Provident Financial Holdings Inc - Understand $prov stock

$PROV Market Cap: $110 Million

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Financial Snapshot

Revenue

$41.55M

TTM

Gross Margin

Net Earnings

$7.489M

TTM

Current Assets

Current Liabilities

$14.41M

Q3 2024

Current Ratio

Total Assets

$1.257B

Q3 2024

Total Liabilities

$1.128B

Q3 2024

Book Value

$129.6M

Q3 2024

Cash

$48.19M

Q3 2024

P/E

14.68

Nov 29, 2024 EST

Free Cash Flow

$3.684M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$54.73M	$45.99M	$34.73M	$35.20M	$42.46M		$42.71M	$42.42M	$39.30M	$39.70M	$38.06M	$44.16M	$51.44M	$58.69M
YoY Change	19.0%	32.43%	-1.34%	-17.09%			0.7%	7.92%	-0.99%	4.3%	-13.82%	-14.14%	-12.36%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2020	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$54.73M	$45.99M	$34.73M	$35.20M	$42.46M	$42.71M	$42.42M	$39.30M	$39.70M	$38.06M	$44.16M	$51.44M	$58.69M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.600M	$1.400M	$1.500M	$1.600M	$1.500M	$3.100M	$845.0K	$891.0K	$891.0K	$1.300M	$1.000M	$1.000M	$800.0K	$806.0K	$1.500M	$2.000M	$2.400M	$2.200M	$3.200M	$3.500M	$4.400M	$6.000M	$2.300M	$2.300M	$2.100M	$400.0K	-$100.0K	$800.0K	$1.100M	$1.400M
YoY Change	14.29%	-6.67%	-6.25%	6.67%	-51.61%	266.86%	-5.16%	0.0%	-31.46%	30.0%	0.0%	25.0%	-0.74%	-46.27%	-25.0%	-16.67%	9.09%	-31.25%	-8.57%	-20.45%	-26.67%	160.87%	0.0%	9.52%	425.0%	-500.0%	-112.5%	-27.27%	-21.43%	-17.65%
% of Gross Profit
Operating Expenses						$10.05M	$13.25M	$11.98M	$11.00M	$11.69M	$11.66M	$12.46M	$12.32M	$12.14M
YoY Change						-24.15%	10.57%	8.89%	-5.83%	0.25%	-6.46%	1.15%	1.51%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$9.007M	$3.135M	$4.562M	$6.055M	$6.412M	$6.679M	$6.975M	$6.421M	$7.336M	$10.80M	$14.71M	$20.94M
YoY Change	187.3%	-31.28%	-24.66%		-4.0%	-4.24%	8.63%	-12.47%	-32.1%	-26.53%	-29.78%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$10.39M	$12.42M	$12.86M	$10.19M	$10.90M	$5.900M	$5.527M	$8.816M	$12.85M	$17.08M	$11.61M	$42.71M	$18.74M	$23.27M	$1.900M	-$14.70M	$3.200M	$19.60M	$35.30M	$31.90M	$26.80M	$28.20M	$15.60M	$15.20M	$12.60M	$18.00M	$8.700M	$3.100M	$4.100M	-$5.700M
YoY Change	-16.34%	-3.44%	26.22%	-6.56%	84.78%	6.75%	-37.31%	-31.37%	-24.79%	47.11%	-72.82%	127.95%	-19.47%	1124.68%	-112.93%	-559.38%	-83.67%	-44.48%	10.66%	19.03%	-4.96%	80.77%	2.63%	20.63%	-30.0%	106.9%	180.65%	-24.39%	-171.93%	185.0%
Income Tax	$3.036M	$3.824M	$3.765M	$2.626M	$3.213M	$1.503M	$3.396M	$3.609M	$5.372M	$7.277M	$5.004M	$16.92M	$7.928M	$10.05M	$700.0K	-$7.200M	$2.400M	$9.100M	$15.70M	$14.10M	$11.70M	$11.40M	$6.500M	$6.400M	$5.300M	$7.600M	$3.700M	$1.200M	$1.300M	-$1.700M
% Of Pretax Income	29.23%	30.8%	29.28%	25.78%	29.47%	25.47%	61.44%	40.94%	41.82%	42.61%	43.1%	39.6%	42.31%	43.19%	36.84%		75.0%	46.43%	44.48%	44.2%	43.66%	40.43%	41.67%	42.11%	42.06%	42.22%	42.53%	38.71%	31.71%
Net Earnings	$7.351M	$8.592M	$9.093M	$7.561M	$7.689M	$4.400M	$2.131M	$5.207M	$7.474M	$9.803M	$6.606M	$25.80M	$10.81M	$13.22M	$1.100M	-$7.400M	$900.0K	$10.50M	$19.60M	$17.80M	$15.10M	$16.90M	$9.100M	$8.900M	$7.300M	$10.50M	$5.000M	$1.900M	$2.800M	-$4.000M
YoY Change	-14.44%	-5.51%	20.26%	-1.66%	74.75%	106.48%	-59.07%	-30.33%	-23.76%	48.4%	-74.39%	138.64%	-18.23%	1101.82%	-114.86%	-922.22%	-91.43%	-46.43%	10.11%	17.88%	-10.65%	85.71%	2.25%	21.92%	-30.48%	110.0%	163.16%	-32.14%	-170.0%	207.69%
Net Earnings / Revenue	13.43%	18.68%	26.18%	21.48%	18.11%		4.99%	12.28%	19.02%	24.7%	17.36%	58.42%	21.02%	22.53%
Basic Earnings Per Share	$1.06	$1.20	$1.23	$1.01	$1.03		$0.28	$0.66	$0.90	$1.09	$0.67	$2.43	$0.96	$1.16
