PROVIDENT FINANCIAL HLDGS(NASDAQ:PROV) stock Fundamental Analysis

Fundamental Rating

Overall PROV gets a fundamental rating of 4 out of 10. We evaluated PROV against 405 industry peers in the Banks industry. While PROV seems to be doing ok healthwise, there are quite some concerns on its profitability. PROV is valied quite expensively at the moment, while it does show a decent growth rate.

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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.

PROV had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of PROV (0.50%) is worse than 73.43% of its industry peers.

With a Return On Equity value of 4.84%, PROV is not doing good in the industry: 74.94% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.5%
ROE	4.84%
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

PROV has a worse Profit Margin (16.18%) than 73.43% 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)	16.18%
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.

PROV has less shares outstanding than it did 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

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

ROIC/WACCN/A

WACC7.87%

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 strongly by -20.87% in the last year.

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 -4.58% in the last year.

PROV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.18% yearly.

EPS 1Y (TTM)-20.87%

EPS 3Y1.62%

EPS 5Y12.82%

EPS Q2Q%-58.06%

Revenue 1Y (TTM)-4.58%

Revenue growth 3Y3.36%

Revenue growth 5Y-5.18%

Sales Q2Q%-0.47%

3.2 Future

The Earnings Per Share is expected to grow by 17.71% on average over the next years. This is quite good.

The Revenue is expected to grow by 5.72% on average over the next years.

EPS Next Y4.89%

EPS Next 2Y17.71%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year1.72%

Revenue Next 2Y5.72%

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 accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 17.13 indicates a rather expensive valuation of PROV.

Based on the Price/Earnings ratio, PROV is valued a bit more expensive than 72.68% of the companies in the same industry.

When comparing the Price/Earnings ratio of PROV to the average of the S&P500 Index (29.63), we can say PROV is valued slightly cheaper.

PROV is valuated reasonably with a Price/Forward Earnings ratio of 10.61.

Based on the Price/Forward Earnings ratio, PROV is valued a bit cheaper than the industry average as 62.91% of the companies are valued more expensively.

PROV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.

		Industry Rank	Sector Rank
PE	17.13
Fwd PE	10.61

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PROV indicates a slightly more expensive valuation: PROV is more expensive than 71.68% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	23.53
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PROV does not grow enough to justify the current Price/Earnings ratio.

A more expensive valuation may be justified as PROV's earnings are expected to grow with 17.71% in the coming years.

PEG (NY)3.51

PEG (5Y)1.34

EPS Next 2Y17.71%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PROV has a Yearly Dividend Yield of 3.61%.

Compared to an average industry Dividend Yield of 3.18, 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 2.27.

		Industry Rank	Sector Rank
Dividend Yield	3.61%

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

61.69% of the earnings are spent on dividend by PROV. This is not a sustainable payout ratio.

DP61.69%

EPS Next 2Y17.71%

EPS Next 3YN/A

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PROVIDENT FINANCIAL HLDGS

NASDAQ:PROV (2/21/2025, 8:00:01 PM)

15.59

+0.08 (+0.52%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/bmo

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

Inst Owners48.48%

Inst Owner Change-100%

Ins Owners10.5%

Ins Owner Change0.51%

Market Cap104.30M

Analysts45.71

Price Target16.58 (6.35%)

Short Float %0.44%

Short Ratio3.3

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.61%

Yearly Dividend0.56

Dividend Growth(5Y)-0.09%

DP61.69%

Div Incr Years0

Div Non Decr Years14

Ex-Date02-13 2025-02-13 (0.14)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-22%

Min EPS beat(2)-56.05%

Max EPS beat(2)12.04%

EPS beat(4)2

Avg EPS beat(4)-8.22%

Min EPS beat(4)-56.05%

Max EPS beat(4)19.35%

EPS beat(8)4

Avg EPS beat(8)-5.78%

EPS beat(12)5

Avg EPS beat(12)-1.48%

EPS beat(16)9

Avg EPS beat(16)12.52%

Revenue beat(2)0

Avg Revenue beat(2)-2.41%

Min Revenue beat(2)-3.33%

Max Revenue beat(2)-1.49%

Revenue beat(4)1

Avg Revenue beat(4)-1.73%

Min Revenue beat(4)-5.22%

Max Revenue beat(4)3.11%

Revenue beat(8)2

Avg Revenue beat(8)-2.72%

Revenue beat(12)3

Avg Revenue beat(12)-2.05%

Revenue beat(16)5

Avg Revenue beat(16)-2.1%

PT rev (1m)-2.99%

PT rev (3m)4.84%

EPS NQ rev (1m)-6.45%

EPS NQ rev (3m)-4.92%

EPS NY rev (1m)-11.38%

EPS NY rev (3m)-11.38%

Revenue NQ rev (1m)-1.7%

Revenue NQ rev (3m)-2.67%

Revenue NY rev (1m)-1.31%

Revenue NY rev (3m)-1.31%

Valuation

		Industry Rank	Sector Rank
PE	17.13
Fwd PE	10.61
P/S	2.71
P/FCF	23.53
P/OCF	20.41
P/B	0.81
P/tB	0.81
EV/EBITDA	N/A

EPS(TTM)0.91

EY5.84%

EPS(NY)1.47

Fwd EY9.42%

FCF(TTM)0.66

FCFY4.25%

OCF(TTM)0.76

OCFY4.9%

SpS5.75

BVpS19.23

TBVpS19.23

PEG (NY)3.51

PEG (5Y)1.34

Profitability

		Industry Rank	Sector Rank
ROA	0.5%
ROE	4.84%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.18%
GM	N/A
FCFM	11.53%

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
Debt/EBITDA	N/A
Cap/Depr	19.64%
Cap/Sales	1.76%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	71.27%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC7.87%

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)-20.87%

EPS 3Y1.62%

EPS 5Y12.82%

EPS Q2Q%-58.06%

EPS Next Y4.89%

EPS Next 2Y17.71%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.58%

Revenue growth 3Y3.36%

Revenue growth 5Y-5.18%

Sales Q2Q%-0.47%

Revenue Next Year1.72%

Revenue Next 2Y5.72%

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-57.78%

FCF growth 3Y-28.91%

FCF growth 5Y-47.9%

OCF growth 1Y-54.78%

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