Provident Financial Holdings, Inc. (PROV)
Stock Price:
$13.15 USD
0.15 (1.15%)
Updated Aug 14, 2020 4:00 PM EDT - Market closed
Key Info
| Market Cap |
97.79M |
| Revenue (ttm) |
39.80M |
| Net Income (ttm) |
6.89M |
| Shares Out |
7.44M |
| EPS (ttm) |
1.01 |
| PE Ratio |
13.02 |
| Forward PE |
9.49 |
| Dividend |
$0.56 |
| Dividend Yield |
4.26% |
Stock Quote
| Trading Day |
Aug 14, 2020 |
| Last Price |
$13.15 |
| Previous Close |
$13.00 |
| Change ($) |
0.15 |
| Change (%) |
1.15% |
| Day's Open |
13.06 |
| Day's Range |
13.00 - 13.50 |
| Day's Volume |
3,354 |
| 52-Week Range |
11.60 - 22.99 |
More Stats
| Market Cap |
97.79M |
| Enterprise Value |
144.61M |
| Earnings Date (est) |
Nov 3, 2020 |
| Ex-Dividend Date |
May 20, 2020 |
| Shares Outstanding |
7.44M |
| Float |
5.40M |
| EPS (basic) |
0.91 |
| EPS (diluted) |
1.01 |
| FCF / Share |
5.12 |
| Dividend |
$0.56 |
| Dividend Yield |
4.26% |
| Earnings Yield |
7.68% |
| FCF Yield |
39.19% |
| Payout Ratio |
n/a |
| Shares Short |
37,486 |
| Short Ratio |
4.32 |
| Short % of Float |
0.60% |
| Beta |
0.52 |
| PE Ratio |
13.02 |
| Forward PE |
9.49 |
| P/FCF Ratio |
2.55 |
| PS Ratio |
2.46 |
| PB Ratio |
0.78 |
| Revenue |
39.80M |
| Operating Income |
9.71M |
| Net Income |
6.89M |
| Free Cash Flow |
38.32M |
| Net Cash |
-46.82M |
| Net Cash / Share |
-6.30 |
| Gross Margin |
100.00% |
| Operating Margin |
24.40% |
| Profit Margin |
16.50% |
| FCF Margin |
96.28% |
| ROA |
0.68% |
| ROE |
6.29% |
| ROIC |
n/a |
Stats based on trailing-twelve-month (ttm) numbers.
Analyst Summary
Analyst Ratings (3)
| Buy |
3 |
| Overweight |
0 |
| Hold |
0 |
| Underweight |
0 |
| Sell |
0 |
Price Target
$15.50*
(17.87% upside)
Low
15.0
Current: $13.15
High
16.0
Target: 15.50
*Average 12-month price target from 3 stock analysts.
Financial Performance
Financial numbers in millions USD.
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|
| Revenue | 51.16 | 58.73 | 67.60 | 71.11 | 75.05 | 65.78 | 110 | 74.10 | 68.64 | 39.99 |
| Revenue Growth | -12.9% | -13.12% | -4.93% | -5.26% | 14.09% | -40.23% | 48.52% | 7.96% | 71.63% | - |
| Gross Profit | 51.16 | 58.73 | 67.60 | 71.11 | 75.05 | 65.78 | 110 | 74.10 | 68.64 | 39.99 |
| Operating Income | 5.92 | 5.53 | 8.82 | 12.85 | 17.08 | 11.61 | 42.71 | 18.74 | 23.27 | 1.86 |
| Net Income | 4.42 | 2.13 | 5.21 | 7.47 | 9.80 | 6.61 | 25.80 | 10.81 | 13.22 | 1.12 |
| Shares Outstanding | 7.50 | 7.46 | 7.89 | 8.18 | 8.72 | 9.67 | 10.45 | 11.01 | 11.42 | 11.41 |
| Earnings Per Share | 0.58 | 0.28 | 0.64 | 0.88 | 1.07 | 0.65 | 2.38 | 0.96 | 1.16 | 0.13 |
| EPS Growth | 107.14% | -56.25% | -27.27% | -17.76% | 64.62% | -72.69% | 147.92% | -17.24% | 792.31% | - |
| Dividend Per Share | 0.56 | 0.56 | 0.52 | 0.48 | 0.45 | 0.40 | 0.24 | 0.14 | 0.04 | 0.04 |
| Dividend Growth | 0% | 7.69% | 8.33% | 6.67% | 12.5% | 66.67% | 71.43% | 250% | 0% | - |
| Operating Cash Flow | 107 | 27.99 | 83.44 | 47.79 | -57.78 | 48.52 | 55.07 | -12.32 | -2.41 | 0.97 |
| Capital Expenditures | -0.45 | - | -1.49 | -1.52 | -0.38 | -0.72 | -1.11 | -2.60 | 1.31 | -0.40 |
| Free Cash Flow | 107 | 27.99 | 81.95 | 46.27 | -58.15 | 47.80 | 53.95 | -14.92 | -1.10 | 0.57 |
| Cash & Equivalents | 70.63 | 43.30 | 72.83 | 51.21 | 81.40 | 119 | 194 | 145 | 143 | 96.20 |
| Total Debt | 101 | 126 | 126 | 91.30 | 91.37 | 41.43 | 106 | 127 | 207 | 310 |
| Net Cash / Debt | -30.48 | -82.86 | -53.40 | -40.09 | -9.96 | 77.51 | 87.35 | 18.59 | -64.05 | -213 |
| Assets | 1,085 | 1,176 | 1,201 | 1,171 | 1,175 | 1,106 | 1,211 | 1,261 | 1,314 | 1,399 |
| Liabilities | 964 | 1,055 | 1,072 | 1,038 | 1,033 | 960 | 1,051 | 1,116 | 1,173 | 1,272 |
| Book Value | 121 | 120 | 128 | 133 | 141 | 146 | 160 | 145 | 141 | 128 |
Numbers in millions USD, except per-share numbers.
Company Details
| Full Name |
Provident Financial Holdings, Inc. |
| Country |
United States |
| CEO |
Craig G. Blunden |
Stock Information
| Ticker Symbol |
PROV |
| Stock Exchange |
NASDAQ |
| Sector |
Financial Services |
| Industry |
Banks—Regional |
| Unique Identifier |
NASDAQ: PROV |
| IPO Date |
June 28, 1996 |
Description
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 multi-family, commercial real estate, construction, 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 12 full-service banking offices in Riverside County and 1 full-service banking office in San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is based in Riverside, California.