PROV - Provident Financial Holdings Inc Stock Price, Fair Value and News

13.00USD+0.01 (+0.08%)Market Closed

Market Summary

USD13.00+0.01

Market Closed

0.08%

PROV Stock Price

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PROV RSI Chart

PROV Valuation

Market Cap

90.0M

Price/Earnings (Trailing)

11.21

Price/Sales (Trailing)

1.73

EV/EBITDA

0.84

Price/Free Cashflow

6.77

PROV Price/Sales (Trailing)

PROV Profitability

EBT Margin

22.38%

Return on Equity

6.2%

Return on Assets

0.62%

Free Cashflow Yield

14.78%

PROV Fundamentals

PROV Revenue

Revenue (TTM)

51.9M

Rev. Growth (Yr)

22.33%

Rev. Growth (Qtr)

2.42%

PROV Earnings

Earnings (TTM)

8.0M

Earnings Growth (Yr)

-9.7%

Earnings Growth (Qtr)

21.51%

Breaking Down PROV Revenue

Last 7 days

-2.7%

Last 30 days

-4.9%

Last 90 days

-10.3%

Trailing 12 Months

0.2%

How does PROV drawdown profile look like?

PROV Financial Health

PROV Investor Care

Dividend Yield

4.31%

Dividend/Share (TTM)

0.56

Buy Backs (1Y)

2.40%

Diluted EPS (TTM)

1.14

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	42.3M	46.0M	49.4M	51.9M
2022	33.9M	34.7M	35.9M	38.5M
2021	36.6M	35.2M	34.4M	34.0M
2020	43.5M	42.5M	40.9M	38.6M
2019	44.5M	44.4M	44.5M	44.2M
2018	42.3M	42.7M	43.0M	44.0M
2017	42.5M	42.4M	42.4M	41.9M
2016	39.4M	39.5M	40.4M	41.8M
2015	39.4M	40.4M	41.1M	41.0M
2014	39.7M	31.7M	32.6M	35.0M
2013	73.6M	75.2M	61.2M	48.3M
2012	41.5M	43.1M	56.8M	69.5M
2011	44.8M	36.4M	38.1M	39.8M
2010	0	70.2M	61.7M	53.3M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Provident Financial Holdings Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Dec 14, 2023	webb matthew	acquired	-	-	1,000	-
Dec 14, 2023	hawley brian	acquired	-	-	1,000	-
Aug 12, 2022	ritter robert scott	acquired	-	-	3,350	senior vice president
Aug 12, 2022	ternes donavon p	acquired	-	-	7,500	president, coo, & cfo
Aug 12, 2022	weiant david	acquired	-	-	3,350	senior vice president
Aug 12, 2022	wertz gwendolyn	acquired	-	-	3,350	senior vice president
Aug 12, 2022	brunner-salter lilian	acquired	-	-	3,350	senior vice president
Aug 12, 2022	blunden craig g	acquired	-	-	7,500	chairman and ceo
Dec 16, 2021	michalak kathy	acquired	-	-	1,000	-
Mar 11, 2021	taylor roy	sold	-68,000	17.00	-4,000	-

Which funds bought or sold PROV recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 19, 2024	VALLEY NATIONAL ADVISERS INC	unchanged	-	1,000	16,000	-%
Apr 18, 2024	Talbot Financial, LLC	reduced	-11.37	-46,515	734,094	0.10%
Mar 11, 2024	VANGUARD GROUP INC	added	0.07	-133,151	3,566,780	-%
Feb 14, 2024	Black Maple Capital Management LP	unchanged	-	-6,969	183,085	0.15%
Feb 14, 2024	Royal Bank of Canada	unchanged	-	-8,000	195,000	-%
Feb 14, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.88	-7,664	853,357	0.02%
Feb 14, 2024	RAFFLES ASSOCIATES LP	unchanged	-	-187,847	4,934,910	6.24%
Feb 14, 2024	MILLENNIUM MANAGEMENT LLC	sold off	-100	-395,331	-	-%
Feb 14, 2024	CONTINENTAL ADVISORS LLC	reduced	-2.19	-51,618	841,251	0.33%

Are Funds Buying or Selling PROV?

