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NASDAQ: PROV
Provident Financial Holdings Inc Stock

Overview
EarningsDividendOwnership
$12.11+0.21 (+1.76%)
Updated Jun 2, 2023
PROV Price
$12.11
Fair Value Price
$15.54
Market Cap
$85.04M
52 Week Low
$11.61
52 Week High
$15.18
P/E
9.39x
P/B
0.66x
P/S
2.4x
PEG
0.31x
Dividend Yield
4.62%
Revenue
$40.34M
Earnings
$9.25M
Gross Margin
100%
Operating Margin
32.8%
Profit Margin
22.9%
Debt to Equity
9.32
Operating Cash Flow
$16M
Beta
0.63
Next Earnings
Jul 24, 2023
Ex-Dividend
May 17, 2023
Next Dividend
Jun 8, 2023

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 (38)
You've viewed Zen Score for 10/10 free stocks. Upgrade to Premium to see how PROV scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

PROV ($12.11) is undervalued by 22.09% relative to our estimate of its Fair Value price of $15.54 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
PROV ($12.11) is significantly undervalued by 22.09% relative to our estimate of its Fair Value price of $15.54 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
PROV ($12.11) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more PROV due diligence checks available for Premium users.

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PROV News

Valuation

PROV fair value

Fair Value of PROV stock based on Discounted Cash Flow (DCF)
Price
$12.11
Fair Value
$15.54
Undervalued by
22.09%
PROV ($12.11) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PROV ($12.11) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PROV ($12.11) is trading below... 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
9.39x
Industry
19.88x
Market
52.74x
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
0.66x
Industry
0.91x
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 good value based... subscribe to Premium to read more.
PEG Value Valuation

PROV's financial health

Profit margin

Revenue
$10.2M
Net Income
$2.3M
Profit Margin
22.7%
PROV's Earnings (EBIT) of $13.23M... 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
9.32
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
$6.6M
Investing
-$31.1M
Financing
$60.4M
PROV's operating cash flow ($16.28M)... subscribe to Premium to read more.
Debt Coverage Financials

PROV vs Bank Stocks

TickerMarket Cap1d %P/EP/B
PROV$85.04M+1.76%9.39x0.66x
FCAP$84.45M-0.24%6.38x0.90x
SBFG$86.66M+0.08%7.20x0.72x
OPOF$83.03M+6.37%8.18x0.81x
LNKB$82.77M+3.87%22.17x0.58x
View Top Bank Stocks

Provident Financial Holdings Stock FAQ

What is Provident Financial Holdings's quote symbol?

(NASDAQ: PROV) Provident Financial Holdings trades on the NASDAQ under the ticker symbol PROV. Provident Financial Holdings stock quotes can also be displayed as NASDAQ: PROV.

If you're new to stock investing, here's how to buy Provident Financial Holdings stock.

What is the 52 week high and low for Provident Financial Holdings (NASDAQ: PROV)?

(NASDAQ: PROV) Provident Financial Holdings's 52-week high was $15.18, and its 52-week low was $11.61. It is currently -20.22% from its 52-week high and 4.31% from its 52-week low.

How much is Provident Financial Holdings stock worth today?

(NASDAQ: PROV) Provident Financial Holdings currently has 7,022,658 outstanding shares. With Provident Financial Holdings stock trading at $12.11 per share, the total value of Provident Financial Holdings stock (market capitalization) is $85.04M.

Provident Financial Holdings stock was originally listed at a price of $9.72 in Dec 31, 1997. If you had invested in Provident Financial Holdings stock at $9.72, your return over the last 25 years would have been 24.54%, for an annualized return of 0.88% (not including any dividends or dividend reinvestments).

How much is Provident Financial Holdings's stock price per share?

(NASDAQ: PROV) Provident Financial Holdings stock price per share is $12.11 today (as of Jun 2, 2023).

What is Provident Financial Holdings's Market Cap?

(NASDAQ: PROV) Provident Financial Holdings's market cap is $85.04M, as of Jun 3, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Provident Financial Holdings's market cap is calculated by multiplying PROV's current stock price of $12.11 by PROV's total outstanding shares of 7,022,658.
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