PROV
Provident Financial Holdings, Inc.
Banks - Regional
Market Cap$109M
5Y Perf.+27.6%
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Side-by-side financial analysisPROV
KRNY
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Stock Comparison
PROV vs KRNY
Revenue, margins, valuation, and 5-year total return — side by side.
KRNY
Kearny Financial Corp.
Banks - Regional
Market Cap$553M
5Y Perf.+7.5%
PROV vs KRNY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  PROV |  KRNY |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $109M | $553M |
| Revenue (TTM) | $60M | $344M |
| Net Income (TTM) | $7M | $32M |
| Gross Margin | 67.8% | 47.7% |
| Operating Margin | 16.2% | 11.6% |
| Forward P/E | 15.4x | 14.1x |
| Total Debt | $213M | $1.26B |
| Cash & Equiv. | $53M | $167M |
PROV vs KRNY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PROV
KRNY
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Provident Financial… (PROV) | 100 | 127.6 | +27.6% |
| Kearny Financial Co… (KRNY) | 100 | 107.5 | +7.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PROV vs KRNY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: KRNY leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Provident Financial Holdings, Inc. is the stronger pick specifically for capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
🥇KRNY emerged as the overall leader. Track its performance:
PROV
Provident Financial Holdings, Inc.
The Banking Pick
PROV is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 0.21, yield 3.3%
- 25.8% 10Y total return vs KRNY's -7.2%
- Lower volatility, beta 0.21, current ratio 0.06x
Best for: income & stability and long-term compounding
KRNY
Kearny Financial Corp.
The Banking Pick
KRNY carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 5.1%, EPS growth 130.2%
- Beta 0.72, yield 5.0%, current ratio 1.20x
- 5.1% NII/revenue growth vs PROV's 2.5%
Best for: growth exposure and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  KRNY | 5.1% NII/revenue growth vs PROV's 2.5% |
| Value | KRNY | Lower P/E (14.1x vs 15.4x) |
| Quality / Margins | KRNY | Efficiency ratio 0.4% vs PROV's 0.5% (lower = leaner) |
| Stability / Safety |  PROV | Beta 0.21 vs KRNY's 0.72, lower leverage |
| Dividends | KRNY | 5.0% yield, vs PROV's 3.3% |
| Momentum (1Y) | KRNY | +45.1% vs PROV's +14.5% |
| Efficiency (ROA) | KRNY | Efficiency ratio 0.4% vs PROV's 0.5% |
PROV vs KRNY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PROV vs KRNY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPROVLAGGINGKRNY
KRNYKearny Financial Corp.
1leads
PROVProvident Financial H…
3leads
6 Total Categories
CATEGORYLEADERvs KRNYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PROV5/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PROV8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PROV4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
KRNY1/1
Income & Cash Flow (Last 12 Months)
PROV leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
KRNY is the larger business by revenue, generating $344M annually — 5.7x PROV's $60M. Profitability is closely matched — net margins range from 11.0% (PROV) to 9.4% (KRNY).
| Metric | PROVProvident Financi… | KRNYKearny Financial … |
|---|---|---|
| RevenueTrailing 12 months | $60M | $344M |
| EBITDAEarnings before interest/tax | $12M | $43M |
| Net IncomeAfter-tax profit | $7M | $32M |
| Free Cash FlowCash after capex | $9M | $40M |
| Gross MarginGross profit ÷ Revenue | +67.8% | +47.7% |
| Operating MarginEBIT ÷ Revenue | +16.2% | +11.6% |
| Net MarginNet income ÷ Revenue | +11.0% | +9.4% |
| FCF MarginFCF ÷ Revenue | +15.3% | +11.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +69.2% | +50.0% |
PROV leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
Evenly matched — PROV and KRNY each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 18.4x trailing earnings, PROV trades at a 12% valuation discount to KRNY's 20.9x P/E. On an enterprise value basis, PROV's 21.8x EV/EBITDA is more attractive than KRNY's 45.8x.
| Metric | PROVProvident Financi… | KRNYKearny Financial … |
|---|---|---|
| Market CapShares × price | $109M | $553M |
| Enterprise ValueMkt cap + debt − cash | $269M | $1.6B |
| Trailing P/EPrice ÷ TTM EPS | 18.40x | 20.93x |
| Forward P/EPrice ÷ next-FY EPS est. | 15.41x | 14.06x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 21.77x | 45.76x |
| Price / SalesMarket cap ÷ Revenue | 1.81x | 1.61x |
| Price / BookPrice ÷ Book value/share | 0.90x | 0.74x |
| Price / FCFMarket cap ÷ FCF | 13.38x | 25.84x |
Evenly matched — PROV and KRNY each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
PROV leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
PROV delivers a 5.1% return on equity — every $100 of shareholder capital generates $5 in annual profit, vs $4 for KRNY. PROV carries lower financial leverage with a 1.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to KRNY's 1.68x. On the Piotroski fundamental quality scale (0–9), KRNY scores 7/9 vs PROV's 6/9, reflecting strong financial health.
