NASDAQ: PROVProvident Financial Holdings Inc Stock
$13.38-0.06 (-0.45%)
Updated Apr 19, 2024
PROV Price
$13.38
Fair Value Price
N/A
Market Cap
$92.68M
52 Week Low
$10.16
52 Week High
$15.40
P/E
11.63x
P/B
0.71x
P/S
2.18x
PEG
3.5x
Dividend Yield
4.19%
Revenue
$40.35M
Earnings
$8.03M
Gross Margin
100%
Operating Margin
28.8%
Profit Margin
19.9%
Debt to Equity
9.04
Operating Cash Flow
$15M
Beta
0.62
Next Earnings
Apr 24, 2024
Ex-Dividend
N/A
Next Dividend
N/A
PROV Overview
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
PROV ($13.38) is trading above its intrinsic value of $7.65, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
PROV is good value based on its earnings relative to its share price (11.63x), compared to the US market average (40.51x)
P/E vs Market Valuation
PROV is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
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PROV News
Valuation
PROV fair value
Fair Value of PROV stock based on Discounted Cash Flow (DCF)
Price
$13.38
Fair Value
$22.27
Undervalued by
39.91%
PROV ($13.38) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
PROV price to earnings (PE)
For valuing profitable companies with steady earnings
Company
11.63x
Industry
-10.33x
Market
40.51x
PROV is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PROV is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
PROV price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.71x
Industry
0.97x
PROV is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
PROV price to earnings growth (PEG)
For valuing profitable companies with growth potential
PROV is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
PROV's financial health
Profit margin
Revenue
$10.4M
Net Income
$2.1M
Profit Margin
20.6%
PROV's Earnings (EBIT) of $11.62M... subscribe to Premium to read more.
Interest Coverage Financials
PROV's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.3B
Liabilities
$1.2B
Debt to equity
9.04
PROV's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
PROV's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$94.0k
Investing
$2.2M
Financing
-$13.4M
PROV's operating cash flow ($14.57M)... subscribe to Premium to read more.
Debt Coverage Financials
PROV vs Bank Stocks
Provident Financial Holdings Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.