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XNASPROV
Market cap107mUSD
Jan 08, Last price  
15.84USD
1D
0.25%
1Q
9.24%
Jan 2017
-21.66%
Name

Provident Financial Holdings Inc

Chart & Performance

D1W1MN
XNAS:PROV chart
P/E
14.57
P/S
2.75
EPS
1.09
Div Yield, %
3.63%
Shrs. gr., 5y
-1.74%
Rev. gr., 5y
-5.14%
Revenues
39m
-5.19%
66,931,00070,263,00059,337,00046,647,00063,977,00061,837,00074,106,00079,880,000108,557,00062,398,00073,662,00069,390,00066,559,00058,195,00050,681,00040,921,00035,212,00036,311,00041,060,00038,927,000
Net income
7m
-14.44%
18,699,00020,540,00011,286,000860,000-7,439,0001,115,00013,220,00010,810,00025,797,0006,606,0009,803,0007,714,0005,207,0002,131,0004,417,0007,689,0007,561,0009,093,0008,592,0007,351,000
CFO
6m
-65.18%
-53,214,00059,720,00048,583,00048,052,000-85,783,000969,000-2,414,000-12,324,00055,065,00048,517,000-57,775,00047,735,00082,906,00027,986,000107,091,0007,954,00011,573,00011,793,00016,325,0005,685,000
Dividend
Aug 15, 20240.14 USD/sh
Earnings
Jan 27, 2025

Profile

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.
URL
https://ir.myprovident.com/
IPO date
Jun 28, 1996
Employees
108
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑062023‑062022‑062021‑062020‑062019‑062018‑062017‑062016‑062015‑06
Income
Revenues
38,927
-5.19%
41,060
13.08%
36,311
3.12%
Cost of revenue
19,131
19,016
17,018
Unusual Expense (Income)
NOPBT
19,796
22,044
19,293
NOPBT Margin
50.85%
53.69%
53.13%
Operating Taxes
3,036
3,824
3,765
Tax Rate
15.34%
17.35%
19.51%
NOPAT
16,760
18,220
15,528
Net income
7,351
-14.44%
8,592
-5.51%
9,093
20.26%
Dividends
(3,887)
(3,998)
(4,146)
Dividend yield
4.47%
4.36%
3.75%
Proceeds from repurchase of equity
(2,601)
(4,648)
(4,305)
BB yield
2.99%
5.07%
3.90%
Debt
Debt current
35,832
Long-term debt
93,729
86,299
86,166
Deferred revenue
79,113
(20,222)
Other long-term liabilities
1,049,259
1,118,261
15,886
Net debt
(89,547)
(138,197)
(92,513)
Cash flow
Cash from operating activities
5,685
16,325
11,793
CAPEX
(1,589)
(741)
(165)
Cash from investing activities
45,062
(109,896)
(51,746)
Cash from financing activities
(65,220)
136,006
(6,903)
FCF
12,391
38,729
2,674
Balance
Cash
51,376
68,004
26,090
Long term investments
131,900
156,492
188,421
Excess cash
181,330
222,443
212,695
Stockholders' equity
210,094
207,419
202,865
Invested Capital
1,090,870
1,119,642
997,785
ROIC
1.52%
1.72%
1.57%
ROCE
1.56%
1.65%
1.60%
EV
Common stock shares outstanding
6,959
7,192
7,449
Price
12.50
-1.96%
12.75
-14.03%
14.83
-14.13%
Market cap
86,989
-5.13%
91,694
-17.00%
110,469
-15.15%
EV
(2,558)
(46,503)
17,956
EBITDA
22,951
25,232
24,142
EV/EBITDA
0.74
Interest
19,807
9,007
3,135
Interest/NOPBT
100.06%
40.86%
16.25%