Explore 3 Stock Ideas & Industry Insights Download Free Report

Provident Financial Holdings Inc

Financial Services US PROV

17.17USD
0.38(2.26%)

Last update at 2026-06-09T15:10:00Z

Day Range

16.9017.36
LowHigh

52 Week Range

9.8315.08
LowHigh

Fundamentals

  • Previous Close 16.79
  • Market Cap87.63M
  • Volume3893
  • P/E Ratio12.49
  • Dividend Yield4.40%
  • Revenue TTM39.42M
  • Revenue Per Share TTM5.64
  • Gross Profit TTM 38.77M
  • Diluted EPS TTM1.02

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax 12.42M 12.86M 10.19M 10.90M 5.92M
Minority interest - - - - -
Net income 8.59M 9.09M 7.56M 7.69M 4.42M
Selling general administrative 18.39M 16.38M 15.71M 19.14M 30.74M
Selling and marketing expenses 0.62M 0.64M 0.68M 0.77M 0.98M
Gross profit 41.06M 36.31M 35.21M 40.92M 50.68M
Reconciled depreciation 3.19M 4.85M 6.27M 3.39M 3.08M
Ebit 9.23M 15.99M 10.19M 10.90M 12.13M
Ebitda 12.42M 20.84M 16.45M 14.29M 15.20M
Depreciation and amortization 3.19M 4.85M 6.27M 3.39M 3.08M
Non operating income net other - - - - -
Operating income 12.42M 15.99M 10.19M 10.90M 12.13M
Other operating expenses 28.64M 0.64M 25.02M 30.02M 38.55M
Interest expense 9.01M 3.13M 4.56M 6.05M 6.21M
Tax provision 3.82M 3.77M 2.63M 3.21M 1.50M
Interest income 45.99M 34.73M 35.20M 42.46M 44.38M
Net interest income 36.98M 31.59M 30.64M 36.40M 38.17M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 3.82M 3.77M 2.63M 3.21M 1.50M
Total revenue 41.06M 36.31M 35.21M 40.92M 50.68M
Total operating expenses -28.64400M 0.64M -25.02500M -30.01900M -38.55300M
Cost of revenue - - - - -
Total other income expense net - -3.13500M -4.56200M -6.05500M -6.20800M
Discontinued operations - - - - -
Net income from continuing ops 8.59M 9.09M 7.56M 7.69M 4.42M
Net income applicable to common shares 8.59M 9.09M 7.56M 7.69M 4.42M
Preferred stock and other adjustments - - - - -
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Total assets 1332.95M 1187.04M 1183.60M 1176.84M 1084.85M
Intangible assets - - - - 0.63M
Earning assets - - - - 108.26M
Other current assets - 1.13M -8.86800M -13.31000M 88.12M
Total liab 1203.26M 1058.39M 1056.32M 1052.86M 964.21M
Total stockholder equity 129.69M 128.65M 127.28M 123.98M 120.64M
Deferred long term liab - - - - -
Other current liab -167.69000M -17.88400M -17.36000M -18.84500M -21.83100M
Common stock 0.18M 0.18M 0.18M 0.18M 0.18M
Capital stock 0.18M 0.18M 0.18M 0.18M 0.18M
Retained earnings 207.27M 202.68M 197.73M 194.34M 190.84M
Other liab 0.27M 0.17M 0.12M 0.18M 0.20M
Good will - - - - -
Other assets 1095.51M 960.74M 870.47M 919.22M 896.54M
Cash 65.85M 23.41M 70.27M 116.03M 70.63M
Cash and equivalents - - - - -
Total current liabilities 167.69M 17.88M 17.36M 18.84M 21.83M
Current deferred revenue - - - - -
Net debt 169.16M 61.59M 30.71M 25.01M 30.48M
Short term debt 150.01M 85.00M 100.98M 141.05M 101.11M
Short long term debt 150.01M - - - -
Short long term debt total 235.01M 85.00M 100.98M 141.05M 101.11M
Other stockholder equity -77.73200M -74.21500M -70.70800M -70.65400M -70.54000M
Property plant equipment 9.23M 8.83M 9.38M 10.25M 8.23M
Total current assets 71.72M 29.06M 76.86M 124.02M 80.03M
Long term investments 156.49M 188.42M 226.89M 123.34M 879.92M
Net tangible assets 129.69M 128.65M 127.28M 123.98M 120.64M
Short term investments 2.15M 2.68M 3.59M 4.72M 5.97M
Net receivables 3.71M 2.97M 3.00M 3.27M 3.42M
Long term debt 85.00M 85.00M 100.98M 141.05M 101.11M
Inventory - - - - -