Are funds buying PROV calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PROV

No. of Funds

Unveiling Provident Financial Holdings Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	m3 partners lp	9.3%	644,426	SC 13G/A
Feb 14, 2024	raffles associates lp	5.6%	391,349	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	7.1%	497,958	SC 13G/A
Jan 26, 2024	provident financial holdings inc	9.8%	681,760	SC 13G/A
Feb 15, 2023	raffles associates lp	5.3%	381,349	SC 13G
Feb 10, 2023	m3 partners lp	9.89%	705,102	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	7.4%	534,062	SC 13G/A
Jan 30, 2023	provident financial holdings inc	9.7%	688,888	SC 13G/A
Feb 14, 2022	m3 partners lp	8.28%	616,917	SC 13G/A
Feb 14, 2022	ameriprise financial inc	4.79%	356,842	SC 13G/A

Recent SEC filings of Provident Financial Holdings Inc

View All Filings

Date Filed	Form Type	Document
Feb 23, 2024	8-K/A	Current Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 09, 2024	SC 13G/A	Major Ownership Report
Feb 08, 2024	10-Q	Quarterly Report
Jan 29, 2024	8-K	Current Report
Jan 26, 2024	SC 13G/A	Major Ownership Report
Jan 26, 2024	8-K	Current Report

Peers (Alternatives to Provident Financial Holdings Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	556.1B	171.1B	-0.89%	40.25%	11.22	3.25	60.72%	31.52%
BAC	301.8B	130.3B	3.99%	32.91%	11.38	2.32	79.51%	-3.68%
WFC	216.8B	85.7B	6.82%	49.45%	11.33	2.53	41.49%	39.96%
C	119.4B	133.3B	2.49%	30.42%	12.94	0.9	79.09%	-
CFG	16.3B	10.2B	0.65%	23.03%	10.13	1.6	44.53%	-22.43%
KEY	13.9B	7.9B	-1.71%	42.46%	14.42	1.76	46.47%	-49.56%
MID-CAP
CMA	7.0B	4.2B	1.67%	30.02%	7.96	1.68	56.25%	-23.46%
ZION	6.2B	3.9B	2.80%	57.76%	9.19	1.58	45.91%	-25.03%
ABCB	3.3B	1.3B	2.99%	50.41%	12.38	2.6	43.24%	-22.35%
ASB	3.2B	2.0B	3.49%	25.83%	17.62	1.65	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	414.5M	164.9M	-2.10%	42.66%	35.44	2.51	42.66%	-70.76%
AROW	380.2M	162.6M	-5.51%	7.64%	12.64	2.34	25.39%	-38.37%
ACNB	284.2M	96.6M	-4.81%	8.26%	8.97	2.94	11.02%	-11.37%
ASRV	47.3M	60.9M	2.22%	-5.80%	-14.14	0.78	24.06%	-144.92%

