YOLFTbeta
Provident Financial Holdings Inc

Provident Financial Holdings Inc

PROV · NASDAQ · Financial Services / Banks - Regional

18.45USD+0.21 (+1.15%)

Price History

Full chart

Market Stats

Previous Close18.24
Open18.28
Day Range18.20 – 18.49
52-Week Range14.53 – 18.99
Volume26.00K
Market Cap113.89M
P/E (TTM)17.74
Forward P/E10.17
EPS1.03
Dividend Yield3.04%
Beta0.32
50-Day Avg18.11
200-Day Avg16.95

About

Provident Financial Holdings, Inc. operates as the bank holding company for Provident Savings Bank, F.S.B. that provides community banking and financial services in Southern California, the United States. The company offers deposit products, such as checking, savings, money market, and time deposit accounts; and merchant and wealth management services. It also provides lending services, including single-family, multi-family, commercial real estate, and other mortgage loans; and construction, commercial business, and consumer loans. In addition, the company offers investment services comprising the sale of alternative investment products, such as annuities and mutual funds; and trustee services for real estate secured loan transactions. It serves individuals, small to mid-sized businesses, and institutional clients. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Donavon P. Ternes
  • Employees95
  • Headquarters3756 Central Avenue, Riverside, CA, United States, 92506, USA
  • Websitehttps://www.myprovident.com

Leadership

  • Mr. Donavon P. TernesPresident, CEO & Director · b. 1960
  • Mr. Peter C. FanSenior VP, CFO & Corporate Secretary · b. 1965

Financials

Income Statement

Currency: USD1996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue36.98M50.20M59.40M77.63M86.50M94.76M82.11M85.63M82.30M99.91M112.84M118.53M100.96M106.13M92.42M93.96M94.58M119.36M69.73M80.08M76.36M73.24M64.61M56.89M46.98M39.77M39.45M41.06M58.67M60.16M59.62M
Growth (%)-+35.75%+18.33%+30.70%+11.42%+9.56%-13.35%+4.28%-3.88%+21.40%+12.93%+5.05%-14.82%+5.12%-12.92%+1.66%+0.67%+26.19%-41.58%+14.84%-4.64%-4.09%-11.78%-11.95%-17.43%-15.33%-0.82%+4.09%+42.89%+2.53%-0.90%
Cost of Revenue27.53M24.80M30.60M34.91M48.98M54.46M39.71M29.47M26.74M34.62M43.71M64.27M67.42M90.83M52.43M26.41M20.48M9.30M3.96M5.03M5.26M5.64M5.88M5.73M7.17M3.85M673.00K9.38M19.74M20.49M19.01M
Gross Profit9.45M25.40M28.80M42.72M37.52M40.31M42.40M56.16M55.57M65.29M69.13M54.26M33.54M15.30M39.99M67.55M74.10M110.06M65.78M75.05M71.11M67.60M58.73M51.16M39.80M35.92M38.77M41.06M38.93M39.67M40.61M
Gross Margin25.56%50.60%48.48%55.03%43.38%42.54%51.63%65.59%67.51%65.35%61.27%45.78%33.22%14.42%43.27%71.90%78.35%92.20%94.33%93.71%93.11%92.30%90.91%89.92%84.73%90.31%98.29%100.00%66.35%65.94%68.12%
Operating Expense5.31M22.30M20.10M24.62M24.96M25.07M26.81M27.91M28.78M32.51M32.91M33.85M30.31M29.98M38.14M44.28M55.37M67.34M54.17M57.97M58.26M58.78M53.20M45.24M28.90M25.73M25.91M28.64M28.54M30.79M30.97M
Operating Income4.14M3.10M8.70M18.10M12.57M15.24M15.59M28.25M26.79M32.78M36.22M20.41M3.23M-14.68M1.85M23.27M18.74M42.71M11.61M17.08M12.85M8.82M5.53M5.92M10.90M10.19M12.86M12.42M10.39M8.87M9.64M
Operating Margin11.19%6.18%14.65%23.31%14.53%16.08%18.99%32.99%32.55%32.80%32.10%17.22%3.20%-13.83%2.01%24.77%19.81%35.78%16.65%21.33%16.82%12.04%8.55%10.41%23.21%25.61%32.60%30.24%17.70%14.75%16.16%
EBITDA5.20M4.30M8.60M18.50M14.69M17.52M17.88M34.22M31.20M36.28M39.41M22.62M5.59M-12.65M3.39M24.69M20.09M44.46M13.27M18.94M14.76M11.46M8.66M8.99M14.29M16.45M17.71M15.60M13.54M12.36M9.64M
EBITDA Margin14.05%8.57%14.48%23.83%16.98%18.49%21.78%39.96%37.91%36.32%34.93%19.09%5.54%-11.92%3.67%26.27%21.25%37.25%19.03%23.65%19.32%15.64%13.40%15.81%30.43%41.37%44.89%38.00%23.08%20.55%16.16%
Net Income2.81M1.90M5.00M10.50M7.26M8.89M9.11M16.89M15.07M18.70M20.54M11.29M860.00K-7.44M1.11M13.22M10.81M25.80M6.61M9.80M7.47M5.21M2.13M4.42M7.69M7.56M9.09M8.59M7.35M6.25M6.66M
Net Income Margin7.59%3.78%8.42%13.53%8.39%9.38%11.09%19.72%18.31%18.72%18.20%9.52%0.85%-7.01%1.21%14.07%11.43%21.61%9.47%12.24%9.79%7.11%3.30%7.76%16.37%19.01%23.05%20.93%12.53%10.40%11.16%
R&D----------------0000000--------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%--------
Interest Expense25.27M23.50M29.40M34.40M48.73M54.46M39.19M28.41M25.92M32.98M42.57M59.19M54.31M42.16M30.59M20.94M14.71M10.80M7.34M6.42M6.97M6.68M6.41M6.21M6.05M4.56M3.13M9.01M19.81M21.16M19.56M
Interest Expense % of Total Revenue68.33%46.81%49.49%44.31%56.33%57.46%47.73%33.18%31.49%33.01%37.73%49.94%53.80%39.72%33.09%22.29%15.55%9.05%10.52%8.02%9.13%9.12%9.92%10.91%12.89%11.47%7.95%21.94%33.76%35.17%32.81%