Accounts payable 17.68M 17.88M 17.36M 18.84M 21.83M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -0.03800M 0.00200M 0.07M 0.10M 0.16M
Additional paid in capital - - - - -
Common stock total equity 0.18M 0.18M 0.18M 0.18M 0.18M
Preferred stock total equity - - - - -
Retained earnings total equity 207.27M 202.68M 197.73M 194.34M 190.84M
Treasury stock -177.23700M -173.04100M -168.68600M -166.24700M -164.89100M
Accumulated amortization - - - - -
Non currrent assets other -165.72300M -197.24700M -236.27000M -133.59800M -108.28500M
Deferred long term asset charges - - - - -
Non current assets total 165.72M 197.25M 236.27M 133.60M 108.28M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Investments 29.82M 36.74M -105.55000M -23.57000M 35.03M
Change to liabilities 0.12M 0.48M -0.65800M -3.08600M 1.86M
Total cashflows from investing activities -109.89600M -51.74600M -55.87200M -48.90700M 17.29M
Net borrowings 150.01M -15.98300M -40.06400M 39.94M -25.05600M
Total cash from financing activities 136.01M -6.90300M -1.46500M 86.36M -97.05100M
Change to operating activities 1.63M -2.10900M -2.67200M -2.79700M 0.77M
Net income 8.59M 9.09M 7.56M 7.69M 4.42M
Change in cash 42.44M -46.85600M -45.76400M 45.40M 27.33M
Begin period cash flow 23.41M 70.27M 116.03M 70.63M 43.30M
End period cash flow 65.85M 23.41M 70.27M 116.03M 70.63M
Total cash from operating activities 16.32M 11.79M 11.57M 7.95M 107.09M
Issuance of capital stock - - - - -
Depreciation 3.19M 4.85M 6.27M 3.39M 3.08M
Other cashflows from investing activities -138.97000M -88.32000M -0.18500M -25.10800M -17.28800M
Dividends paid 4.00M 4.15M 4.17M 4.18M 4.19M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -4.64800M -4.30500M -2.33600M -1.28300M -1.41200M
Other cashflows from financing activities -0.42400M 22.53M -0.87700M -0.03200M -0.61500M
Change to netincome 2.42M 1.94M 1.08M 1.64M 96.96M
Capital expenditures 0.74M 0.17M 0.23M 0.23M 0.45M
Change receivables - - - - -
Cash flows other operating 2.01M -4.57100M -3.38000M -1.67800M 0.77M
Exchange rate changes - - - - -
Cash and cash equivalents changes 42.44M -46.85600M -45.76400M 45.40M 27.33M
Change in working capital 1.75M -1.62500M -3.33000M -5.88300M 2.64M
Stock based compensation 1.19M 0.80M 1.30M 0.95M 0.87M
Other non cash items 0.37M -2.46200M -0.70800M 1.25M 95.44M
Free cash flow 15.58M 11.63M 11.35M 7.72M 106.64M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
PROV
Provident Financial Holdings Inc
0.38 2.26% 17.17 12.49 8.64 2.32 0.71
HDB
HDFC Bank Limited ADR
0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
-0.24 0.78% 30.47 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
-0.03 0.06% 50.45 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. The company's deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. It also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. The company operates through full-service banking offices in Riverside County and San Bernardino County. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California.

Provident Financial Holdings Inc

3756 Central Avenue, Riverside, CA, United States, 92506

Key Executives

Name Title Year Born
Mr. Craig G. Blunden Chairman & CEO 1948
Mr. Donavon P. Ternes Pres, COO, CFO & Corp. Sec. 1960
Ms. Gwendolyn L. Wertz Sr. VP of Retail Banking Division 1966
Mr. Robert Ritter Sr. VP of Single-family Division 1969
Mr. Donavon P. Ternes President & CEO 1960
Ms. Tam B. Nguyen Senior VP, CFO & Corporate Secretary NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.