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Provident Financial Holdings, Inc. PROV

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Price alert · PROV

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18.17 USD -0.03 -0.16%

At close · Oct 30

18.17 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
18.10 × 2
Ask
18.18 × 2
18.11 Day range 18.20
15.01 52-week range 18.71
YTD
+14.20%
1 year
+15.59%
Open
18.20
Prev close
18.20
Mkt cap
112.61M
Vol
8.19K
Avg vol
15.28K
EPS
1.03
P/E
17.64
Div yield
3.44%
More statistics
Low
18.11
High
18.20
Forward P/E
10.60
Beta
0.38
Short ratio
3.03
Inst. own
48.57%
Dividend
0.56
Ex-div date
Nov 13, 2024
Earnings
Feb 3, 2025
50-d avg
15.75
200-d avg
13.91
1y target
16.75

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Financial health

Altman Z-Score

-0.47 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 2
  • P/B 4

Valuation

P/E 16.5×
FY 2017: 29.2×FY 2018: 68.1×FY 2019: 36.4×FY 2020: 13.0×FY 2021: 17.1×FY 2022: 12.1×FY 2023: 10.6×FY 2024: 11.6×FY 2025: 16.7×FY 2026: 16.5×
FY 2017 5y median 12.1× FY 2026
P/S 1.8×
FY 2017: 2.1×FY 2018: 2.2×FY 2019: 2.8×FY 2020: 2.1×FY 2021: 3.2×FY 2022: 2.8×FY 2023: 1.8×FY 2024: 1.5×FY 2025: 1.7×FY 2026: 1.8×
FY 2017 5y median 1.8× FY 2026
P/B 0.9×
FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.8×FY 2026: 0.9×
FY 2017 5y median 0.8× FY 2026
P/FCF 12.8×
FY 2017: 1.9×FY 2018: 5.7×FY 2019: 1.5×FY 2020: 13.0×FY 2021: 11.4×FY 2022: 9.4×FY 2023: 5.8×FY 2024: 20.8×FY 2025: 12.8×FY 2026: 12.8×
FY 2017 5y median 12.8× FY 2026
EV/EBITDA 22.6×
FY 2017: 18.0×FY 2018: 26.2×FY 2019: 21.3×FY 2020: 8.8×FY 2021: 9.7×FY 2022: 9.7×FY 2023: 16.7×FY 2024: 20.1×FY 2025: 21.4×FY 2026: 22.6×
FY 2017 5y median 20.1× FY 2026
EV/Sales 3.6×
FY 2017: 2.8×FY 2018: 3.5×FY 2019: 3.4×FY 2020: 2.7×FY 2021: 4.0×FY 2022: 4.3×FY 2023: 5.2×FY 2024: 4.6×FY 2025: 4.4×FY 2026: 3.6×
FY 2017 5y median 4.4× FY 2026
FCF Yield 7.8%
FY 2017: 53.4%FY 2018: 17.4%FY 2019: 66.3%FY 2020: 7.7%FY 2021: 8.8%FY 2022: 10.6%FY 2023: 17.1%FY 2024: 4.8%FY 2025: 7.8%FY 2026: 7.8%
FY 2017 5y median 7.8% FY 2026

Profitability

Gross Margin 68.1%
FY 2017: 92.3%FY 2018: 90.9%FY 2019: 89.9%FY 2020: 84.7%FY 2021: 90.3%FY 2022: 98.3%FY 2023: 81.3%FY 2024: 66.3%FY 2025: 65.9%FY 2026: 68.1%
FY 2017 5y median 68.1% FY 2026
Operating Margin 16.2%
FY 2017: 12.0%FY 2018: 8.6%FY 2019: 10.4%FY 2020: 23.2%FY 2021: 25.6%FY 2022: 32.6%FY 2023: 24.8%FY 2024: 17.7%FY 2025: 14.8%FY 2026: 16.2%
FY 2017 5y median 17.7% FY 2026
Net Margin 11.2%
FY 2017: 7.1%FY 2018: 3.3%FY 2019: 7.8%FY 2020: 16.4%FY 2021: 19.0%FY 2022: 23.1%FY 2023: 17.2%FY 2024: 12.5%FY 2025: 10.4%FY 2026: 11.2%
FY 2017 5y median 12.5% FY 2026
ROE 5.3%
FY 2017: 4.1%FY 2018: 1.8%FY 2019: 3.7%FY 2020: 6.2%FY 2021: 5.9%FY 2022: 7.1%FY 2023: 6.6%FY 2024: 5.7%FY 2025: 4.9%FY 2026: 5.3%
FY 2017 5y median 5.7% FY 2026
ROIC 0.6%
FY 2017: 2.0%FY 2018: 0.9%FY 2019: 2.0%FY 2020: 2.9%FY 2021: 3.3%FY 2022: 4.3%FY 2023: 2.4%FY 2024: 1.9%FY 2025: 1.8%FY 2026: 0.6%
FY 2017 5y median 1.9% FY 2026
ROA 0.6%
FY 2017: 0.4%FY 2018: 0.2%FY 2019: 0.4%FY 2020: 0.7%FY 2021: 0.6%FY 2022: 0.8%FY 2023: 0.6%FY 2024: 0.6%FY 2025: 0.5%FY 2026: 0.6%
FY 2017 5y median 0.6% FY 2026

