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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.74
PROV's Cash-to-Debt is ranked lower than
69% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. PROV: 0.74 )
Ranked among companies with meaningful Cash-to-Debt only.
PROV' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.15 Max: N/A
Current: 0.74
Equity-to-Asset 0.11
PROV's Equity-to-Asset is ranked higher than
61% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PROV: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
PROV' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.15
Current: 0.11
0.07
0.15
Interest Coverage 1.81
PROV's Interest Coverage is ranked higher than
52% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. PROV: 1.81 )
Ranked among companies with meaningful Interest Coverage only.
PROV' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 1.27 Max: 3.95
Current: 1.81
0.06
3.95
Beneish M-Score: -2.54
WACC vs ROIC
3.72%
4.42%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 17.51
PROV's Operating Margin % is ranked lower than
79% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. PROV: 17.51 )
Ranked among companies with meaningful Operating Margin % only.
PROV' s Operating Margin % Range Over the Past 10 Years
Min: -22.94  Med: 20.9 Max: 39.35
Current: 17.51
-22.94
39.35
Net Margin % 10.07
PROV's Net Margin % is ranked lower than
84% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. PROV: 10.07 )
Ranked among companies with meaningful Net Margin % only.
PROV' s Net Margin % Range Over the Past 10 Years
Min: -11.63  Med: 12.04 Max: 23.76
Current: 10.07
-11.63
23.76
ROE % 5.31
PROV's ROE % is ranked lower than
73% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. PROV: 5.31 )
Ranked among companies with meaningful ROE % only.
PROV' s ROE % Range Over the Past 10 Years
Min: -6.23  Med: 6.14 Max: 16.93
Current: 5.31
-6.23
16.93
ROA % 0.60
PROV's ROA % is ranked lower than
68% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. PROV: 0.60 )
Ranked among companies with meaningful ROA % only.
PROV' s ROA % Range Over the Past 10 Years
Min: -0.46  Med: 0.67 Max: 2.09
Current: 0.6
-0.46
2.09
3-Year Revenue Growth Rate -6.80
PROV's 3-Year Revenue Growth Rate is ranked lower than
86% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. PROV: -6.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PROV' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11.8  Med: 4.4 Max: 65.9
Current: -6.8
-11.8
65.9
3-Year EBITDA Growth Rate -25.10
PROV's 3-Year EBITDA Growth Rate is ranked lower than
94% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. PROV: -25.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PROV' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -51.8  Med: 8.7 Max: 121
Current: -25.1
-51.8
121
3-Year EPS without NRI Growth Rate -28.20
PROV's 3-Year EPS without NRI Growth Rate is ranked lower than
93% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PROV: -28.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PROV' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 12.7 Max: 163.6
Current: -28.2
0
163.6
GuruFocus has detected 4 Warning Signs with Provident Financial Holdings Inc $PROV.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PROV's 10-Y Financials

Financials (Next Earnings Date: 2017-04-27)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

PROV Guru Trades in Q1 2016

Jim Simons 346,800 sh (+0.96%)
» More
Q2 2016

PROV Guru Trades in Q2 2016

Jim Simons 333,900 sh (-3.72%)
» More
Q3 2016

PROV Guru Trades in Q3 2016

Jim Simons 319,700 sh (-4.25%)
» More
Q4 2016

PROV Guru Trades in Q4 2016

Jim Simons 342,300 sh (+7.07%)
» More
» Details

Insider Trades

Latest Guru Trades with PROV

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:OFED, NAS:PBIP, NAS:RVSB, NAS:MLVF, NAS:TSBK, NAS:ESSA, NAS:SIFI, NAS:LSBG, NAS:FSBK, NAS:FCAP, OTCBB:NWIN, NAS:FNWB, NAS:ICBK, NAS:GCBC, AMEX:BKJ, NAS:HFBC, NAS:LSBK, NAS:MSBF, NAS:KFFB, NAS:HMNF » details
Headquarter Location:USA
Provident Financial Holdings Inc is engaged in providing community banking & mortgage banking services. It accepts deposits, offers banking services, and provides multi-family, commercial real estate, commercial business, consumer & other mortgage loans.

