Provident Financial Company Insiders
| PROV Stock | USD 16.41 0.10 0.61% |
Provident Financial employs about 94 people. The company is managed by 6 executives with a total tenure of roughly 44 years, averaging almost 7.0 years of service per executive, having 15.67 employees per reported executive. Recap of Provident Financial's management performance can provide insight into the venture performance.
| Craig Blunden Chairman Chairman, CEO, Chairman of Provident Savings Bank, CEO of Provident Savings Bank and Director of the Federal Home Loan Bank of San Francisco |
| Donavon Ternes President President, CFO, COO, Corporate Secretary and President of Provident Savings Bank, COO of Provident Savings Bank, CFO of Provident Savings Bank and Corporate Secretary of Provident Savings Bank |
Provident |
Provident Financial's Workforce Through the Years
Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Provident Financial's future performance. Based on our forecasts, it is anticipated that Provident will maintain a workforce of slightly above 280 employees by January 2025.Provident Financial Management Team Effectiveness
At this time, Provident Financial's Return On Tangible Assets are fairly stable compared to the past year. Return On Assets is likely to climb to 0.01 in 2024, whereas Return On Capital Employed is likely to drop 0.01 in 2024. At this time, Provident Financial's Asset Turnover is fairly stable compared to the past year. Provident Financial's management efficiency ratios could be used to measure how well Provident Financial manages its routine affairs as well as how well it operates its assets and liabilities.Net Income Applicable To Common Shares is likely to climb to about 7.9 M in 2024, whereas Common Stock Shares Outstanding is likely to drop slightly above 6.7 M in 2024.
Provident Financial Workforce Comparison
Provident Financial Holdings is rated below average in number of employees category among its peers. The total workforce of Financials industry is at this time estimated at about 2,372. Provident Financial holds roughly 94.0 in number of employees claiming about 4% of equities under Financials industry.
Provident Financial Profit Margins
The company has Profit Margin (PM) of 0.19 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.28 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.28.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Net Profit Margin | 0.18 | 0.1888 |
|
| |||||
| Pretax Profit Margin | 0.3 | 0.2668 |
|
| |||||
| Return On Assets | 0.0078 | 0.0058 |
|
| |||||
| Return On Equity | 0.0773 | 0.0566 |
|
|
Provident Financial Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Provident Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Provident Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Provident Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2024-12-01 | 2.0 | 2 | 1 | 15,000 | 1,059 |
| 2023-12-01 | 2.0 | 4 | 2 | 30,000 | 0.00 |
| 2021-12-01 | 2.0 | 2 | 1 | 15,000 | 0.00 |
| 2021-03-01 | 0.4167 | 5 | 12 | 123,000 | 202,907 |
| 2018-09-01 | 1.0 | 1 | 1 | 1,000.00 | 1,000.00 |
| 2018-03-01 | 0.4 | 2 | 5 | 54,000 | 89,000 |
| 2017-09-01 | 2.0 | 2 | 1 | 15,075 | 11,000 |
| 2017-06-01 | 0.5 | 1 | 2 | 10,000 | 15,600 |
| 2017-03-01 | 2.3333 | 7 | 3 | 26,000 | 41,375 |
| 2016-12-01 | 0.25 | 1 | 4 | 9,000 | 20,909 |
| 2016-09-01 | 1.5 | 3 | 2 | 36,000 | 1,000.00 |
| 2016-03-01 | 0.5 | 2 | 4 | 19,000 | 32,200 |
| 2015-09-01 | 2.0 | 2 | 1 | 5,200 | 3,800 |
| 2015-06-01 | 0.4444 | 4 | 9 | 38,000 | 79,820 |
| 2014-09-01 | 17.0 | 17 | 1 | 352,500 | 1,000.00 |
| 2014-03-01 | 2.0 | 2 | 1 | 35,000 | 0.00 |
| 2013-12-01 | 0.4 | 2 | 5 | 19,000 | 38,000 |
| 2013-03-01 | 0.5 | 1 | 2 | 9,000 | 11,000 |
| 2012-12-01 | 1.0 | 1 | 1 | 20,000 | 10,000 |
| 2012-09-01 | 0.4286 | 3 | 7 | 27,000 | 52,800 |
| 2011-09-01 | 0.5 | 1 | 2 | 3,712 | 3,200 |
| 2008-12-01 | 0.0714 | 1 | 14 | 5,905 | 154,388 |
| 2008-09-01 | 3.6 | 18 | 5 | 214,100 | 62,760 |
| 2007-09-01 | 6.0 | 6 | 1 | 71,500 | 7,500 |
| 2007-03-01 | 1.9167 | 23 | 12 | 240,854 | 129,092 |
| 2006-09-01 | 7.0 | 7 | 1 | 59,000 | 0.00 |
| 2006-06-01 | 1.0 | 1 | 1 | 45,000 | 45,000 |
| 2006-03-01 | 0.4444 | 4 | 9 | 279,125 | 328,074 |
| 2005-12-01 | 0.2 | 1 | 5 | 46,125 | 58,525 |
| 2005-09-01 | 0.8571 | 6 | 7 | 9,000 | 28,125 |
| 2005-06-01 | 2.0 | 2 | 1 | 50,000 | 25,000 |
| 2004-12-01 | 0.5 | 5 | 10 | 17,100 | 26,676 |
| 2004-09-01 | 2.6667 | 8 | 3 | 35,500 | 35,000 |
| 2004-06-01 | 6.0 | 12 | 2 | 168,000 | 7,000 |
| 2003-12-01 | 0.25 | 2 | 8 | 37,000 | 48,707 |
| 2003-09-01 | 3.3333 | 20 | 6 | 90,250 | 50,511 |
Provident Financial Notable Stakeholders
A Provident Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Provident Financial often face trade-offs trying to please all of them. Provident Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Provident Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
| Craig Blunden | Chairman, CEO, Chairman of Provident Savings Bank, CEO of Provident Savings Bank and Director of the Federal Home Loan Bank of San Francisco | Profile | |
| Donavon Ternes | President, CFO, COO, Corporate Secretary and President of Provident Savings Bank, COO of Provident Savings Bank, CFO of Provident Savings Bank and Corporate Secretary of Provident Savings Bank | Profile | |
| Robert Ritter | Senior Vice President - Mortgage Banking for the Bank | Profile | |
| Tamhao Nguyen | CFO VP | Profile | |
| Tam Nguyen | CFO VP | Profile | |
| Gwendolyn Wertz | Sr. VP of Retail Banking - Provident Savings Bank | Profile |
About Provident Financial Management Performance
The success or failure of an entity such as Provident Financial often depends on how effective the management is. Provident Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Provident management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Provident management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.01 | 0.01 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.06 | 0.08 |
Please note, the imprecision that can be found in Provident Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Provident Financial Holdings. Check Provident Financial's Beneish M Score to see the likelihood of Provident Financial's management manipulating its earnings.
Provident Financial Workforce Analysis
Traditionally, organizations such as Provident Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Provident Financial within its industry.Provident Financial Manpower Efficiency
Return on Provident Financial Manpower
| Revenue Per Employee | 414.1K | |
| Revenue Per Executive | 6.5M | |
| Net Income Per Employee | 78.2K | |
| Net Income Per Executive | 1.2M |
Additional Tools for Provident Stock Analysis
When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.