| Metric | PROVProvident Financi… | KRNYKearny Financial … |
|---|---|---|
| ROE (TTM)Return on equity | +5.1% | +4.3% |
| ROA (TTM)Return on assets | +0.5% | +0.4% |
| ROICReturn on invested capital | +1.9% | +1.1% |
| ROCEReturn on capital employed | +2.4% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 1.66x | 1.68x |
| Net DebtTotal debt minus cash | $160M | $1.1B |
| Cash & Equiv.Liquid assets | $53M | $167M |
| Total DebtShort + long-term debt | $213M | $1.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.47x | 0.22x |
PROV leads this category, winning 8 of 9 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 PROV five years ago would be worth $11,816 today (with dividends reinvested), compared to $8,728 for KRNY. Over the past 12 months, KRNY leads with a +45.1% total return vs PROV's +14.5%. The 3-year compound annual growth rate (CAGR) favors PROV at 14.7% vs KRNY's 10.6% — a key indicator of consistent wealth creation.
| Metric | PROVProvident Financi… | KRNYKearny Financial … |
|---|---|---|
| YTD ReturnYear-to-date | +8.8% | +22.6% |
| 1-Year ReturnPast 12 months | +14.5% | +45.1% |
| 3-Year ReturnCumulative with dividends | +50.9% | +35.2% |
| 5-Year ReturnCumulative with dividends | +18.2% | -12.7% |
| 10-Year ReturnCumulative with dividends | +25.8% | -7.2% |
| CAGR (3Y)Annualised 3-year return | +14.7% | +10.6% |
PROV leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PROV and KRNY each lead in 1 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 KRNY's 0.72 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | PROVProvident Financi… | KRNYKearny Financial … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.21x | 0.72x |
| 52-Week HighHighest price in past year | $17.42 | $8.79 |
| 52-Week LowLowest price in past year | $14.95 | $5.76 |
| % of 52W HighCurrent price vs 52-week peak | +98.2% | +99.9% |
| RSI (14)Momentum oscillator 0–100 | 48.8 | 66.7 |
| Avg Volume (50D)Average daily shares traded | 8K | 293K |
Evenly matched — PROV and KRNY each lead in 1 of 2 comparable metrics.
Analyst Outlook
KRNY leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates PROV as "Hold" and KRNY as "Hold". Consensus price targets imply 8.1% upside for KRNY (target: $10) vs -6.5% for PROV (target: $16). For income investors, KRNY offers the higher dividend yield at 5.01% vs PROV's 3.26%.
| Metric | PROVProvident Financi… | KRNYKearny Financial … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $16.00 | $9.50 |
| # AnalystsCovering analysts | 10 | 5 |
| Dividend YieldAnnual dividend ÷ price | +3.3% | +5.0% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.56 | $0.44 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.1% | +0.1% |
KRNY leads this category, winning 1 of 1 comparable metric.
Key Takeaway
PROV leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). KRNY leads in 1 (Analyst Outlook). 2 tied.
Best OverallProvident Financial Holding… (PROV)Leads 3 of 6 categories
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PROV vs KRNY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PROV or KRNY a better buy right now?
For growth investors, Kearny Financial Corp.
(KRNY) is the stronger pick with 5. 1% revenue growth year-over-year, versus 2. 5% for Provident Financial Holdings, Inc. (PROV). Provident Financial Holdings, Inc. (PROV) offers the better valuation at 18. 4x trailing P/E (15. 4x 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 KRNY?
On trailing P/E, Provident Financial Holdings, Inc.
(PROV) is the cheapest at 18. 4x versus Kearny Financial Corp. at 20. 9x. On forward P/E, Kearny Financial Corp. is actually cheaper at 14. 1x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — PROV or KRNY?
Over the past 5 years, Provident Financial Holdings, Inc.
(PROV) delivered a total return of +18. 2%, compared to -12. 7% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: PROV returned +25. 8% versus KRNY's -7. 2%. 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 KRNY?
By beta (market sensitivity over 5 years), Provident Financial Holdings, Inc.
(PROV) is the lower-risk stock at 0. 21β versus Kearny Financial Corp. 's 0. 72β — meaning KRNY is approximately 247% more volatile than PROV relative to the S&P 500. On balance sheet safety, Provident Financial Holdings, Inc. (PROV) carries a lower debt/equity ratio of 166% versus 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — PROV or KRNY?
By revenue growth (latest reported year), Kearny Financial Corp.
(KRNY) is pulling ahead at 5. 1% versus 2. 5% for Provident Financial Holdings, Inc. (PROV). On earnings-per-share growth, the picture is similar: Kearny Financial Corp. grew EPS 130. 2% 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 KRNY?
Provident Financial Holdings, Inc.
(PROV) is the more profitable company, earning 10. 4% net margin versus 7. 6% for Kearny Financial Corp. — meaning it keeps 10. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PROV leads at 14. 8% versus 9. 0% for KRNY. At the gross margin level — before operating expenses — PROV leads at 65. 9%, 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 KRNY more undervalued right now?
On forward earnings alone, Kearny Financial Corp.
(KRNY) trades at 14. 1x forward P/E versus 15. 4x for Provident Financial Holdings, Inc. — 1. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for KRNY: 8. 1% to $9. 50.
08Which pays a better dividend — PROV or KRNY?
All stocks in this comparison pay dividends.
Kearny Financial Corp. (KRNY) offers the highest yield at 5. 0%, versus 3. 3% for Provident Financial Holdings, Inc. (PROV).
09Is PROV or KRNY 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%, KRNY: -7. 2%), 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 KRNY?
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.
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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