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About the company
Provident Financial Holdings, Inc. is a holding company of Provident Savings Bank, F.S.B. (the Bank). The Bank is a federally chartered stock savings bank. The Bank is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The Bank conducts its business operations as Provident Bank, and through its subsidiary, Provident Financial Corp. The business activities of the Bank include community banking, investment services and trustee services for real estate transactions. The Bank’s community banking operations include accepting deposits from customers within the communities surrounding its full-service offices and investing those funds in the origination of single-family, multi-family and commercial real estate loans and, to a lesser extent, construction, commercial business, consumer and other mortgage loans to be held for investment. It operates 12 full-service banking offices in Riverside County.
- Revenue in USD (TTM)55.46m
- Net income in USD7.49m
- Incorporated1996
- Employees160.00
- LocationProvident Financial Holdings Inc3756 Central AveRIVERSIDE 92506-2421United StatesUSA
- Phone+1 (909) 686-6060
- Fax+1 (302) 655-5049
- Websitehttps://ir.myprovident.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Territorial Bancorp Inc | 72.09m | -2.25m | 94.86m | 232.00 | -- | 0.3814 | -- | 2.61 | -0.2609 | -0.2609 | 4.23 | 28.16 | -- | -- | -- | -- | -0.1016 | 0.7438 | -- | -- | -- | -- | -6.16 | 26.76 | -- | -- | -- | 60.73 | 10.18 | -1.18 | -68.99 | -23.60 | 13.54 | -2.50 |
| Northway Financial Inc | -100.00bn | -100.00bn | 100.30m | 249.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.17 | -- | -- | -- | -- | -- | 2.09 | -- | 18.30 | -- | 1.81 |
| First Northwest BanCorp | 110.45m | -9.30m | 100.44m | 270.00 | -- | 0.625 | -- | 1.55 | -1.05 | -1.05 | 7.32 | 17.17 | -- | -- | -- | -- | -0.423 | 0.5772 | -- | -- | -- | -- | -14.40 | 15.41 | -- | -- | -- | 22.45 | 25.53 | 17.11 | -85.33 | -20.37 | -11.17 | 56.32 |
| Croghan Bancshares, Inc. | 48.20m | 9.92m | 102.84m | 211.00 | 10.44 | 0.7872 | -- | 2.47 | 4.69 | 4.69 | 19.68 | 62.26 | -- | -- | -- | -- | 0.8845 | 1.29 | -- | -- | -- | -- | 23.85 | 30.45 | -- | -- | -- | 35.06 | 19.43 | 6.34 | -23.13 | -2.14 | 7.67 | 7.48 |
| Bogota Financial Corp | 40.72m | -2.42m | 103.29m | 68.00 | -- | 0.7553 | -- | 8.46 | -0.1931 | -0.1931 | 0.9643 | 10.46 | -- | -- | -- | -- | -0.2538 | 0.4767 | -- | -- | -- | -- | -19.82 | 21.59 | -- | -- | -- | 0.00 | 22.85 | 11.14 | -90.66 | -31.10 | -9.50 | -- |
| CSB Bancorp Inc (Ohio) | 50.72m | 11.39m | 103.71m | 161.00 | 9.13 | 0.9018 | -- | 2.38 | 4.27 | 4.27 | 16.37 | 43.25 | -- | -- | -- | -- | 0.9629 | 1.17 | -- | -- | -- | -- | 26.10 | 32.25 | -- | -- | -- | 28.27 | 32.16 | 9.20 | 10.84 | 9.41 | -20.45 | 8.89 |
| BNCCorp Inc | 46.06m | 7.82m | 105.30m | 144.00 | 13.61 | 0.9772 | 11.84 | 2.84 | 2.20 | 2.20 | 10.41 | 30.60 | -- | -- | -- | -- | 0.8513 | 1.78 | -- | -- | -- | -- | 21.10 | 25.84 | -- | -- | -- | -- | 28.75 | 4.65 | -12.23 | -3.55 | -15.46 | -- |
| PB Financial Corp | 25.73m | 9.00m | 105.42m | -- | 10.72 | 1.45 | -- | 4.10 | 3.94 | 3.94 | 11.23 | 29.09 | 0.0412 | -- | -- | -- | 1.44 | 1.60 | 6.71 | 9.71 | -- | -- | 35.00 | 31.68 | -- | 2.81 | 0.9052 | 24.69 | 49.55 | 23.85 | -2.37 | 19.57 | -15.42 | 29.92 |
