Provident Financial Hldgs (PROV) — Analysis Summary
Provident Financial Hldgs (PROV) has a market cap of $114.95M with year-over-year revenue growth of +1.6%. Net margin stands at 17.6%. The stock trades at a P/E ratio of 18.9.
Key Takeaways
- Revenue changed +1.6% year-over-year
- Net margin of 17.6%
- P/E ratio of 18.9
Compared to other companies in the SAVINGS INSTITUTION, FEDERALLY CHARTERED sector, PROV posted revenue growth of +1.6% and trades at a P/E of 18.9.
Provident Financial Hldgs (PROV)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 9.5x — highly leveraged, potential refinancing risk
Interest coverage at 0.0x — earnings do not cover interest payments
Provident Financial Holdings Inc is a holding company of Provident Savings Bank, F.S.B. It is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its business activities consist of community banking, investment services and trustee services for real estate transactions. The group operates in Bank segment that include attracting deposits, offering banking services and originating and purchasing single-family, multi-family, commercial real estate, construction and, to a lesser extent, other mortgage, commercial business and consumer loans. Its evenues are derived from interest earned on its loan and investment portfolios, and fees generated through its community banking activities.
Sector
SAVINGS INSTITUTION, FEDERALLY CHARTERED
Employees
163
Headquarters
RIVERSIDE, CA
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$0.56
Dividend Yield
3.05%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.