NAS:PROV (USA)

Provident Financial Holdings Inc

$ 21.4 0.1 (0.47%)
Volume: 5,217 Avg Vol (1m): 21,888
Market Cap $: 160.44 Mil Enterprise Value $: 193.81 Mil
P/E (TTM): 32.47 P/B: 1.30
Earnings Power Value -5.43
Net Current Asset Value 0
Tangible Book 16.15
Projected FCF 53.77
Median P/S Value 14.11
Graham Number 15.48
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3.4/10

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.
Current vs industry vs history
Cash-to-Debt 0.61
Cash-To-Debt range over the past 10 years
Min: 0.02, Med: 0.23, Max: 3.76
Current: 0.61
0.02
3.76
Equity-to-Asset 0.11
Equity-to-Asset range over the past 10 years
Min: 0.07, Med: 0.1, Max: 0.15
Current: 0.11
0.07
0.15
Debt-to-Equity 0.83
Debt-to-Equity range over the past 10 years
Min: 0.08, Med: 1.98, Max: 5.15
Current: 0.83
0.08
5.15
Debt-to-EBITDA 1.88
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 1.88
Current: 1.88
0
1.88
Beneish M-Score -2.63
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 4.88%

Profitability & Growth : 2/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 9.33
Net Margin range over the past 10 years
Min: -11.63, Med: 10.68, Max: 23.76
Current: 9.33
-11.63
23.76
ROE % 4.15
ROE range over the past 10 years
Min: -6.23, Med: 4.88, Max: 16.93
Current: 4.15
-6.23
16.93
ROA % 0.44
ROA range over the past 10 years
Min: -0.46, Med: 0.61, Max: 2.09
Current: 0.44
-0.46
2.09
3-Year Total Revenue Growth Rate -7.60
3-Year Revenue Growth Rate range over the past 10 years
Min: -11.8, Med: 4.4, Max: 65.9
Current: -2
-11.8
65.9
3-Year EPS w/o NRI Growth Rate -36.00
N/A

» PROV's 30-Y Financials

Financials (Next Earnings Date: 2019-07-31)

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Business Description

Industry Banks » Banks    NAICS : 522120    SIC : 6035
Compare OTCPK:NWIN PHS:PBB NAS:PBIP NAS:FCAP NAS:MLVF NAS:ESSA OSL:SADG NAS:FNWB NAS:SIFI NAS:OFED NAS:HFBC NAS:RVSB MAL:LOM NAS:ICBK NAS:HMNF AMEX:BKJ OTCPK:SFDL OTCPK:BHWB NAS:LSBK NAS:PBSK
Traded in other countries
Address 3756 Central Avenue, Riverside, CA, USA, 92506
Provident Financial Holdings Inc is engaged in providing community and mortgage banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Business activity of the group is operated through Provident Bank and Provident Bank Mortgage segment. The bank's activities include attracting deposits, offering banking services and originating multi-family, commercial real estate, construction and, to a lesser extent, commercial business and consumer loans. It offers business checking accounts, other business banking services and services loans for others.

Ratios

Current vs industry vs history
PE Ratio (TTM) 32.47
PE Ratio range over the past 10 years
Min: 4.62, Med: 17.31, Max: 147.69
Current: 32.47
4.62
147.69
Forward PE Ratio 12.17
N/A
PE Ratio without NRI 32.47
PE without NRI range over the past 10 years
Min: 4.62, Med: 17.31, Max: 147.69
Current: 32.47
4.62
147.69
Price-to-Owner-Earnings 26.05
Price-to-Owner-Earnings range over the past 10 years
Min: 4.74, Med: 12.19, Max: 33.39
Current: 26.05
4.74
33.39
PB Ratio 1.30
PB Ratio range over the past 10 years
Min: 0.22, Med: 0.99, Max: 1.33
Current: 1.3
0.22
1.33
PS Ratio 3.00
PS Ratio range over the past 10 years
Min: 0.22, Med: 1.98, Max: 3.07
Current: 3
0.22
3.07
Price-to-Free-Cash-Flow 2.42
Price-to-Free-Cash-Flow range over the past 10 years
Min: 0.93, Med: 3.13, Max: 74.19
Current: 2.42
0.93
74.19
Price-to-Operating-Cash-Flow 2.41
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 0.93, Med: 3.05, Max: 36.5
Current: 2.41
0.93
36.5
EV-to-Revenue 3.60
EV-to-Revenue range over the past 10 years
Min: -0.3, Med: 2.7, Max: 10.8
Current: 3.6
-0.3
10.8
Shiller PE Ratio 22.49
Shiller PE Ratio range over the past 10 years
Min: 1.7, Med: 11.57, Max: 29.54
Current: 22.49
1.7
29.54

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.62
Trailing Dividend Yield range over the past 10 years
Min: 0.47, Med: 2.58, Max: 9.92
Current: 2.62
0.47
9.92
Dividend Payout Ratio 0.84
Dividend Payout Ratio range over the past 10 years
Min: 0.03, Med: 0.42, Max: 2
Current: 0.84
0.03
2
3-Year Dividend Growth Rate (Per Share) 7.60
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: -19.65, Max: 115.4
Current: 7.6
0
115.4
Forward Dividend Yield % 2.62
N/A
Yield-on-Cost (5-Year) % 5.41
Yield-on-Cost (5y) range over the past 10 years
Min: 0.97, Med: 5.35, Max: 20.57
Current: 5.41
0.97
20.57
3-Year Share Buyback Rate 4.90
3-Year Share Buyback Rate range over the past 10 years
Min: -22.5, Med: 5.2, Max: 8.4
Current: 4.9
-22.5
8.4

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.33
Price-to-Tangible-Book range over the past 10 years
Min: 0.24, Med: 1.02, Max: 1.81
Current: 1.33
0.24
1.81
Price-to-Projected-FCF 0.40
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.09, Med: 0.83, Max: 270.36
Current: 0.4
0.09
270.36
Price-to-Median-PS-Value 1.52
Price-to-Median-PS-Value range over the past 10 years
Min: 0.13, Med: 1.12, Max: 1.94
Current: 1.52
0.13
1.94
Price-to-Graham-Number 1.38
Price-to-Graham-Number range over the past 10 years
Min: 0.33, Med: 0.84, Max: 2.68
Current: 1.38
0.33
2.68

More Statistics

Revenue (TTM) (Mil) $ 53.9
EPS (TTM) $ 0.66
Beta 0.77
Volatility % 27.08
52-Week Range $ 14.67 - 21.81
Shares Outstanding (Mil) 7.5

Analyst Estimate

Piotroski F-Score Details