A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
PROVIDENT FINANCIAL HOLDINGS INC
PROV
$116M
Mkt Cap
$17.22
+0.06%
PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a current P/E ratio of 17.4, compared to its historical median P/E of 14.4. The stock is currently considered Fair based on its historical valuation range.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a 5-year average return on invested capital (ROIC) of 6.1%. This is below average and may indicate limited pricing power.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a market capitalization of $109M. It is classified as a small-cap stock.
Yes, PROVIDENT FINANCIAL HOLDINGS INC (PROV) pays a dividend with a trailing twelve-month yield of 3.34%. The company also returns capital through share buybacks, with a buyback yield of 4.82%.
Based on historical P/E analysis, PROVIDENT FINANCIAL HOLDINGS INC (PROV) appears fair. The current P/E of 17.4 is 21% above its historical median of 14.4. The estimated fair value CAGR (P/E method) is 7.6%.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Provident Financial Holdings, Inc. (the “Corporation”), 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”) upon the Bank’s conversion from a federal mutual to a federal stock savings bank (“Conversion”). The Conversion was completed on June 27, 1996. The Corporation is regulated by the Board of Governors of the Federal Reserve System (“Federal Reserve”). At June 30, 2025, the Corporation had consolidated total assets of $1.25 billion, total deposits of $888.8 million and stockholders’ equity of $128.5 million. The Corporation has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Annual Report on Form 10-K (“Form 10-K”), including the audited consolidated financial statements and related data, relates primarily to the Bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 39M | 60M | 59M | 50M | 39M | 40M |
| Net Income | 6.1M | 6.3M | 7.4M | 8.6M | 9.1M | 7.6M |
| EPS | $0.94 | $0.93 | $1.06 | $1.19 | $1.22 | $1.00 |
| Free Cash Flow | 7.4M | 8.2M | 4.1M | 16M | 12M | 11M |
| ROIC | 3.1% | 4.8% | 5.7% | 6.7% | 7.1% | 6.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.56 | 8.69 | 8.79 | 9.28 | 8.23 | 8.30 |
| Dividends/Share | $0.58 | $0.56 | $0.56 | $0.56 | $0.56 | $0.56 |
| Operating Income | 469K | 735K | 1.1M | 840K | 719K | 551K |
| Operating Margin | 1.2% | 1.2% | 1.8% | 1.7% | 1.8% | 1.4% |
| ROE | 4.8% | 4.8% | 5.7% | 6.7% | 7.1% | 6.0% |
| Shares Outstanding | 6M | 7M | 7M | 7M | 7M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 70M | 80M | 76M | 73M | 65M | 57M | 47M | 40M | 39M | 50M | 59M | 60M | 39M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 38M | 42M | 43M | 42M | 35M | 30M | 19M | 15M | 16M | 18M | 18M | 19M | 658K |
| EBIT | 942K | 992K | 800K | 802K | 944K | 829K | 637K | 551K | 719K | 840K | 1.1M | 735K | 469K |
| Op. Margin | 1.4% | 1.2% | 1.0% | 1.1% | 1.5% | 1.5% | 1.4% | 1.4% | 1.8% | 1.7% | 1.8% | 1.2% | 1.2% |
| Net Income | 6.6M | 9.8M | 7.5M | 5.2M | 2.1M | 4.4M | 7.7M | 7.6M | 9.1M | 8.6M | 7.4M | 6.3M | 6.1M |
| Net Margin | 9.5% | 12.2% | 9.8% | 7.1% | 3.3% | 7.8% | 16.4% | 19.0% | 23.1% | 17.2% | 12.5% | 10.4% | 15.5% |
| Non-Recurring | 18K | 282K | -95K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 4.3% | 6.8% | 5.4% | 4.0% | 1.7% | 3.7% | 6.3% | 6.0% | 7.1% | 6.7% | 5.7% | 4.8% | 3.1% |
| ROE | 4.3% | 6.8% | 5.4% | 4.0% | 1.7% | 3.7% | 6.3% | 6.0% | 7.1% | 6.7% | 5.7% | 4.8% | 4.8% |
| ROA | 0.6% | 0.9% | 0.6% | 0.4% | 0.2% | 0.4% | 0.7% | 0.6% | 0.8% | 0.7% | 0.6% | 0.5% | 0.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 49M | -58M | 48M | 83M | 28M | 107M | 8.0M | 12M | 12M | 16M | 5.7M | 8.7M | 8.1M |
| Free Cash Flow | 48M | -58M | 46M | 82M | 25M | 107M | 7.7M | 11M | 12M | 16M | 4.1M | 8.2M | 7.4M |
| Owner Earnings | 47M | -61M | 46M | 81M | 26M | 105M | 5.5M | 8.7M | 9.5M | 14M | 3.8M | 6.5M | 5.5M |
| CapEx | 715K | 376K | 1.5M | 1.5M | 2.9M | 449K | 229K | 225K | 165K | 741K | 1.6M | 530K | 689K |
| Maint. CapEx | 1.0M | 1.3M | 891K | 891K | 845K | 881K | 1.5M | 1.6M | 1.5M | 1.4M | 1.6M | 1.6M | 2.1M |
| Growth CapEx | 0 | 0 | 626K | 600K | 2.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 1.0M | 1.3M | 891K | 891K | 845K | 881K | 1.5M | 1.6M | 1.5M | 1.4M | 1.6M | 1.6M | 2.1M |
| CapEx/OCF | 1.5% | N/A | 3.2% | 1.8% | 10.4% | 0.4% | 2.9% | 1.9% | 1.4% | 4.5% | 28.0% | 6.1% | 8.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.0M | 4.1M | 4.0M | 4.1M | 4.2M | 4.2M | 4.2M | 4.2M | 4.1M | 4.0M | 3.9M | 3.8M | 3.6M |
| Dividend Yield | 3.7% | 4.1% | 3.8% | 3.6% | 3.9% | 3.8% | 3.7% | 4.5% | 4.0% | 4.5% | 4.6% | 3.9% | 3.3% |
| Share Buybacks | 17M | 13M | 13M | 8.7M | 7.3M | 1.4M | 1.3M | 2.3M | 4.3M | 4.6M | 2.6M | 4.4M | 5.2M |
| Buyback Yield | 17.7% | 11.5% | 12.2% | 7.4% | 6.6% | 1.1% | 1.7% | 2.1% | 4.6% | 5.6% | 3.2% | 4.3% | 4.8% |
| Stock-Based Comp | 526K | 1.5M | 1.1M | 1.5M | 1.1M | 869K | 954K | 1.3M | 798K | 1.2M | 240K | 543K | 490K |
| Debt Repayment | 65M | 64K | 68K | 73K | 10M | 10M | 67K | 35M | 21M | 30M | 30M | 78M | 78M |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14M |
| Cash & Equiv. | 119M | 81M | 51M | 73M | 43M | 71M | 116M | 70M | 23M | 66M | 51M | 53M | 57M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 69M |
| Debt/Equity | 6.58 | 7.32 | 7.78 | 8.36 | 8.76 | 7.99 | 8.49 | 8.30 | 8.23 | 9.28 | 8.79 | 8.69 | 0.56 |
| Interest Coverage | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.3 | 0.1 | 0.1 | 469.0 |
| Equity | 146M | 141M | 133M | 128M | 120M | 121M | 124M | 127M | 129M | 130M | 130M | 129M | 127M |
| Total Assets | 1.1B | 1.2B | 1.2B | 1.2B | 1.2B | 1.1B | 1.2B | 1.2B | 1.2B | 1.3B | 1.3B | 1.2B | 1.2B |
| Total Liabilities | 960M | 1.0B | 1.0B | 1.1B | 1.1B | 964M | 1.1B | 1.1B | 1.1B | 1.2B | 1.1B | 1.1B | 1.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 182M | 188M | 192M | 193M | 191M | 191M | 194M | 198M | 203M | 207M | 210M | 212M | 214M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | 20M | 18M | 20M | 20M | 21M | 22M | 19M | 17M | 18M | 18M | 15M | 15M | 15M |
