PROVIDENT FINANCIAL HLDGS(NASDAQ:PROV) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, PROV scores 4 out of 10 in our fundamental rating. PROV was compared to 396 industry peers in the Banks industry. While PROV seems to be doing ok healthwise, there are quite some concerns on its profitability. PROV has a expensive valuation and it also scores bad on growth.

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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.

In the past 5 years PROV has always been profitable.

In the past 5 years PROV always reported a positive cash flow from operatings.

1.2 Ratios

PROV has a worse Return On Assets (0.52%) than 73.74% of its industry peers.

The Return On Equity of PROV (5.11%) is worse than 76.26% 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

The Profit Margin of PROV (16.81%) is worse than 71.97% of its industry peers.

PROV's Profit Margin has improved 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for PROV has been reduced compared to 5 years ago.

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's Debt to FCF ratio of 0.02 is amongst the best of the industry. PROV outperforms 90.40% 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 88.89% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.02
Altman-Z	N/A

ROIC/WACCN/A

WACC8.11%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for PROV have decreased by -6.73% in the last year.

PROV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.82% yearly.

The Revenue has decreased by -0.41% in the past 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

PROV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.20% yearly.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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.

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4. Valuation

4.1 Price/Earnings Ratio

PROV is valuated correctly with a Price/Earnings ratio of 15.98.

Compared to the rest of the industry, the Price/Earnings ratio of PROV indicates a slightly more expensive valuation: PROV is more expensive than 71.46% 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 26.68.

A Price/Forward Earnings ratio of 13.21 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 70.96% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 22.50. PROV is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	15.98
Fwd PE	13.21

4.2 Price Multiples

74.75% 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	20.06
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.25

EPS Next 2Y5.2%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PROV has a Yearly Dividend Yield of 3.60%.

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 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.6%

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 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

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 2Y5.2%

EPS Next 3YN/A

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PROVIDENT FINANCIAL HLDGS

NASDAQ:PROV (5/19/2025, 4:01:05 PM)

15.5

-0.05 (-0.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-28 2025-04-28/bmo

Earnings (Next)07-28 2025-07-28/bmo

Inst Owners48.48%

Inst Owner Change-0.62%

Ins Owners10.5%

Ins Owner Change-0.51%

Market Cap103.08M

Analysts45.71

Price Target16.58 (6.97%)

Short Float %0.46%

Short Ratio4.19

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.6%

Yearly Dividend0.56

Dividend Growth(5Y)-0.09%

DP57.79%

Div Incr Years0

Div Non Decr Years14

Ex-Date05-15 2025-05-15 (0.14)

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)3.17%

PT rev (3m)-2.99%

EPS NQ rev (1m)-12.5%

EPS NQ rev (3m)-12.5%

EPS NY rev (1m)-14.68%

EPS NY rev (3m)-14.68%

Revenue NQ rev (1m)0.3%

Revenue NQ rev (3m)0.3%

Revenue NY rev (1m)0.74%

Revenue NY rev (3m)0.74%

Valuation

		Industry Rank	Sector Rank
PE	15.98
Fwd PE	13.21
P/S	2.63
P/FCF	20.06
P/OCF	18.92
P/B	0.8
P/tB	0.8
EV/EBITDA	N/A

EPS(TTM)0.97

EY6.26%

EPS(NY)1.17

Fwd EY7.57%

FCF(TTM)0.77

FCFY4.98%

OCF(TTM)0.82

OCFY5.29%

SpS5.89

BVpS19.38

TBVpS19.38

PEG (NY)N/A

PEG (5Y)1.25

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

WACC8.11%

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%

PROVIDENT FINANCIAL HLDGS (PROV) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens