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Total Valuation
Provident Financial Holdings has a market cap or net worth of $112.44M. The enterprise value is $216.77.
Market Cap$112.44M
Enterprise Value$216.77
Share Statistics
Provident Financial Holdings has 6,253,691 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding6,253,691
Owned by Insiders5.78%
Owned by Institutions17.11%
Financial Efficiency
Provident Financial Holdings’s return on equity (ROE) is 0.05 and return on invested capital (ROIC) is 0.55%.
Return on Equity (ROE)0.05
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.55%
Return on Capital Employed (ROCE)<0.01
Revenue Per Employee365.74K
Profits Per Employee40.83K
Employee Count163
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Provident Financial Holdings is 17.5. Provident Financial Holdings’s PEG ratio is 1.40.
PE Ratio17.5
PS Ratio1.84
PB Ratio0.87
Price to Fair Value0.87
Price to FCF0.00
Price to Operating Cash Flow20.74
PEG Ratio1.40
Income Statement
In the last 12 months, Provident Financial Holdings had revenue of 59.62M and earned 6.66M in profits. Earnings per share was 1.04.
Revenue59.62M
Gross Profit40.61M
Operating Income9.64M
Pretax Income9.64M
Net Income6.66M
EBITDA9.64M
Earnings Per Share (EPS)1.04
Cash Flow
In the last 12 months, operating cash flow was 5.61M and capital expenditures -145.00K, giving a free cash flow of 5.46M billion.
Operating Cash Flow5.61M
Free Cash Flow5.46M
Free Cash Flow per Share0.87
Dividends & Yields
Provident Financial Holdings pays an annual dividend of $0.14, resulting in a dividend yield of 3.11%
Dividend Per Share$0.14
Dividend Yield3.11%
Payout Ratio60.87%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.40
52-Week Price Change23.70%
50-Day Moving Average17.32
200-Day Moving Average16.29
Relative Strength Index (RSI)67.01
Average Volume (3m)8.84K
Important Dates
Provident Financial Holdings upcoming earnings date is Oct 27, 2026, Before Open (Confirmed).
Last Earnings DateJul 28, 2026
Next Earnings DateOct 27, 2026
Ex-Dividend Date―
Financial Position
Provident Financial Holdings as a current ratio of 0.48, with Debt / Equity ratio of 124.42%
Current Ratio0.48
Quick Ratio0.48
Debt to Market Cap1.43
Net Debt to EBITDA11.19
Interest Coverage Ratio0.49
Taxes
In the past 12 months, Provident Financial Holdings has paid 2.98M in taxes.
Income Tax2.98M
Effective Tax Rate0.31
Enterprise Valuation
Provident Financial Holdings EV to EBITDA ratio is 22.56, with an EV/FCF ratio of 0.00.
EV to Sales3.65
EV to EBITDA22.56
EV to Free Cash Flow0.00
EV to Operating Cash Flow0.00
Balance Sheet
Provident Financial Holdings has $49.21M in cash and marketable securities with $157.05M in debt, giving a net cash position of -$107.84M billion.
Cash & Marketable Securities$49.21M
Total Debt$157.05M
Net Cash-$107.84M
Net Cash Per Share-$17.24
Tangible Book Value Per Share$19.82
Margins
Gross margin is 68.12%, with operating margin of 16.16%, and net profit margin of 11.16%.
Gross Margin68.12%
Operating Margin16.16%
Pretax Margin16.16%
Net Profit Margin11.16%
EBITDA Margin16.16%
EBIT Margin16.16%
Analyst Forecast
The average price target for Provident Financial Holdings is $18.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$18.00
Price Target Upside4.53% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast-0.79%
EPS Growth Forecast11.59%