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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.23
PROV's Cash to Debt is ranked lower than
80% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. PROV: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
PROV' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.14 Max: N/A
Current: 0.23
Equity to Asset 0.12
PROV's Equity to Asset is ranked higher than
69% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PROV: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
PROV' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.15
Current: 0.12
0.07
0.15
Interest Coverage 1.58
PROV's Interest Coverage is ranked lower than
52% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. PROV: 1.58 )
Ranked among companies with meaningful Interest Coverage only.
PROV' s 10-Year Interest Coverage Range
Min: 0.06  Med: 0.53 Max: 3.95
Current: 1.58
0.06
3.95
F-Score: 3
WACC vs ROIC
2.32%
8.20%
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 (%) 23.01
PROV's Operating margin (%) is ranked lower than
65% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. PROV: 23.01 )
Ranked among companies with meaningful Operating margin (%) only.
PROV' s 10-Year Operating margin (%) Range
Min: -86.65  Med: 33.27 Max: 51.54
Current: 23.01
-86.65
51.54
Net-margin (%) 13.16
PROV's Net-margin (%) is ranked lower than
76% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. PROV: 13.16 )
Ranked among companies with meaningful Net-margin (%) only.
PROV' s 10-Year Net-margin (%) Range
Min: -11.63  Med: 19.21 Max: 29.52
Current: 13.16
-11.63
29.52
ROE (%) 6.47
PROV's ROE (%) is ranked lower than
62% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. PROV: 6.47 )
Ranked among companies with meaningful ROE (%) only.
PROV' s 10-Year ROE (%) Range
Min: -6.23  Med: 8.81 Max: 16.93
Current: 6.47
-6.23
16.93
ROA (%) 0.83
PROV's ROA (%) is ranked higher than
52% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PROV: 0.83 )
Ranked among companies with meaningful ROA (%) only.
PROV' s 10-Year ROA (%) Range
Min: -0.46  Med: 0.81 Max: 2.09
Current: 0.83
-0.46
2.09
ROC (Joel Greenblatt) (%) 271.82
PROV's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. PROV: 271.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PROV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -228.21  Med: 120.15 Max: 642.74
Current: 271.82
-228.21
642.74
Revenue Growth (3Y)(%) -1.70
PROV's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. PROV: -1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PROV' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 7.70 Max: 21.4
Current: -1.7
0
21.4
EBITDA Growth (3Y)(%) -15.40
PROV's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. PROV: -15.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PROV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 22.55 Max: 119.1
Current: -15.4
0
119.1
EPS Growth (3Y)(%) -17.60
PROV's EPS Growth (3Y)(%) is ranked lower than
88% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. PROV: -17.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PROV' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 19.35 Max: 170.7
Current: -17.6
0
170.7
» PROV's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