| Dimeco Inc | 25.47m | 5.98m | 105.67m | 122.00 | 22.94 | 1.58 | -- | 4.00 | 1.82 | 1.82 | 8.09 | 26.47 | -- | -- | -- | -- | 0.9865 | -- | -- | -- | -- | -- | 22.63 | -- | -- | -- | -- | -- | 25.12 | -- | -12.26 | -- | -- | -- |
| Provident Financial Holdings, Inc. | 55.46m | 7.49m | 106.72m | 160.00 | 14.58 | 0.8242 | 9.89 | 2.77 | 1.08 | 1.08 | 5.56 | 19.15 | -- | -- | -- | -- | 0.5827 | 0.6649 | -- | -- | -- | -- | 19.46 | 20.94 | -- | -- | -- | 50.61 | 19.00 | 4.28 | -14.44 | 10.72 | 28.76 | 0.00 |
| Benchmark Bankshares Inc | 57.79m | 13.87m | 107.57m | 106.00 | 7.71 | 1.03 | 13.93 | 1.81 | 3.08 | 3.08 | 13.24 | 23.00 | -- | -- | -- | -- | 1.19 | -- | -- | -- | -- | -- | 23.30 | -- | -- | -- | -- | -- | 27.97 | -- | 16.17 | -- | -- | -- |
| Rhinebeck Bancorp Inc | 63.04m | -5.04m | 108.10m | 164.00 | -- | 0.8813 | -- | 3.46 | -0.4693 | -0.4693 | 2.90 | 11.06 | -- | -- | -- | -- | -0.3902 | 0.5987 | -- | -- | -- | -- | -16.11 | 15.77 | -- | -- | -- | 0.00 | 24.83 | 12.45 | -37.19 | 0.1738 | -12.79 | -- |
| Riverview Bancorp Inc | 57.90m | 1.01m | 108.50m | 226.00 | 107.88 | 0.6758 | 26.63 | 2.34 | 0.0477 | 0.0477 | 2.20 | 7.62 | -- | -- | -- | -- | 0.0643 | 0.9448 | -- | -- | -- | -- | 2.17 | 24.39 | -- | -- | -- | 34.02 | 1.60 | 2.55 | -78.98 | -26.13 | 39.93 | 11.38 |
| Main Street Financial Services Corp | 13.87m | 152.53k | 110.11m | -- | 42.86 | 1.04 | -- | 7.94 | 0.3299 | 0.3299 | 3.52 | 13.60 | 0.0142 | -- | -- | -- | 0.0156 | -- | 0.084 | -- | -- | -- | 1.10 | -- | -- | -- | 0.9213 | -- | 17.20 | -- | 2.11 | -- | -- | -- |
| PSB Holdings Inc (Wisconsin) | 69.78m | 9.09m | 114.55m | 127.00 | 12.74 | 1.03 | -- | 2.59 | 2.19 | 2.19 | 10.65 | 28.83 | -- | -- | -- | -- | 0.6574 | 0.9802 | -- | -- | -- | -- | 21.69 | 25.98 | -- | -- | -- | 18.03 | 33.24 | 11.83 | -33.00 | -2.51 | -- | 10.96 |
| Village Bank and Trust Financial Corp. | 38.67m | 7.22m | 116.47m | 141.00 | 16.10 | 1.57 | 14.79 | 3.61 | 4.84 | 4.84 | 21.63 | 49.63 | -- | -- | -- | -- | 0.9715 | 1.07 | -- | -- | -- | -- | 22.36 | 23.02 | -- | -- | -- | 5.72 | 21.05 | 9.57 | -76.91 | -8.09 | 25.61 | -- |
Data as of Nov 20 2024. Currency figures normalised to Provident Financial Holdings Inc's reporting currency: US Dollar USD
43.05%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| M3F, Inc.as of 30 Sep 2024 | 500.00k | 7.39% |
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 471.00k | 6.96% |
| Raffles Capital Management LLCas of 30 Sep 2024 | 393.42k | 5.81% |
| Manulife Investment Management (US) LLCas of 30 Sep 2024 | 311.67k | 4.60% |
| Columbia Management Investment Advisers LLCas of 30 Sep 2024 | 289.68k | 4.28% |
| The Vanguard Group, Inc.as of 30 Sep 2024 | 280.25k | 4.14% |
| BlackRock Fund Advisorsas of 30 Sep 2024 | 273.84k | 4.05% |
| Renaissance Technologies LLCas of 30 Sep 2024 | 253.35k | 3.74% |
| Bridgeway Capital Management LLCas of 30 Sep 2024 | 72.07k | 1.07% |
| Fourthstone LLCas of 30 Sep 2024 | 69.05k | 1.02% |
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Data from 30 Sep 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