Growth (YoY)

Revenue -0.9%
FY 2017: -4.1%FY 2018: -11.8%FY 2019: -11.9%FY 2020: -17.4%FY 2021: -15.3%FY 2022: -0.8%FY 2023: 26.9%FY 2024: 17.2%FY 2025: 2.5%FY 2026: -0.9%
FY 2017 FY 2026
Operating Income 8.6%
FY 2017: -31.4%FY 2018: -37.3%FY 2019: 7.1%FY 2020: 84.2%FY 2021: -6.6%FY 2022: 26.2%FY 2023: -3.4%FY 2024: -16.3%FY 2025: -14.6%FY 2026: 8.6%
FY 2017 FY 2026
EPS (diluted) 10.8%
FY 2017: -28.9%FY 2018: -56.3%FY 2019: 107.1%FY 2020: 74.1%FY 2021: -1.0%FY 2022: 22.0%FY 2023: -2.5%FY 2024: -10.9%FY 2025: -12.3%FY 2026: 10.8%
FY 2017 FY 2026
Free Cash Flow 4.7%
FY 2017: 76.2%FY 2018: -69.2%FY 2019: 325.3%FY 2020: -92.8%FY 2021: 46.9%FY 2022: 2.5%FY 2023: 34.0%FY 2024: -73.7%FY 2025: 99.1%FY 2026: 4.7%
FY 2017 FY 2026

Financial Health

Current Ratio 0.5×
FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×FY 2026: 0.5×
FY 2017 5y median 0.1× FY 2026
Quick Ratio 0.5×
FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×FY 2026: 0.5×
FY 2017 5y median 0.1× FY 2026
Debt / Equity 1.2×
FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 1.1×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 1.8×FY 2024: 1.8×FY 2025: 1.7×FY 2026: 1.2×
FY 2017 5y median 1.7× FY 2026
Net Debt / EBITDA 11.2×
FY 2017: 4.7×FY 2018: 9.6×FY 2019: 3.4×FY 2020: 1.8×FY 2021: 1.9×FY 2022: 3.5×FY 2023: 10.8×FY 2024: 13.8×FY 2025: 12.9×FY 2026: 11.2×
FY 2017 5y median 11.2× FY 2026
Interest Coverage 0.5×
FY 2017: 1.3×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 1.8×FY 2021: 2.2×FY 2022: 4.1×FY 2023: 1.4×FY 2024: 0.5×FY 2025: 0.4×FY 2026: 0.5×
FY 2017 5y median 0.5× FY 2026

Dividends

Dividend Yield 3.3%
FY 2017: 2.7%FY 2018: 2.9%FY 2019: 2.6%FY 2020: 4.2%FY 2021: 3.2%FY 2022: 3.8%FY 2023: 4.4%FY 2024: 4.6%FY 2025: 3.6%FY 2026: 3.3%
FY 2017 5y median 3.8% FY 2026
Payout Ratio 54.0%
FY 2017: 79.1%FY 2018: 198.4%FY 2019: 95.0%FY 2020: 54.4%FY 2021: 55.2%FY 2022: 45.6%FY 2023: 46.5%FY 2024: 52.9%FY 2025: 60.2%FY 2026: 54.0%
FY 2017 5y median 52.9% FY 2026

Annual · latest fiscal year ends 2026-06-30