Provident Financial Holdings Inc a Delaware corporation, was organized in January 1996 for the purpose of becoming the holding company of Provident Savings Bank, F.S.B. The bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The bank conducts its business operations as Provident Bank and, Provident Bank Mortgage, and through its subsidiary, Provident Financial Corp. The business activities of the bank consist of community banking, mortgage banking, investment services and real estate transactions. The Bank's community banking operations consist of accepting deposits from customers within the communities surrounding its full service offices and investing those funds in single-family, multi-family, commercial real estate, construction, commercial business, consumer and other mortgage loans. Mortgage banking activities consist of the origination and sale of single-family mortgage loans. Through its subsidiary, Provident Financial Corp, the Bank conducts trustee services for the Bank's real estate transactions and in the past has held real estate for investment. The Bank faces competition in its market area in originating real estate loans and attracting deposits. The Bank's competitors are large regional and super-regional commercial banks as well as other community-oriented banks and savings institutions. The Bank also faces competition from credit unions and a large number of mortgage companies that operate within its market area. The Bank's mortgage banking operations also face competition from mortgage bankers, brokers and other financial institutions. The Bank, as a federally chartered savings institution, is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, and the FDIC, as its insurer of deposits.

Ratios

vs
industry
vs
history
PE Ratio 22.16
PROV's PE Ratio is ranked lower than
78% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. PROV: 22.16 )
Ranked among companies with meaningful PE Ratio only.
PROV' s PE Ratio Range Over the Past 10 Years
Min: 4.62  Med: 14.8 Max: 95.67
Current: 22.16
4.62
95.67
Forward PE Ratio 12.42
PROV's Forward PE Ratio is ranked higher than
65% of the 839 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.93 vs. PROV: 12.42 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 22.16
PROV's PE Ratio without NRI is ranked lower than
78% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. PROV: 22.16 )
Ranked among companies with meaningful PE Ratio without NRI only.
PROV' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.62  Med: 14.8 Max: 95.67
Current: 22.16
4.62
95.67
Price-to-Owner-Earnings 11.35
PROV's Price-to-Owner-Earnings is ranked higher than
62% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. PROV: 11.35 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PROV' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.7  Med: 9.42 Max: 27.52
Current: 11.35
0.7
27.52
PB Ratio 1.14
PROV's PB Ratio is ranked higher than
56% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PROV: 1.14 )
Ranked among companies with meaningful PB Ratio only.
PROV' s PB Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.94 Max: 1.61
Current: 1.14
0.22
1.61
PS Ratio 2.28
PROV's PS Ratio is ranked higher than
72% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. PROV: 2.28 )
Ranked among companies with meaningful PS Ratio only.
PROV' s PS Ratio Range Over the Past 10 Years
Min: 0.22  Med: 1.76 Max: 3.45
Current: 2.28
0.22
3.45
Price-to-Free-Cash-Flow 5.81
PROV's Price-to-Free-Cash-Flow is ranked higher than
71% of the 870 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.33 vs. PROV: 5.81 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PROV' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.68  Med: 3.46 Max: 130.65
Current: 5.81
0.68
130.65
Price-to-Operating-Cash-Flow 5.49
PROV's Price-to-Operating-Cash-Flow is ranked higher than
69% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.82 vs. PROV: 5.49 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PROV' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.67  Med: 3.38 Max: 90.79
Current: 5.49
0.67
90.79
EV-to-EBIT 14.47
PROV's EV-to-EBIT is ranked lower than
55% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. PROV: 14.47 )
Ranked among companies with meaningful EV-to-EBIT only.
PROV' s EV-to-EBIT Range Over the Past 10 Years
Min: -89.1  Med: 9.6 Max: 219.4
Current: 14.47
-89.1
219.4
EV-to-EBITDA 12.15
PROV's EV-to-EBITDA is ranked lower than
52% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. PROV: 12.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
PROV' s EV-to-EBITDA Range Over the Past 10 Years
Min: -176.5  Med: 8.7 Max: 112.9
Current: 12.15
-176.5
112.9
Shiller PE Ratio 26.40
PROV's Shiller PE Ratio is ranked lower than
64% of the 479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.93 vs. PROV: 26.40 )
Ranked among companies with meaningful Shiller PE Ratio only.
PROV' s Shiller PE Ratio Range Over the Past 10 Years
Min: 1.7  Med: 10.8 Max: 27.74
Current: 26.4
1.7
27.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.64
PROV's Dividend Yield % is ranked higher than
51% of the 2319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. PROV: 2.64 )
Ranked among companies with meaningful Dividend Yield % only.
PROV' s Dividend Yield % Range Over the Past 10 Years
Min: 0.47  Med: 2.47 Max: 10.09
Current: 2.64
0.47
10.09
Dividend Payout Ratio 0.57
PROV's Dividend Payout Ratio is ranked lower than
81% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. PROV: 0.57 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PROV' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03  Med: 0.42 Max: 4.57
Current: 0.57
0.03
4.57
3-Year Dividend Growth Rate 26.00
PROV's 3-Year Dividend Growth Rate is ranked higher than
83% of the 768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. PROV: 26.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PROV' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -47.6 Max: 115.4
Current: 26
0
115.4
Forward Dividend Yield % 2.75
PROV's Forward Dividend Yield % is ranked lower than
52% of the 2248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. PROV: 2.75 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 27.68
PROV's 5-Year Yield-on-Cost % is ranked higher than
98% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.31 vs. PROV: 27.68 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PROV' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.93  Med: 25.9 Max: 105.8
Current: 27.68
4.93
105.8
3-Year Average Share Buyback Ratio 8.40
PROV's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. PROV: 8.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PROV' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.5  Med: 5.2 Max: 8.4
Current: 8.4
-22.5
8.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.15
PROV's Price-to-Tangible-Book is ranked higher than
59% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. PROV: 1.15 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PROV' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.24  Med: 0.98 Max: 1.81
Current: 1.15
0.24
1.81
Price-to-Intrinsic-Value-Projected-FCF 0.66
PROV's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
66% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. PROV: 0.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PROV' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.85 Max: 12.09
Current: 0.66
0.09
12.09
Price-to-Median-PS-Value 1.29
PROV's Price-to-Median-PS-Value is ranked lower than
60% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. PROV: 1.29 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PROV' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.14  Med: 1.24 Max: 2.16
Current: 1.29
0.14
2.16
Price-to-Graham-Number 1.06
PROV's Price-to-Graham-Number is ranked lower than
55% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. PROV: 1.06 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PROV' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33  Med: 0.83 Max: 1.38
Current: 1.06
0.33
1.38
Earnings Yield (Greenblatt) % 6.90
PROV's Earnings Yield (Greenblatt) % is ranked higher than
57% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. PROV: 6.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PROV' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 9.6 Max: 2697.8
Current: 6.9
0.5
2697.8
Forward Rate of Return (Yacktman) % 11.18
PROV's Forward Rate of Return (Yacktman) % is ranked higher than
50% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. PROV: 11.18 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PROV' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -28.5  Med: 12 Max: 83.2
Current: 11.18
-28.5
83.2