| Per Share Data | |||||||||||||
| EPS | 0.65 | 1.07 | 0.88 | 0.64 | 0.28 | 0.58 | 1.01 | 1.00 | 1.22 | 1.19 | 1.06 | 0.93 | 0.94 |
| Owner EPS | 4.62 | -6.61 | 5.39 | 9.96 | 3.43 | 13.83 | 0.72 | 1.15 | 1.27 | 1.90 | 0.55 | 0.97 | 0.88 |
| Book Value | 14.35 | 15.41 | 15.71 | 15.76 | 15.83 | 15.84 | 16.29 | 16.83 | 17.26 | 17.96 | 18.74 | 19.11 | 20.02 |
| Cash Flow/Share | 4.77 | -6.31 | 5.63 | 10.26 | 3.68 | 14.06 | 1.04 | 1.53 | 1.58 | 2.26 | 0.82 | 1.29 | 1.29 |
| Dividends/Share | 0.40 | 0.45 | 0.48 | 0.52 | 0.56 | 0.56 | 0.56 | 0.56 | 0.56 | 0.56 | 0.56 | 0.56 | 0.58 |
| Shares Out. | 10.2M | 9.2M | 8.5M | 8.1M | 7.6M | 7.6M | 7.6M | 7.6M | 7.5M | 7.2M | 6.9M | 6.7M | 6.3M |
| Valuation | |||||||||||||
| P/E Ratio | 14.7 | 11.2 | 14.3 | 22.6 | 52.6 | 28.4 | 10.1 | 14.6 | 10.4 | 9.7 | 11.2 | 16.6 | 18.3 |
| P/FCF | 2.0 | N/A | 2.3 | 1.4 | 4.5 | 1.2 | 10.0 | 9.7 | 8.1 | 5.4 | 20.0 | 12.7 | 14.7 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 261.7 |
| Price/Book | 0.7 | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 | 0.6 | 0.9 | 0.7 | 0.6 | 0.6 | 0.8 | 0.9 |
| Price/Sales | 1.7 | 1.3 | 1.5 | 1.7 | 1.8 | 2.2 | 2.8 | 2.6 | 2.9 | 2.2 | 2.2 | 2.5 | 2.8 |
| FCF Yield | 49.4% | -52.9% | 43.3% | 69.7% | 22.4% | 85.1% | 10.0% | 10.3% | 12.3% | 18.6% | 5.0% | 7.9% | 6.8% |
| Market Cap | 97M | 110M | 107M | 118M | 112M | 125M | 77M | 110M | 95M | 84M | 82M | 104M | 109M |
| Avg. Price | 10.47 | 10.70 | 12.32 | 14.00 | 14.09 | 14.38 | 14.88 | 12.28 | 14.03 | 12.32 | 12.07 | 14.28 | 17.22 |
| Year-End Price | 9.53 | 12.01 | 12.58 | 14.44 | 14.73 | 16.46 | 10.17 | 14.56 | 12.69 | 11.57 | 11.82 | 15.44 | 17.22 |
PROVIDENT FINANCIAL HOLDINGS INC passes 1 of 9 quality checks, indicating weak fundamentals.
PROVIDENT FINANCIAL HOLDINGS INC trades at 17.4x trailing earnings, compared to its 15-year median P/E of 14.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.3x vs a median of 6.7x. The company's 5-year average ROIC is 6.1%. Total shareholder yield (dividends + buybacks) is 8.2%. At current prices, the estimated annualized return to fair value is -20.6%.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) reported annual revenue of $60 million in its most recent fiscal year, based on SEC EDGAR filings.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a net profit margin of 10.4%. This is a healthy margin.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) generated $8 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a debt-to-equity ratio of 8.69. This indicates higher leverage, which may increase financial risk.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) reported earnings per share (EPS) of $0.93 in its most recent fiscal year.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a return on equity (ROE) of 4.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for PROVIDENT FINANCIAL HOLDINGS INC (PROV), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PROVIDENT FINANCIAL HOLDINGS INC (PROV) has a book value per share of $19.11, based on its most recent annual SEC filing.