PROV Guru Trades in Q2 2014

Jim Simons 244,397 sh (-2.63%)
» More
Q3 2014

PROV Guru Trades in Q3 2014

Jim Simons 256,100 sh (+4.79%)
» More
Q4 2014

PROV Guru Trades in Q4 2014

Jim Simons 271,817 sh (+6.14%)
» More
Q1 2015

PROV Guru Trades in Q1 2015

Jim Simons 295,555 sh (+8.73%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 16.70
PROV's P/E(ttm) is ranked lower than
65% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. PROV: 16.70 )
Ranked among companies with meaningful P/E(ttm) only.
PROV' s 10-Year P/E(ttm) Range
Min: 5.08  Med: 11.69 Max: 108.99
Current: 16.7
5.08
108.99
Forward P/E 15.20
PROV's Forward P/E is ranked lower than
76% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. PROV: 15.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.00
PROV's PE(NRI) is ranked lower than
65% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. PROV: 17.00 )
Ranked among companies with meaningful PE(NRI) only.
PROV' s 10-Year PE(NRI) Range
Min: 5.09  Med: 11.69 Max: 107.63
Current: 17
5.09
107.63
P/B 1.03
PROV's P/B is ranked higher than
55% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. PROV: 1.03 )
Ranked among companies with meaningful P/B only.
PROV' s 10-Year P/B Range
Min: 0.22  Med: 0.94 Max: 1.86
Current: 1.03
0.22
1.86
P/S 2.21
PROV's P/S is ranked higher than
68% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. PROV: 2.21 )
Ranked among companies with meaningful P/S only.
PROV' s 10-Year P/S Range
Min: 0.22  Med: 1.75 Max: 3.52
Current: 2.21
0.22
3.52
EV-to-EBIT 15.22
PROV's EV-to-EBIT is ranked lower than
54% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. PROV: 15.22 )
Ranked among companies with meaningful EV-to-EBIT only.
PROV' s 10-Year EV-to-EBIT Range
Min: -89.1  Med: 10.50 Max: 219.4
Current: 15.22
-89.1
219.4
Shiller P/E 16.25
PROV's Shiller P/E is ranked higher than
55% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. PROV: 16.25 )
Ranked among companies with meaningful Shiller P/E only.
PROV' s 10-Year Shiller P/E Range
Min: 1.92  Med: 13.63 Max: 36.63
Current: 16.25
1.92
36.63
Days Sales Outstanding 14.57
PROV's Days Sales Outstanding is ranked higher than
87% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. PROV: 14.57 )
Ranked among companies with meaningful Days Sales Outstanding only.
PROV' s 10-Year Days Sales Outstanding Range
Min: 10.06  Med: 59.62 Max: 1306.56
Current: 14.57
10.06
1306.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.69
PROV's Dividend Yield is ranked higher than
51% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. PROV: 2.69 )
Ranked among companies with meaningful Dividend Yield only.
PROV' s 10-Year Dividend Yield Range
Min: 0.47  Med: 1.94 Max: 10.09
Current: 2.69
0.47
10.09
Dividend Payout 0.43
PROV's Dividend Payout is ranked lower than
66% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. PROV: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
PROV' s 10-Year Dividend Payout Range
Min: 0.03  Med: 0.19 Max: 1.5
Current: 0.43
0.03
1.5
Dividend growth (3y) 115.40
PROV's Dividend growth (3y) is ranked higher than
98% of the 640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. PROV: 115.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
PROV' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -60.80 Max: 115.4
Current: 115.4
0
115.4
Yield on cost (5-Year) 13.37
PROV's Yield on cost (5-Year) is ranked higher than
96% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. PROV: 13.37 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PROV' s 10-Year Yield on cost (5-Year) Range
Min: 2.34  Med: 9.64 Max: 50.13
Current: 13.37
2.34
50.13
Share Buyback Rate 4.00
PROV's Share Buyback Rate is ranked higher than
89% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. PROV: 4.00 )
Ranked among companies with meaningful Share Buyback Rate only.
PROV' s 10-Year Share Buyback Rate Range
Min: 0  Med: 3.60 Max: -22.5
Current: 4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
PROV's Price/Tangible Book is ranked higher than
60% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PROV: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
PROV' s 10-Year Price/Tangible Book Range
Min: 0.24  Med: 0.96 Max: 1.85
Current: 1.03
0.24
1.85
Price/Median PS Value 1.25
PROV's Price/Median PS Value is ranked lower than
69% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. PROV: 1.25 )
Ranked among companies with meaningful Price/Median PS Value only.
PROV' s 10-Year Price/Median PS Value Range
Min: 0.14  Med: 1.24 Max: 2.14
Current: 1.25
0.14
2.14
Price/Graham Number 0.84
PROV's Price/Graham Number is ranked higher than
53% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. PROV: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
PROV' s 10-Year Price/Graham Number Range
Min: 0.37  Med: 0.78 Max: 1.36
Current: 0.84
0.37
1.36
Earnings Yield (Greenblatt) (%) 6.71
PROV's Earnings Yield (Greenblatt) (%) is ranked higher than
52% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. PROV: 6.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PROV' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 6.40 Max: 2697.8
Current: 6.71
0.5
2697.8
Forward Rate of Return (Yacktman) (%) -11.97
PROV's Forward Rate of Return (Yacktman) (%) is ranked lower than
87% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. PROV: -11.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PROV' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -28.5  Med: 15.10 Max: 83.2
Current: -11.97
-28.5
83.2

Analyst Estimate

Jun15 Jun16
EPS($) 1.11 1.13
EPS without NRI($) 1.11 1.13

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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.
» More Articles for PROV

Headlines

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Provident Financial Holdings Inc. Reports Operating Results (10-Q) Feb 09 2011 
Provident Financial Holdings Inc. Reports Operating Results (10-Q) Nov 09 2010 
Provident Financial Holdings Inc. Reports Operating Results (10-K) Sep 13 2010 
Provident Financial Holdings Inc. Reports Operating Results (10-Q) May 10 2010 

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