Balance Sheet

Currency: USD1996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets584.85M615.50M816.20M957.40M1.15B1.12B1.01B1.26B1.32B1.63B1.62B1.65B1.63B1.58B1.40B1.31B1.26B1.21B1.11B1.17B1.17B1.20B1.18B1.08B1.18B1.18B1.19B1.33B1.27B1.25B1.21B
Total Liabilities498.88M530.10M729.50M867.70M1.06B1.02B902.29M1.15B1.21B1.51B1.49B1.52B1.51B1.46B1.27B1.17B1.12B1.05B959.77M1.03B1.04B1.07B1.06B964.21M1.05B1.06B1.06B1.20B1.14B1.12B1.08B
Total Equity85.97M85.40M86.70M89.70M88.97M97.26M103.03M106.88M109.98M122.99M136.21M128.93M123.98M114.91M127.74M141.74M144.78M159.97M145.86M141.14M133.45M128.23M120.46M120.64M123.98M127.28M128.65M129.69M129.94M128.54M126.22M
Cash30.83M20.10M23.40M19.70M18.96M26.84M27.70M48.85M38.35M25.90M16.36M12.82M15.11M56.90M96.20M142.55M145.14M193.84M118.94M81.40M51.21M72.83M43.30M70.63M116.03M70.27M23.41M65.85M51.38M53.09M49.21M
Total Debt8.58M6.80M132.10M214.50M341.67M265.83M202.47M367.94M324.88M737.85M546.21M502.77M479.33M456.69M309.65M206.60M126.55M106.49M41.43M91.37M91.30M126.23M126.16M101.11M141.05M100.98M85.00M235.01M238.50M213.07M157.05M
Net Debt-22.25M-13.30M108.70M194.80M322.70M238.99M174.77M319.09M286.53M711.94M529.85M489.95M464.22M399.79M213.45M64.05M-18.59M-87.35M-77.51M9.96M40.09M53.40M82.86M30.48M25.01M30.71M61.59M169.16M187.12M159.98M107.84M

