Provident Financial Holdings Stock Analysis
| PROV Stock | USD 16.41 0.10 0.61% |
Provident Financial Holdings is fairly valued with Real Value of 16.44 and Target Price of 14.17. The main objective of Provident Financial stock analysis is to determine its intrinsic value, which is an estimate of what Provident Financial Holdings is worth, separate from its market price. There are two main types of Provident Financial's stock analysis: fundamental analysis and technical analysis.
The Provident Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Provident Financial is usually not traded on Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day. Provident Stock trading window is adjusted to America/New York timezone.
Provident |
Provident Stock Analysis Notes
About 19.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.85. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Provident Financial last dividend was issued on the 14th of November 2024. The entity had 3:2 split on the 3rd of February 2004. 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. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California. Provident Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 110 people. To find out more about Provident Financial Holdings contact Craig Blunden at 951 686 6060 or learn more at https://www.myprovident.com.Provident Financial Quarterly Total Revenue |
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Provident Financial Investment Alerts
| About 19.0% of the company outstanding shares are owned by corporate insiders | |
| On 5th of December 2024 Provident Financial paid $ 0.14 per share dividend to its current shareholders | |
| Latest headline from news.google.com: Provident Financials EVP sells 73,080 in common stock - Investing.com |
Provident Financial Upcoming and Recent Events
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 24th of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 24th of July 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 30th of June 2023 Last Financial Announcement | View |
Provident Largest EPS Surprises
Earnings surprises can significantly impact Provident Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2017-04-27 | 2017-03-31 | 0.16 | 0.14 | -0.02 | 12 | ||
1999-07-27 | 1999-06-30 | 0.18 | 0.2 | 0.02 | 11 | ||
2024-10-28 | 2024-09-30 | 0.25 | 0.28 | 0.03 | 12 |
Provident Financial Environmental, Social, and Governance (ESG) Scores
Provident Financial's ESG score is a quantitative measure that evaluates Provident Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Provident Financial's operations that may have significant financial implications and affect Provident Financial's stock price as well as guide investors towards more socially responsible investments.
Provident Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Continental Advisors Llc | 2024-09-30 | 46.3 K | Black Maple Capital Management Lp | 2024-09-30 | 28.6 K | Federated Hermes Inc | 2024-09-30 | 25.8 K | Empowered Funds, Llc | 2024-09-30 | 25.7 K | State Street Corp | 2024-09-30 | 22.2 K | Northern Trust Corp | 2024-09-30 | 21 K | Talbot Financial | 2024-09-30 | 17.9 K | Bank Of New York Mellon Corp | 2024-09-30 | 13.6 K | Royal Bank Of Canada | 2024-09-30 | 11.7 K | M3f, Inc. | 2024-09-30 | 500 K | Dimensional Fund Advisors, Inc. | 2024-09-30 | 485 K |
Provident Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 110.98 M.Provident Profitablity
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.| 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 |
Management Efficiency
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.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 18.72 | 12.06 | |
| Tangible Book Value Per Share | 18.72 | 13.55 | |
| Enterprise Value Over EBITDA | 20.12 | 21.13 | |
| Price Book Value Ratio | 0.66 | 1.06 | |
| Enterprise Value Multiple | 20.12 | 21.13 | |
| Price Fair Value | 0.66 | 1.06 | |
| Enterprise Value | 272.5 M | 275.9 M |
The management team at Provident Financial has a track record of steering the company towards sustained growth. Evaluating their strategies helps in understanding the stock's long-term potential.
Dividend Yield 0.0342 | Operating Margin 0.2812 | Profit Margin 0.1882 | Forward Dividend Yield 0.0342 | Beta 0.375 |
Technical Drivers
As of the 20th of December, Provident Financial holds the Coefficient Of Variation of 709.23, semi deviation of 1.13, and Risk Adjusted Performance of 0.1164. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Provident Financial, as well as the relationship between them. Please check Provident Financial variance and potential upside to decide if Provident Financial is priced some-what accurately, providing market reflects its current price of 16.41 per share. Given that Provident Financial has jensen alpha of 0.1765, we recommend you to check out Provident Financial's recent market performance to make sure the company can sustain itself at a future point.Provident Financial Price Movement Analysis
The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Provident Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Provident Financial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Provident Financial Insider Trading Activities
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 are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Provident Financial Outstanding Bonds
Provident Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Provident Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Provident bonds can be classified according to their maturity, which is the date when Provident Financial Holdings has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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| MPLX LP 4875 Corp BondUS55336VAG59 | View | |
| Provident Financial 7405 Corp BondUS743863AA09 | View | |
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| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| PROVIDENT INC 725 Corp BondUS743862AA26 | View |
Provident Financial Predictive Daily Indicators
Provident Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Provident Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Provident Financial Corporate Filings
F3 | 22nd of November 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
10Q | 7th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
F4 | 1st of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 28th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
8K | 25th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 24th of October 2024 Other Reports | ViewVerify | |
8K | 27th of September 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10K | 30th of August 2024 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
Provident Financial Forecast Models
Provident Financial's time-series forecasting models are one of many Provident Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Provident Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About Provident Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Provident Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Provident shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Provident Financial. By using and applying Provident Stock analysis, traders can create a robust methodology for identifying Provident entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.27 | 0.30 | |
| Operating Profit Margin | 0.27 | 0.25 | |
| Net Profit Margin | 0.19 | 0.18 |
Current Provident Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Provident analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Provident analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 14.17 | Hold | 2 | Odds |
Most Provident analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Provident stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Provident Financial, talking to its executives and customers, or listening to Provident conference calls.
Provident Stock Analysis Indicators
Provident Financial Holdings stock analysis indicators help investors evaluate how Provident Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Provident Financial shares will generate the highest return on investment. By understating and applying Provident Financial stock analysis, traders can identify Provident Financial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 65.8 M | |
| Long Term Debt | 238.5 M | |
| Common Stock Shares Outstanding | 7 M | |
| Total Stockholder Equity | 129.9 M | |
| Tax Provision | 3 M | |
| Quarterly Earnings Growth Y O Y | 0.112 | |
| Property Plant And Equipment Net | 9.3 M | |
| Cash And Short Term Investments | 51.4 M | |
| Cash | 51.4 M | |
| Net Debt | 187.1 M | |
| 50 Day M A | 15.708 | |
| Total Current Liabilities | 521.1 M | |
| Other Operating Expenses | 38.9 M | |
| Non Current Assets Total | 1.2 B | |
| Forward Price Earnings | 11.6009 | |
| Non Currrent Assets Other | 1.1 B | |
| Stock Based Compensation | 240 K |
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.