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Provident Financial Holdings, Inc (PROV)
NASDAQ:PROV
Total Valuation
Provident Financial Holdings has a market cap or net worth of $102.67M. The enterprise value is $264.79M.
Market Cap$102.67M
Enterprise Value$264.79M
Share Statistics
Provident Financial Holdings has 6,577,038 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding6,577,038
Owned by Insiders4.90%
Owned by Institutions15.61%
Financial Efficiency
Provident Financial Holdings’s return on equity (ROE) is 0.05 and return on invested capital (ROIC) is 8.84%.
Return on Equity (ROE)0.05
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)8.84%
Return on Capital Employed (ROCE)<0.01
Revenue Per Employee639.95K
Profits Per Employee66.54K
Employee Count94
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Provident Financial Holdings is 16.9. Provident Financial Holdings’s PEG ratio is -1.36.
PE Ratio16.9
PS Ratio1.73
PB Ratio0.81
Price to Fair Value0.81
Price to FCF12.77
Price to Operating Cash Flow11.99
PEG Ratio-1.36
Income Statement
In the last 12 months, Provident Financial Holdings had revenue of 60.16M and earned 6.25M in profits. Earnings per share was 0.93.
Revenue60.16M
Gross Profit39.67M
Operating Income8.87M
Pretax Income8.87M
Net Income6.25M
EBITDA8.87M
Earnings Per Share (EPS)0.93
Cash Flow
In the last 12 months, operating cash flow was 8.69M and capital expenditures -530.00K, giving a free cash flow of 8.15M billion.
Operating Cash Flow8.69M
Free Cash Flow8.15M
Free Cash Flow per Share1.24
Dividends & Yields
Provident Financial Holdings pays an annual dividend of $0.14, resulting in a dividend yield of 3.59%
Dividend Per Share$0.14
Dividend Yield3.59%
Payout Ratio60.22%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.23
52-Week Price Change5.47%
50-Day Moving Average15.55
200-Day Moving Average15.09
Relative Strength Index (RSI)45.91
Average Volume (3m)9.10K
Important Dates
Provident Financial Holdings upcoming earnings date is Oct 28, 2025, Before Open (Confirmed).
Last Earnings DateJul 28, 2025
Next Earnings DateOct 28, 2025
Ex-Dividend DateAug 14, 2025
Financial Position
Provident Financial Holdings as a current ratio of 0.62, with Debt / Equity ratio of 165.76%
Current Ratio0.62
Quick Ratio0.62
Debt to Market Cap2.05
Net Debt to EBITDA18.03
Interest Coverage Ratio0.42
Taxes
In the past 12 months, Provident Financial Holdings has paid 2.62M in taxes.
Income Tax2.62M
Effective Tax Rate0.30
Enterprise Valuation
Provident Financial Holdings EV to EBITDA ratio is 29.76, with an EV/FCF ratio of 32.38.
EV to Sales4.39
EV to EBITDA29.76
EV to Free Cash Flow32.38
EV to Operating Cash Flow30.41
Balance Sheet
Provident Financial Holdings has $162.49M in cash and marketable securities with $213.07M in debt, giving a net cash position of -$50.58M billion.
Cash & Marketable Securities$162.49M
Total Debt$213.07M
Net Cash-$50.58M
Net Cash Per Share-$7.69
Tangible Book Value Per Share$19.14
Margins
Gross margin is 65.94%, with operating margin of 14.75%, and net profit margin of 10.40%.
Gross Margin65.94%
Operating Margin14.75%
Pretax Margin14.75%
Net Profit Margin10.40%
EBITDA Margin14.75%
EBIT Margin14.75%
Analyst Forecast
The average price target for Provident Financial Holdings is $17.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$17.00
Price Target Upside8.90% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast2.53%
EPS Growth Forecast-12.02%