PROV
Provident Financial Holdings, Inc.
Banks - Regional
Market Cap$109M
5Y Perf.+27.6%
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HOMB
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Stock Comparison
PROV vs HOMB
Revenue, margins, valuation, and 5-year total return — side by side.
HOMB
Home Bancshares, Inc.
Banks - Regional
Market Cap$5.58B
5Y Perf.+83.7%
PROV vs HOMB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  PROV |  HOMB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $109M | $5.58B |
| Revenue (TTM) | $60M | $1.37B |
| Net Income (TTM) | $7M | $475M |
| Gross Margin | 67.8% | 77.3% |
| Operating Margin | 16.2% | 43.8% |
| Forward P/E | 15.4x | 11.5x |
| Total Debt | $213M | $935M |
| Cash & Equiv. | $53M | $667M |
PROV vs HOMB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PROV
HOMB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Provident Financial… (PROV) | 100 | 127.6 | +27.6% |
| Home Bancshares, In… (HOMB) | 100 | 183.7 | +83.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PROV vs HOMB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PROV leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and capital preservation and lower volatility. Home Bancshares, Inc. is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
🥇PROV emerged as the overall leader. Track its performance:
PROV
Provident Financial Holdings, Inc.
The Banking Pick
PROV carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.21, yield 3.3%
- Rev growth 2.5%, EPS growth -12.3%
- Lower volatility, beta 0.21, current ratio 0.06x
Best for: income & stability and growth exposure
HOMB
Home Bancshares, Inc.
The Banking Pick
HOMB is the clearest fit if your priority is long-term compounding and bank quality.
- 57.7% 10Y total return vs PROV's 25.8%
- NIM 3.8% vs PROV's 2.8%
- Lower P/E (11.5x vs 15.4x)
Best for: long-term compounding and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  PROV | 2.5% NII/revenue growth vs HOMB's -5.3% |
| Value |  HOMB | Lower P/E (11.5x vs 15.4x) |
| Quality / Margins | HOMB | Efficiency ratio 0.3% vs PROV's 0.5% (lower = leaner) |
| Stability / Safety | PROV | Beta 0.21 vs HOMB's 0.66 |
| Dividends | PROV | 3.3% yield, vs HOMB's 2.8% |
| Momentum (1Y) | PROV | +14.5% vs HOMB's +3.0% |
| Efficiency (ROA) | HOMB | Efficiency ratio 0.3% vs PROV's 0.5% |
PROV vs HOMB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PROV vs HOMB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHOMBLAGGINGPROV
PROVProvident Financial H…
2leads
HOMBHome Bancshares, Inc.
3leads
6 Total Categories
CATEGORYLEADERvs PROVMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HOMB4/5
Valuation MetricsMultiples, price ratios, and targets
HOMB4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HOMB6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
PROV4/6
Risk & VolatilityBeta, volatility, and downside exposure
PROV2/2
Analyst OutlookRatings, price targets, and dividends
Tied
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Income & Cash Flow (Last 12 Months)
HOMB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HOMB is the larger business by revenue, generating $1.4B annually — 22.9x PROV's $60M. HOMB is the more profitable business, keeping 34.6% of every revenue dollar as net income compared to PROV's 11.0%.
| Metric | PROVProvident Financi… | HOMBHome Bancshares, … |
|---|---|---|
| RevenueTrailing 12 months | $60M | $1.4B |
| EBITDAEarnings before interest/tax | $12M | $618M |
| Net IncomeAfter-tax profit | $7M | $475M |
| Free Cash FlowCash after capex | $9M | $311M |
| Gross MarginGross profit ÷ Revenue | +67.8% | +77.3% |
| Operating MarginEBIT ÷ Revenue | +16.2% | +43.8% |
| Net MarginNet income ÷ Revenue | +11.0% | +34.6% |
| FCF MarginFCF ÷ Revenue | +15.3% | +22.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +69.2% | +26.0% |
HOMB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
HOMB leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 11.7x trailing earnings, HOMB trades at a 36% valuation discount to PROV's 18.4x P/E. On an enterprise value basis, HOMB's 9.5x EV/EBITDA is more attractive than PROV's 21.8x.
| Metric | PROVProvident Financi… | HOMBHome Bancshares, … |
|---|---|---|
| Market CapShares × price | $109M | $5.6B |
| Enterprise ValueMkt cap + debt − cash | $269M | $5.9B |
| Trailing P/EPrice ÷ TTM EPS | 18.40x | 11.72x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.41x | 11.47x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.89x |
| EV / EBITDAEnterprise value multiple | 21.77x | 9.47x |
| Price / SalesMarket cap ÷ Revenue | 1.81x | 4.06x |
| Price / BookPrice ÷ Book value/share | 0.90x | 1.30x |
| Price / FCFMarket cap ÷ FCF | 13.38x | 11.58x |
HOMB leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
HOMB leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
HOMB delivers a 11.4% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $5 for PROV. HOMB carries lower financial leverage with a 0.22x debt-to-equity ratio, signaling a more conservative balance sheet compared to PROV's 1.66x.
| Metric | PROVProvident Financi… | HOMBHome Bancshares, … |
|---|---|---|
| ROE (TTM)Return on equity | +5.1% | +11.4% |
| ROA (TTM)Return on assets | +0.5% | +2.1% |
| ROICReturn on invested capital | +1.9% | +8.7% |
| ROCEReturn on capital employed | +2.4% | +11.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 1.66x | 0.22x |
| Net DebtTotal debt minus cash | $160M | $268M |
| Cash & Equiv.Liquid assets | $53M | $667M |
| Total DebtShort + long-term debt | $213M | $935M |
| Interest CoverageEBIT ÷ Interest expense | 0.47x | 1.47x |
HOMB leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
PROV leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HOMB five years ago would be worth $12,212 today (with dividends reinvested), compared to $11,816 for PROV. Over the past 12 months, PROV leads with a +14.5% total return vs HOMB's +3.0%. The 3-year compound annual growth rate (CAGR) favors PROV at 14.7% vs HOMB's 9.5% — a key indicator of consistent wealth creation.