Cash Flow

Currency: USD1996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow-7.75M38.00M-42.20M35.30M4.64M-78.77M84.47M-16.92M34.56M-53.21M59.72M48.58M48.05M-85.78M969.00K-2.41M-12.32M55.06M48.52M-57.77M47.73M83.44M27.99M107.09M7.95M11.57M11.79M16.32M5.68M8.69M8.97M
Investing Cash Flow15.01M-73.00M-149.00M-162.50M-187.54M131.15M37.28M-188.42M-86.62M-254.45M-44.55M-67.44M-25.38M175.24M230.10M139.43M88.38M63.39M-12.14M-39.95M-63.92M-84.52M-27.30M17.29M-48.91M-55.87M-51.75M-109.90M45.06M26.46M31.50M
Financing Cash Flow12.14M24.30M194.60M123.50M182.13M-44.51M-120.89M226.49M41.56M295.21M-24.71M15.32M-20.38M-47.67M-191.77M-90.67M-72.60M-69.75M-111.28M60.19M-14.06M22.69M-30.21M-97.05M86.36M-1.47M-6.90M136.01M-65.22M-33.43M-44.35M
Capital Expenditure609.00K900.00K1.20M2.00M931.00K1.49M2.24M1.38M1.10M658.00K688.00K1.24M395.00K797.00K395.00K879.00K2.60M1.11M715.00K376.00K1.52M1.49M2.91M449.00K229.00K225.00K165.00K741.00K1.59M530.00K432.00K
Free Cash Flow-8.36M37.10M-43.40M33.30M3.71M-80.26M82.23M-18.30M33.46M-53.87M59.03M47.35M47.66M-86.58M574.00K-3.29M-14.92M53.95M47.80M-58.15M46.22M81.42M25.08M106.64M7.72M11.35M11.63M15.58M4.10M8.15M8.54M
Dividends Paid------1.00K1.03M2.40M3.65M4.05M4.63M4.00M994.00K352.00K456.00K1.57M2.54M3.96M4.05M4.01M4.12M4.23M4.19M4.18M4.17M4.15M4.00M3.89M3.77M3.59M
FCF to OCF107.86%97.63%102.84%94.33%79.95%101.89%97.35%108.18%96.82%101.24%98.85%97.46%99.18%100.93%59.24%136.41%121.06%97.98%98.53%100.65%96.82%97.57%89.61%99.58%97.12%98.06%98.60%95.46%72.05%93.90%95.18%
Dividend Paid to FCF------0.00%-5.65%7.17%-6.77%6.87%9.78%8.40%-1.15%61.32%-13.85%-10.54%4.71%8.29%-6.97%8.68%5.06%16.86%3.93%54.15%36.77%35.66%25.65%94.90%46.18%42.07%

Earnings

Report DateJan 23, 1997Oct 23, 1997Apr 24, 1998Jul 24, 1998Oct 23, 1998Jan 25, 1999Apr 26, 1999Jul 27, 1999Sep 30, 1999Jan 24, 2000Apr 28, 2000Jul 24, 2000Oct 25, 2000Jan 24, 2001Apr 26, 2001Aug 3, 2001Oct 25, 2001Jan 24, 2002Apr 25, 2002Jul 23, 2002Oct 24, 2002Jan 23, 2003Apr 24, 2003Jul 22, 2003Oct 23, 2003Jan 22, 2004Apr 22, 2004Jul 22, 2004Oct 21, 2004Jan 20, 2005Apr 21, 2005Jul 21, 2005Oct 20, 2005Jan 23, 2006Apr 20, 2006Jul 24, 2006Oct 23, 2006Jan 23, 2007Apr 24, 2007Jul 30, 2007Oct 23, 2007Jan 24, 2008May 19, 2008Jul 28, 2008Oct 23, 2008Jan 29, 2009Apr 29, 2009Jul 30, 2009Oct 29, 2009Jan 28, 2010Apr 29, 2010Jul 29, 2010Oct 27, 2010Jan 27, 2011Apr 28, 2011Jul 28, 2011Oct 27, 2011Jan 31, 2012Apr 26, 2012Jul 30, 2012Oct 25, 2012Jan 24, 2013Apr 25, 2013Jul 30, 2013Oct 29, 2013Jan 30, 2014Apr 29, 2014Jul 30, 2014Oct 29, 2014Jan 26, 2015Apr 28, 2015Jul 28, 2015Oct 27, 2015Jan 26, 2016Apr 26, 2016Jul 26, 2016Oct 25, 2016Jan 27, 2017Apr 27, 2017Jul 26, 2017Oct 26, 2017Jan 29, 2018Apr 26, 2018Jul 30, 2018Oct 29, 2018Jan 28, 2019Apr 29, 2019Jul 30, 2019Oct 29, 2019Jan 27, 2020Apr 28, 2020Jul 28, 2020Oct 28, 2020Jan 27, 2021Apr 27, 2021Jul 28, 2021Oct 26, 2021Jan 26, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 27, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 29, 2024Apr 29, 2024Jul 29, 2024Oct 28, 2024Jan 28, 2025Apr 28, 2025Jul 28, 2025Oct 28, 2025Jan 27, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate0.070.080.130.130.120.130.150.18-0.180.210.200.270.380.240.290.340.290.200.250.310.430.51-0.570.360.470.660.570.640.660.680.700.690.650.600.620.360.590.460.150.160.220.190.090.050.250.02-0.11-0.070.020.070.140.190.190.220.230.230.200.230.370.490.480.450.450.170.180.170.250.230.260.280.250.280.170.280.330.260.160.180.160.200.180.240.230.240.100.110.340.360.300.200.220.240.210.200.210.200.220.220.310.320.320.330.280.260.260.230.250.260.240.280.290.300.290.280.32
EPS Actual0.070.140.120.120.160.170.210.200.180.220.200.280.210.250.290.340.260.310.430.300.460.510.610.630.490.430.570.600.600.710.640.680.710.700.490.560.770.440.390.320.120.190.15-0.190.05-1.05-0.410.21-0.820.370.030.280.400.370.200.180.200.160.210.390.720.640.450.490.140.160.140.220.250.250.290.280.280.110.180.340.200.180.140.200.150.200.230.180.240.26-0.020.100.330.310.150.210.200.160.210.440.350.300.230.340.290.330.330.260.250.310.220.280.280.130.280.240.250.220.210.35-
Surprise0.00%75.00%-7.69%-7.69%33.33%30.77%40.00%11.11%-22.22%-4.76%40.00%-22.22%-34.21%20.83%17.24%-23.53%6.90%115.00%20.00%48.39%18.60%19.61%--14.04%19.44%21.28%-9.09%5.26%10.94%-3.03%0.00%1.43%1.45%-24.62%-6.67%24.19%22.22%-33.90%-30.43%-20.00%18.75%-31.82%-200.00%-44.44%-2200.00%-264.00%950.00%-645.45%628.57%50.00%300.00%185.71%94.74%5.26%-18.18%-13.04%-30.43%5.00%69.57%94.59%30.61%-6.25%8.89%-68.89%-5.88%-22.22%29.41%0.00%8.70%11.54%0.00%12.00%-60.71%5.88%21.43%-39.39%-30.77%-12.50%11.11%-6.25%0.00%27.78%-25.00%4.35%8.33%-120.00%-9.09%-2.94%-13.89%-50.00%5.00%-9.09%-33.33%0.00%120.00%66.67%50.00%4.55%54.55%-6.45%3.13%3.13%-21.21%-10.71%19.23%-15.38%21.74%12.00%-50.00%16.67%-14.29%-13.79%-26.67%-27.59%25.00%-
Timing-----------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap113.89M
Enterprise Value223.83M
Trailing P/E17.74
Forward P/E10.17
PEG Ratio4.00
Price / Sales2.80
Price / Book0.92
EPS1.03
Book Value20.15
Revenue (TTM)40.61M
Gross Profit (TTM)40.61M
Profit Margin16.39%
Operating Margin29.02%
Return on Equity5.22%
Return on Assets0.54%
Shares Outstanding6.23M
Shares Float4.22M
Beta0.32
Dividend Yield3.04%
Dividend Rate0.56
Payout Ratio54.37%