More Statistics

Revenue (TTM) (Mil) $70.95
EPS (TTM) $ 0.87
Beta0.18
Short Percentage of Float0.77%
52-Week Range $16.92 - 20.66
Shares Outstanding (Mil)7.95

Analyst Estimate

Jun17 Jun18
Revenue (Mil $)
EPS ($) 1.16 1.52
EPS without NRI ($) 1.16 1.52
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.52 0.52
» More Articles for PROV

Headlines

Articles On GuruFocus.com
Provident Bank Celebrates 10th Year of Community Partnership Program - Donating Over $480,000 to Loc Apr 13 2017 
Provident Financial Holdings To Host Earnings Release Conference Call Apr 11 2017 
These Dividend Stocks Look Incredibly Cheap Dec 01 2015 
16 Reasonably Priced Dividend Shares with Low Long-Term Debt to Lift Share Buybacks Sep 14 2013 
Stocks With Fastest Dividend Growth August 2011 Aug 20 2011 
Weekly Raised Dividends: PROV, KMI, OKE, ANCX, TMP Jul 25 2011 
13 Dividend Stocks Delivering Good News with Higher Dividends Jul 25 2011 
Dividend Roundup: PROV, UBNK, CMLP, SEP, MWE Jul 22 2011 
13 Dividend Stocks Delivering Good News With Higher Dividends Jul 22 2011 
Provident Financial Holdings Inc. Reports Operating Results (10-Q) Feb 09 2011 

More From Other Websites
Provident Bank Celebrates 10th Year of Community Partnership Program - Donating Over $480,000 to... Apr 13 2017
Provident Financial Holdings To Host Earnings Release Conference Call Apr 11 2017
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Edited Transcript of PROV earnings conference call or presentation 30-Jan-17 5:00pm GMT Jan 30 2017
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Edited Transcript of PROV earnings conference call or presentation 26-Oct-16 4:00pm GMT Oct 26 2016
Provident Financial Holdings, Inc. :PROV-US: Earnings Analysis: Q1, 2017 By the Numbers : October... Oct 26 2016

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