Diluted Earnings Per Share	$1.06	$1.20	$1.221M	$1.00	$1.01	$578.9K	$0.28	$0.64	$0.88	$1.07	$0.65	$2.38	$0.96	$1.16	$123.6K	-$1.194M	$145.2K	$1.567M	$2.800M	$2.507M	$2.097M	$2.195M	$1.123M	$1.099M	$879.5K	$1.129M	$495.0K	$177.6K	$243.5K	-$347.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$9.313M	$9.231M	$8.826M	$9.400M	$10.30M	$8.200M	$8.700M	$6.600M	$6.000M	$5.400M	$6.400M	$6.700M	$6.600M	$4.800M	$5.800M	$6.300M	$6.500M	$7.100M	$6.900M	$7.400M	$7.900M	$8.000M	$8.100M	$7.600M	$7.500M	$8.400M	$7.400M	$6.800M	$7.100M	$7.500M
YoY Change	0.89%	4.59%	-6.11%	-8.74%	25.61%	-5.75%	31.82%	10.0%	11.11%	-15.63%	-4.48%	1.52%	37.5%	-17.24%	-7.94%	-3.08%	-8.45%	2.9%	-6.76%	-6.33%	-1.25%	-1.23%	6.58%	1.33%	-10.71%	13.51%	8.82%	-4.23%	-5.33%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$606.0K	$218.0K	$1.432M	$2.500M	$3.000M
YoY Change	177.98%	-84.78%	-42.72%	-16.67%
Total Long-Term Assets
YoY Change
Total Assets	$1.272B	$1.333B	$1.187B	$1.184B	$1.177B	$1.085B	$1.176B	$1.201B	$1.171B	$1.175B	$1.106B	$1.211B	$1.261B	$1.314B	$1.399B	$1.580B	$1.632B	$1.649B	$1.623B	$1.632B	$1.319B	$1.262B	$1.005B	$1.117B	$1.148B	$957.4M	$816.2M	$615.5M	$584.8M	$567.2M
YoY Change
Accounts Payable	$15.41M	$17.68M	$15.89M	$15.20M	$16.20M	$21.80M	$21.30M	$19.70M	$20.20M	$18.00M	$20.50M	$21.60M	$28.20M	$20.40M	$29.10M	$18.80M	$16.70M	$16.00M	$22.50M	$29.70M	$33.10M	$32.60M	$22.40M	$24.10M	$20.70M	$20.40M	$14.40M	$14.50M	$10.90M	$8.200M
YoY Change	-12.84%	11.3%	4.51%	-6.17%	-25.69%	2.35%	8.12%	-2.48%	12.22%	-12.2%	-5.09%	-23.4%	38.24%	-29.9%	54.79%	12.57%	4.38%	-28.89%	-24.24%	-10.27%	1.53%	45.54%	-7.05%	16.43%	1.47%	41.67%	-0.69%	33.03%	32.93%
Accrued Expenses	$1.407M	$2.169M	$1.998M	$2.200M	$2.600M
YoY Change	-35.13%	8.56%	-9.18%	-15.38%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$15.41M	$17.68M	$17.88M	$17.40M	$18.80M	$21.80M	$21.30M	$19.70M	$20.20M	$18.00M	$20.50M	$21.60M	$28.20M	$20.40M	$29.10M	$18.80M	$16.70M	$16.00M	$22.50M	$29.70M	$33.10M	$32.60M	$22.40M	$24.10M	$20.70M	$20.40M	$14.40M	$14.50M	$10.90M	$8.200M
YoY Change	-12.84%	-1.14%	2.78%	-7.45%	-13.76%	2.35%	8.12%	-2.48%	12.22%	-12.2%	-5.09%	-23.4%	38.24%	-29.9%	54.79%	12.57%	4.38%	-28.89%	-24.24%	-10.27%	1.53%	45.54%	-7.05%	16.43%	1.47%	41.67%	-0.69%	33.03%	32.93%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Total Liabilities	$1.142B	$1.203B	$1.058B	$1.056B	$1.053B	$964.2M	$1.055B	$1.072B	$1.038B	$1.033B	$959.8M	$1.051B	$1.116B	$1.173B	$1.272B	$1.465B	$1.509B	$1.520B	$1.486B	$1.509B	$1.209B	$1.155B	$902.3M	$1.020B	$1.059B	$867.7M	$729.6M	$530.1M	$498.9M	$529.9M
YoY Change	-5.07%	13.69%	0.2%	0.32%	9.2%	-8.62%	-1.61%	3.32%	0.44%	7.67%	-8.69%	-5.82%	-4.83%	-7.78%	-13.18%	-2.9%	-0.76%	2.27%	-1.51%	24.81%	4.72%	27.96%	-11.54%	-3.66%	22.02%	18.93%	37.63%	6.25%	-5.85%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	6.943M	7.143M	7.404M	7.465M	7.468M	7.542B shares	7.918B shares	8.348B shares	8.997B shares	9.926B shares	10.60B shares	11.22B shares	11.39B shares
Diluted Shares Outstanding	6.959M	7.192M	7.449M	7.538M	7.576M	7.700B shares	8.099B shares	8.542B shares	9.174B shares	10.11B shares	10.84B shares	11.29B shares	11.42B shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $109.97 Million

About PROVIDENT FINANCIAL HOLDINGS INC

Provident Financial Holdings, Inc. engages in the provision of financial services. The company is headquartered in Riverside, California and currently employs 160 full-time employees. (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. The company operates 12 full-service banking offices in Riverside County.

Industry: Savings Institution, Federally Chartered Peers: CF BANKSHARES INC. ECB Bancorp, Inc. /MD/ HMN FINANCIAL INC Magyar Bancorp, Inc. Rhinebeck Bancorp, Inc. Rocket Companies, Inc. SECURITY NATIONAL FINANCIAL CORP