Analyst Ratings

Hold
Based on 2 analystsTarget 18.50
  • Hold
    2

Ownership Breakdown

Institutions
51.24%
Insiders
20.91%
Retail / Other
27.85%

Top Institutional Holders

  • Dimensional Fund Advisors, Inc.
    490.82K7.87%
  • Raffles Associates LP
    391.12K6.27%
  • Fourthstone LLC
    369.97K5.93%
  • Manufacturers Life Insurance Co
    306.43K4.92%
  • M3F, Inc.
    284.59K4.57%
  • Ameriprise Financial Inc
    282.83K4.54%
  • BlackRock Inc
    275.94K4.43%
  • Vanguard Capital Management, LLC
    240.09K3.85%
  • Renaissance Technologies Corp
    212.35K3.41%
  • Bridgeway Capital Management, LLC
    69.05K1.11%
  • Geode Capital Management, LLC
    57.40K0.92%

Top Fund Holders

  • Columbia Small Cap Value Discv A
    213.43K3.42%
  • Vanguard MStar Total Stk Mkt Idx Invest
    174.62K2.80%
  • DFA US Small Cap Value I
    169.39K2.72%
  • JHancock Regional Bank A
    167.71K2.69%
  • JH Financial Opportunities
    104.56K1.68%
  • DFA US Micro Cap I
    63.68K1.02%
  • DFA US Targeted Value I
    48.43K0.78%
  • DFA US Small Cap I
    45.78K0.73%
  • Columbia VP Small Cap Value Discovery 1
    38.92K0.62%

Dividends

20264×
0.14Nov 12, 20260.14Aug 13, 20260.14May 14, 20260.14Feb 12, 2026
20254×
0.14Nov 13, 20250.14Aug 14, 20250.14May 15, 20250.14Feb 13, 2025
20244×
0.14Nov 14, 20240.14Aug 15, 20240.14May 15, 20240.14Feb 14, 2024
20234×
0.14Nov 15, 20230.14Aug 16, 20230.14May 17, 20230.14Feb 13, 2023
20224×
0.14Nov 16, 20220.14Aug 17, 20220.14May 18, 20220.14Feb 14, 2022
20214×
0.14Nov 17, 20210.14Aug 11, 20210.14May 17, 20210.14Feb 17, 2021

Stock Splits

  • Feb 3, 20043:2
  • Jul 15, 20023:2