Provident Financial Holdings Inc News

Latest updates

Provident Financial Holdings Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	2.4%	13,665	13,342	12,915	12,008	11,171	9,898	9,215	8,258	8,511	8,746	8,343	8,430	8,909	9,519	9,727	10,430	11,221	11,078	10,805	11,133	11,440
S&GA Expenses	7.7%	181	168	118	182	175	147	165	186	149	142	210	130	227	113	267	177	212	117	312	246	253
EBITDA Margin	-6.5%	0.99*	1.06*	1.14*	1.25*	1.31*	1.37*	1.42*	1.47*	1.47*	1.41*	1.34*	1.23*	-	-	-	-	-	-	-	-	-
Interest Expenses	-4.0%	8,774	9,139	9,234	9,401	9,385	8,965	8,506	7,538	7,663	7,888	7,378	7,457	7,638	8,166	8,290	8,890	9,639	9,582	9,370	9,612	9,831
Income Taxes	21.6%	884	727	1,010	966	981	867	1,170	699	935	961	1,124	386	481	635	660	467	1,053	1,033	266	-189	810
Earnings Before Taxes	21.5%	3,025	2,489	2,818	3,289	3,352	2,957	3,633	2,398	3,199	3,628	4,463	1,947	1,657	2,120	2,244	1,612	3,451	3,595	1,053	-340	2,768
EBT Margin	-7.4%	0.22*	0.24*	0.27*	0.31*	0.32*	0.34*	0.37*	0.40*	0.39*	0.34*	0.29*	0.22*	-	-	-	-	-	-	-	-	-
Net Income	21.5%	2,141	1,762	1,808	2,323	2,371	2,090	2,463	1,699	2,264	2,667	3,339	1,561	1,176	1,485	1,584	1,145	2,398	2,562	787	-151	1,958
Net Income Margin	-7.5%	0.15*	0.17*	0.19*	0.22*	0.22*	0.24*	0.26*	0.29*	0.29*	0.25*	0.21*	0.16*	-	-	-	-	-	-	-	-	-
Free Cashflow	-115.8%	-442	2,800	4,476	6,475	2,583	2,050	4,386	1,580	2,623	3,039	2,548	2,274	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	-0.9%	1,301	1,313	1,333	1,335	1,271	1,246	1,187	1,188	1,182	1,192	1,184	1,189	1,171	1,184	1,177	1,108	1,107	1,105	1,085	1,119	1,127
Cash Equivalents	-19.1%	47.00	58.00	66.00	61.00	25.00	39.00	23.00	60.00	86.00	88.00	70.00	72.00	74.00	66.00	116	84.00	48.00	55.00	71.00	61.00	67.00
Net PPE	1.8%	10.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	10.00	10.00	10.00	10.00	11.00	11.00	11.00	8.00	8.00	9.00
Liabilities	-1.1%	1,171	1,184	1,203	1,206	1,142	1,117	1,058	1,060	1,054	1,064	1,056	1,064	1,046	1,059	1,053	984	984	983	964	998	1,004
Shareholder's Equity	0.4%	130	129	130	129	129	129	129	128	128	128	127	126	125	125	124	123	124	122	121	121	123
Retained Earnings	0.6%	208	207	207	206	205	204	203	201	201	199	198	195	195	195	194	194	194	192	191	191	192
Additional Paid-In Capital	0.0%	100	100	100	99.00	99.00	99.00	99.00	99.00	98.00	98.00	98.00	97.00	96.00	96.00	96.00	95.00	95.00	95.00	94.00	96.00	96.00
Shares Outstanding	-0.9%	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	8.00	8.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	-	88.00	-	-	-	110	-	-	-	106	-	-	-	149	-	-	-	106

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-97.2%	94.00	3,364	4,487	6,626	2,950	2,262	4,438	1,670	2,638	3,047	2,548	2,292	3,685	3,048	4,048	1,829	2,286	-209	34,897	27,040	21,537
Share Based Compensation	51.0%	74.00	49.00	525	221	227	212	191	190	216	201	611	202	216	274	237	237	240	240	102	37.00	45.00
Cashflow From Investing	-77.2%	2,204	9,681	5,530	-31,062	-39,313	-45,051	-36,565	-32,194	7,960	9,053	4,990	-22,285	19,638	-58,215	-38,339	33,956	-9,454	-35,070	11,546	-25,564	-3,053
Cashflow From Financing	35.9%	-13,398	-20,916	-4,939	60,367	22,502	58,076	-4,580	4,965	-13,167	5,879	-8,897	17,621	-15,789	5,600	66,075	232	886	19,162	-37,269	-7,377	-30,053
Dividend Payments	-0.5%	976	981	983	991	1,004	1,020	1,020	1,031	1,039	1,056	1,049	1,041	1,042	1,041	1,041	1,047	1,048	1,047	1,051	1,052	1,051
Buy Backs	53.9%	762	495	1,056	1,396	1,472	724	564	1,156	1,734	851	1,388	912	6.00	30.00	-1.00	887	51.00	346	567	460	8.00

