Stock PROV PROVIDENT FINANCIAL HOLDINGS, INC.
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Financials Provident Financial Holdings, Inc.

Equities

PROV

US7438681014

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
12.9 USD -0.23% Intraday chart for Provident Financial Holdings, Inc. -3.59% +2.30%
Apr. 26 Provident Financial Holdings Announces Quarterly Cash Dividend, Payable June 6, 2024 CI
Apr. 18 Provident Financial Services Q1 Earnings, Revenue Slip MT

Valuation

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 157.4 99.72 129.8 108 89.54 89.35 -
Enterprise Value (EV) 1 157.4 99.72 129.8 108 89.54 89.35 89.35
P/E ratio 36.2 x 13.3 x 17.3 x 12.2 x 10.7 x 11.7 x 9.08 x
Yield 2.67% 4.18% 3.24% 3.78% 4.39% 4.34% 4.34%
Capitalization / Revenue 3.11 x 2.44 x 3.69 x 2.98 x 2.18 x 2.28 x 2.11 x
EV / Revenue 3.11 x 2.44 x 3.69 x 2.98 x 2.18 x 2.28 x 2.11 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.3 x 0.8 x 1.02 x 0.84 x 0.69 x 0.65 x 0.6 x
Nbr of stocks (in thousands) 7,497 7,436 7,517 7,285 7,023 6,927 -
Reference price 2 20.99 13.41 17.27 14.83 12.75 12.90 12.90
Announcement Date 7/30/19 7/28/20 7/28/21 7/26/22 7/26/23 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Net sales 1 50.68 40.92 35.21 36.31 41.06 39.19 42.27
EBITDA - - - - - - -
EBIT 5.445 12.02 9.479 10.4 12.79 - -
Operating Margin 10.74% 29.38% 26.92% 28.63% 31.15% - -
Earnings before Tax (EBT) 1 5.92 10.9 10.19 12.86 12.42 10.62 13.18
Net income 1 4.417 7.689 7.56 9.093 8.592 7.525 9.34
Net margin 8.72% 18.79% 21.47% 25.04% 20.93% 19.2% 22.1%
EPS 2 0.5800 1.010 1.000 1.220 1.190 1.100 1.420
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600
Announcement Date 7/30/19 7/28/20 7/28/21 7/26/22 7/26/23 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: June 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2 2025 Q3
Net sales 1 8.957 9.031 - 9.671 9.968 10.34 10.38 10.37 9.89 9.649 9.73 9.91 10.2 10.48 10.67
EBITDA - - - - - - - - - - - - - - -
EBIT 3.289 2.132 - 3.222 3.027 3.543 3.458 2.762 3.034 - - - - - -
Operating Margin 36.72% 23.61% - 33.32% 30.37% 34.26% 33.31% 26.64% 30.68% - - - - - -
Earnings before Tax (EBT) 1 3.628 3.199 2.398 3.633 2.957 3.352 3.289 2.818 2.489 3.025 2.54 2.82 2.93 3.19 3.425
Net income 1 2.667 2.264 1.699 2.463 2.09 2.371 2.323 1.808 1.762 2.141 1.81 2.015 2.06 2.27 2.42
Net margin 29.78% 25.07% - 25.47% 20.97% 22.93% 22.38% 17.44% 17.82% 22.19% 18.6% 20.33% 20.2% 21.66% 22.68%
EPS 2 0.3500 0.3000 0.2300 0.3400 0.2900 0.3300 0.3300 0.2600 0.2500 0.3100 0.2600 0.3000 0.3100 0.3400 0.3700
Dividend per Share 2 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400
Announcement Date 10/26/21 1/26/22 4/26/22 7/26/22 10/25/22 1/27/23 4/26/23 7/26/23 10/25/23 1/29/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 3.63% 6.26% 6.05% 7.14% 6.58% 5.74% 7%
ROA (Net income/ Total Assets) 0.39% 0.69% 0.64% 0.76% 0.68% 0.57% 0.67%
Assets 1 1,133 1,114 1,181 1,196 1,264 1,332 1,405
Book Value Per Share 2 16.10 16.70 16.90 17.70 18.40 19.90 21.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 7/30/19 7/28/20 7/28/21 7/26/22 7/26/23 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Provident Financial Holdings, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
2
Last Close Price
12.9 USD
Average target price
15 USD
Spread / Average Target
+16.28%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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