Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PROV
HoldHot AirProvident Financial Holdings, Inc. · Financial Services · United States · $115M · Avg Vol: $300K/d
COMPANY DESCRIPTION
Provident Financial Holdings, Inc. is the holding company for Provident Savings Bank, F.A., a community-oriented financial institution primarily serving the Inland Empire region of Southern California. The bank offers a variety of retail and business banking services. It maintains a competitive position through its focus on local customer relationships and tailored financial products within its regional market.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 36.3M | 41.1M | 38.9M | 39.0M | 2.4% | 40.6M | 40.3M | 40.4M | 1.2% |
| EPS | 1.01 | 1.23 | 1.20 | 1.06 | 0.95 | -1.5% | 1.03 | 1.13 | 1.17 | 7.2% |
| Shares | — | 7.3M | 7.0M | 6.8M | 6.6M | -9.7% | 6.2M | — | — | — |
| Debt | — | 85.0M | 235.0M | 238.5M | 213.1M | 35.8% | 159.1M | — | — | — |
| Equity | — | 128.7M | 129.7M | 129.9M | 128.5M | -0.0% | — | — | — | — |
| Op CF | — | 11.8M | 16.3M | 5.7M | 8.7M | -9.7% | 9.0M | — | — | — |
| Inv CF | — | -51.7M | -109.9M | 45.1M | 26.5M | — | — | — | — | — |
| Fin CF | — | -6.9M | 136.0M | -65.2M | -33.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PROV are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PROV | Provident Financial Holdings, Inc.(you) | $115M | 59 | Hold |
| SFBC | Sound Financial Bancorp, Inc. | $120M | 64 | Hold |
| BYFC | Broadway Financial Corporation | $114M | 52 | Hold |
| PBHC | Pathfinder Bancorp, Inc. | $101M | 63 | Hold |
| UBCP | United Bancorp, Inc. | $90M | 61 | Hold |
| UNB | Union Bankshares, Inc. | $117M | 71 | Buy |
| RBKB | Rhinebeck Bancorp, Inc. | $197M | 60 | Hold |
| EBMT | Eagle Bancorp Montana, Inc. | $181M | 63 | Hold |
| CPBI | Central Plains Bancshares, Inc. | $82M | 67 | Buy |
| MNSB | MainStreet Bancshares, Inc. | $179M | 66 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%