| Metric | PROVProvident Financi… | HOMBHome Bancshares, … |
|---|---|---|
| YTD ReturnYear-to-date | +8.8% | +2.7% |
| 1-Year ReturnPast 12 months | +14.5% | +3.0% |
| 3-Year ReturnCumulative with dividends | +50.9% | +31.2% |
| 5-Year ReturnCumulative with dividends | +18.2% | +22.1% |
| 10-Year ReturnCumulative with dividends | +25.8% | +57.7% |
| CAGR (3Y)Annualised 3-year return | +14.7% | +9.5% |
PROV leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
PROV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PROV is the less volatile stock with a 0.21 beta — it tends to amplify market swings less than HOMB's 0.66 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PROV currently trades 98.2% from its 52-week high vs HOMB's 91.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PROVProvident Financi… | HOMBHome Bancshares, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.21x | 0.66x |
| 52-Week HighHighest price in past year | $17.42 | $30.83 |
| 52-Week LowLowest price in past year | $14.95 | $25.50 |
| % of 52W HighCurrent price vs 52-week peak | +98.2% | +91.6% |
| RSI (14)Momentum oscillator 0–100 | 48.8 | 63.7 |
| Avg Volume (50D)Average daily shares traded | 8K | 1.4M |
PROV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PROV and HOMB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PROV as "Hold" and HOMB as "Hold". Consensus price targets imply 11.5% upside for HOMB (target: $32) vs -6.5% for PROV (target: $16). For income investors, PROV offers the higher dividend yield at 3.26% vs HOMB's 2.85%.
| Metric | PROVProvident Financi… | HOMBHome Bancshares, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $16.00 | $31.50 |
| # AnalystsCovering analysts | 10 | 19 |
| Dividend YieldAnnual dividend ÷ price | +3.3% | +2.8% |
| Dividend StreakConsecutive years of raises | 0 | 15 |
| Dividend / ShareAnnual DPS | $0.56 | $0.80 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.1% | +1.5% |
Evenly matched — PROV and HOMB each lead in 1 of 2 comparable metrics.
Key Takeaway
HOMB leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). PROV leads in 2 (Total Returns, Risk & Volatility). 1 tied.
Best OverallHome Bancshares, Inc. (HOMB)Leads 3 of 6 categories
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PROV vs HOMB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PROV or HOMB a better buy right now?
For growth investors, Provident Financial Holdings, Inc.
(PROV) is the stronger pick with 2. 5% revenue growth year-over-year, versus -5. 3% for Home Bancshares, Inc. (HOMB). Home Bancshares, Inc. (HOMB) offers the better valuation at 11. 7x trailing P/E (11. 5x forward), making it the more compelling value choice. Analysts rate Provident Financial Holdings, Inc. (PROV) a "Hold" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PROV or HOMB?
On trailing P/E, Home Bancshares, Inc.
(HOMB) is the cheapest at 11. 7x versus Provident Financial Holdings, Inc. at 18. 4x. On forward P/E, Home Bancshares, Inc. is actually cheaper at 11. 5x.
03Which is the better long-term investment — PROV or HOMB?
Over the past 5 years, Home Bancshares, Inc.
(HOMB) delivered a total return of +22. 1%, compared to +18. 2% for Provident Financial Holdings, Inc. (PROV). Over 10 years, the gap is even starker: HOMB returned +57. 7% versus PROV's +25. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PROV or HOMB?
By beta (market sensitivity over 5 years), Provident Financial Holdings, Inc.
(PROV) is the lower-risk stock at 0. 21β versus Home Bancshares, Inc. 's 0. 66β — meaning HOMB is approximately 218% more volatile than PROV relative to the S&P 500. On balance sheet safety, Home Bancshares, Inc. (HOMB) carries a lower debt/equity ratio of 22% versus 166% for Provident Financial Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PROV or HOMB?
By revenue growth (latest reported year), Provident Financial Holdings, Inc.
(PROV) is pulling ahead at 2. 5% versus -5. 3% for Home Bancshares, Inc. (HOMB). On earnings-per-share growth, the picture is similar: Home Bancshares, Inc. grew EPS 19. 9% year-over-year, compared to -12. 3% for Provident Financial Holdings, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PROV or HOMB?
Home Bancshares, Inc.
(HOMB) is the more profitable company, earning 34. 6% net margin versus 10. 4% for Provident Financial Holdings, Inc. — meaning it keeps 34. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HOMB leads at 43. 8% versus 14. 8% for PROV. At the gross margin level — before operating expenses — HOMB leads at 77. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PROV or HOMB more undervalued right now?
On forward earnings alone, Home Bancshares, Inc.
(HOMB) trades at 11. 5x forward P/E versus 15. 4x for Provident Financial Holdings, Inc. — 3. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOMB: 11. 5% to $31. 50.
08Which pays a better dividend — PROV or HOMB?
All stocks in this comparison pay dividends.
Provident Financial Holdings, Inc. (PROV) offers the highest yield at 3. 3%, versus 2. 8% for Home Bancshares, Inc. (HOMB).
09Is PROV or HOMB better for a retirement portfolio?
For long-horizon retirement investors, Provident Financial Holdings, Inc.
(PROV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 21), 3. 3% yield). Both have compounded well over 10 years (PROV: +25. 8%, HOMB: +57. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PROV and HOMB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: PROV is a small-cap income-oriented stock; HOMB is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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