PROV Income Statement

2023-12-31

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans receivable, net	$ 12,509	$ 10,237	$ 24,685	$ 19,337
Investment securities	524	548	1,048	1,084
FHLB - San Francisco stock	197	145	376	268
Interest-earning deposits	435	241	898	380
Total interest income	13,665	11,171	27,007	21,069
Interest expense:
Checking and money market deposits	72	61	129	121
Savings deposits	73	44	111	88
Time deposits	2,128	370	3,918	583
Borrowings	2,618	1,311	4,936	1,927
Total interest expense	4,891	1,786	9,094	2,719
Net interest income	8,774	9,385	17,913	18,350
(Recovery of) provision for credit losses	(720)		(175)
(Recovery of) provision for credit losses		191		261
Net interest income, after (recovery of) provision for credit losses	9,494	9,194	18,088	18,089
Non-interest income:
Loan Servicing and other fees	124	115	103	223
Other	119	147	250	318
Total non-interest income	875	956	1,626	1,959
Non-interest expense:
Salaries and employee benefits	4,569	4,384	8,683	8,523
Premises and occupancy	903	796	1,806	1,657
Equipment	346	258	633	569
Professional	410	310	882	902
Sales and marketing	181	175	349	322
Deposit insurance premium and regulatory assessments	209	139	406	274
Other	726	736	1,441	1,492
Total non-interest expense	7,344	6,798	14,200	13,739
Income before income taxes	3,025	3,352	5,514	6,309
Provision for income taxes	884	981	1,611	1,848
Net income	$ 2,141	$ 2,371	$ 3,903	$ 4,461
Basic earnings per share	$ 0.31	$ 0.33	$ 0.56	$ 0.62
Diluted earnings per share	$ 0.31	$ 0.33	$ 0.56	$ 0.61
Deposit account fees
Non-interest income:
Total non-interest income	$ 299	$ 327	$ 587	$ 670
Card and processing fees
Non-interest income:
Total non-interest income	$ 333	$ 367	$ 686	$ 748

About Provident Financial Holdings Inc

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. The company's 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. It also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. The company operates through full-service banking offices in Riverside County and San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.

CEO	Mr. Craig G. Blunden
WEBSITE	myprovident.com
INDUSTRY	Banks Diversified
EMPLOYEES	108

Provident Financial Holdings Inc Frequently Asked Questions

What is the ticker symbol for Provident Financial Holdings Inc? What does PROV stand for in stocks?

PROV is the stock ticker symbol of Provident Financial Holdings Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Provident Financial Holdings Inc (PROV)?

As of Wed Apr 24 2024, market cap of Provident Financial Holdings Inc is 90.05 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PROV stock?

You can check PROV's fair value in chart for subscribers.

What is the fair value of PROV stock?

You can check PROV's fair value in chart for subscribers. The fair value of Provident Financial Holdings Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Provident Financial Holdings Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PROV so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Provident Financial Holdings Inc a good stock to buy?

The fair value guage provides a quick view whether PROV is over valued or under valued. Whether Provident Financial Holdings Inc is cheap or expensive depends on the assumptions which impact Provident Financial Holdings Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PROV.

What is Provident Financial Holdings Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Apr 24 2024, PROV's PE ratio (Price to Earnings) is 11.21 and Price to Sales (PS) ratio is 1.73. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PROV PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Provident Financial Holdings Inc's stock?

In the past 10 years, Provident Financial Holdings Inc has provided 0.018 (multiply by 100 for percentage) rate of return.