, 8:00:00 PM)
15.42
-0.05 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.63%
Inst Owner Change-0.65%
Ins Owners10.57%
Ins Owner Change-1.23%
Market Cap102.08M
Analysts45.71
Price Target16.83 (9.14%)
Short Float %0.45%
Short Ratio4.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.62% |
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)1.54%
EPS NQ rev (1m)10.71%
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 | 15.9 | ||
| Fwd PE | 13.15 | ||
| P/S | 2.61 | ||
| P/FCF | 19.87 | ||
| P/OCF | 18.73 | ||
| P/B | 0.79 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.97
EY6.29%
EPS(NY)1.17
Fwd EY7.61%
FCF(TTM)0.78
FCFY5.03%
OCF(TTM)0.82
OCFY5.34%
SpS5.91
BVpS19.47
TBVpS19.47
PEG (NY)N/A
PEG (5Y)1.24
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
WACC8.61%
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%