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Company Analysis

Provident Financial Holdings, I PROV

A comprehensive view of key metrics, scores, and financial health for Provident Financial Holdings, I

Overview of Provident Financial Holdings, Inc.

PROV NMS
Financial Services Banks - Regional Framework: Banks & Lenders Micro Cap
Provident Financial Holdings, Inc. (PROV), is a Micro Cap company, in the Banks - Regional industry, last closed at $17.11, about 18.1% undervalued vs fair value, +12.2% 1Y return, ranked 407/1037 in sector.
Metrics Rev Growth 0.4% ROE 4.8% Div Yield 3.67%
USD 17.11
0.82%
(Delayed)
• Vol 90d: 11.1%
52-Week Range
Market Cap
$106.70M
Enterprise Value
$265.39M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.myprovident.com
HQ Riverside, CA
Employees 95
Fiscal year Jun 30

Next Events

Earnings Jul 27 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$20
$38
Current: $17.11 +18% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$56.6M
3.5%%
Interest Expense
$21.2M
Net Interest Income
$35.5M
1.6%%
Total Revenue
$39.0M
0.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.9%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.2M
131.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Provident Financial Holdings, I's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
54
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing PROV's balance between Growth (26.0%), Profitability (22.2%), and Safety (51.8%). Growth 26% Safety 52% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

27th percentile vs peers
27
Key Signals
NII Growth YoY 1.6% 51p EPS Growth YoY -11.6% 28p Asset Growth YoY -2.1% 11p Equity Growth YoY -1.1% 11p
Strengths
  • D/E Ratio in top 20% of peers (1.66, 84th percentile)
  • Debt/Assets in top 20% of peers (17.1%, 82th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (-2.1%)
  • Equity Growth YoY in bottom 20% of peers (-1.1%)

Profitability

23th percentile vs peers
23
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Provident Financial Holdings, I.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.21
- - -
+18.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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