Provident Financial Holdings, Inc. (PROV) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
21.77
↑+40% vs avg
5yr avg: 15.58
30Y Low1.9·High93.5
P/FCF
↑
13.38
+10% vs avg
5yr avg: 12.19
30Y Low1.2·High74.6
P/B Ratio
↓
0.90
+10% vs avg
5yr avg: 0.81
30Y Low0.3·High1.6
ROE
↓
4.8%
↑-20% vs avg
5yr avg: 6.1%
30Y Low-6%·High17%
Debt/EBITDA
↑
17.24
↑+42% vs avg
5yr avg: 12.17
30Y Low1.6·High23.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PROV Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Provident Financial Holdings, Inc. trades at 18.4x earnings, 34% above its 5-year average of 13.7x, sitting at the 66th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 33%. On a free-cash-flow basis, the stock trades at 13.4x P/FCF, 10% above the 5-year average of 12.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $109M | $105M | $87M | $92M | $110M | $130M | $102M | $159M | $147M | $156M | $156M |
| Enterprise Value | $269M | $265M | $274M | $261M | $172M | $161M | $127M | $190M | $230M | $209M | $196M |
| P/E Ratio → | 18.40 | 16.67 | 11.79 | 10.71 | 12.16 | 17.27 | 13.28 | 36.19 | 68.14 | 30.08 | 20.33 |
| P/S Ratio | 1.81 | 1.74 | 1.48 | 1.83 | 2.80 | 3.27 | 2.16 | 2.80 | 2.27 | 2.13 | 2.05 |
| P/B Ratio | 0.90 | 0.82 | 0.67 | 0.71 | 0.86 | 1.02 | 0.82 | 1.32 | 1.22 | 1.22 | 1.17 |
| P/FCF | 13.38 | 12.85 | 21.24 | 5.88 | 9.50 | 11.47 | 13.15 | 1.50 | 5.86 | 1.91 | 3.38 |
| P/OCF | 12.56 | 12.07 | 15.30 | 5.62 | 9.37 | 11.25 | 12.77 | 1.49 | 5.25 | 1.87 | 3.27 |
P/E links to full P/E history page with 30-year chart
PROV EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Provident Financial Holdings, Inc.'s enterprise value stands at 21.8x EBITDA, 40% above its 5-year average of 15.6x. The Financial Services sector median is 11.5x, placing the stock at a 89% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.40 | 4.67 | 5.21 | 4.36 | 4.05 | 2.70 | 3.34 | 3.56 | 2.86 | 2.57 |
| EV / EBITDA | 21.77 | 21.42 | 20.24 | 16.72 | 9.72 | 9.78 | 8.86 | 21.11 | 26.54 | 18.27 | 13.31 |
| EV / EBIT | 30.32 | 29.84 | 26.39 | 21.01 | 13.38 | 15.79 | 11.61 | 32.08 | 41.58 | 23.74 | 15.29 |
| EV / FCF | — | 32.47 | 66.92 | 16.74 | 14.80 | 14.18 | 16.39 | 1.78 | 9.16 | 2.57 | 4.25 |
PROV Profitability
Margins and return-on-capital ratios measuring operating efficiency
Provident Financial Holdings, Inc. earns an operating margin of 14.8%, below the Financial Services sector average of 20.2%. Operating margins have compressed from 24.8% to 14.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 4.8% is modest, trailing the sector median of 9.0%. ROIC of 1.9% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.9% | 65.9% | 66.3% | 81.3% | 98.3% | 90.3% | 84.7% | 89.9% | 90.9% | 92.3% | 93.1% |
| Operating Margin | 14.8% | 14.8% | 17.7% | 24.8% | 32.6% | 25.6% | 23.2% | 10.4% | 8.6% | 12.0% | 16.8% |
| Net Profit Margin | 10.4% | 10.4% | 12.5% | 17.2% | 23.1% | 19.0% | 16.4% | 7.8% | 3.3% | 7.1% | 9.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.8% | 4.8% | 5.7% | 6.7% | 7.1% | 6.0% | 6.3% | 3.7% | 1.7% | 4.0% | 5.4% |
| ROA | 0.5% | 0.5% | 0.6% | 0.7% | 0.8% | 0.6% | 0.7% | 0.4% | 0.2% | 0.4% | 0.6% |
| ROIC | 1.9% | 1.9% | 2.1% | 3.2% | 4.4% | 3.1% | 3.4% | 1.9% | 1.7% | 2.8% | 4.2% |
| ROCE | 2.4% | 2.4% | 2.8% | 4.3% | 5.8% | 4.1% | 4.5% | 2.5% | 2.2% | 3.7% | 5.6% |
PROV Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Provident Financial Holdings, Inc. carries a Debt/EBITDA ratio of 17.2x, which is highly leveraged (305% above the sector average of 4.3x). Net debt stands at $160M ($213M total debt minus $53M cash). Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.66 | 1.66 | 1.84 | 1.81 | 0.66 | 0.79 | 1.14 | 0.84 | 1.05 | 0.98 | 0.68 |
| Debt / EBITDA | 17.24 | 17.24 | 17.61 | 15.06 | 4.80 | 6.14 | 9.87 | 11.24 | 14.57 | 11.02 | 6.19 |
| Net Debt / Equity | — | 1.24 | 1.44 | 1.30 | 0.48 | 0.24 | 0.20 | 0.25 | 0.69 | 0.42 | 0.30 |
| Net Debt / EBITDA | 12.94 | 12.94 | 13.82 | 10.84 | 3.48 | 1.87 | 1.75 | 3.39 | 9.57 | 4.66 | 2.72 |
| Debt / FCF | — | 19.62 | 45.68 | 10.85 | 5.30 | 2.71 | 3.24 | 0.29 | 3.30 | 0.66 | 0.87 |
| Interest Coverage | 0.42 | 0.42 | 0.52 | 1.38 | 4.10 | 2.23 | 1.80 | 0.95 | 0.86 | 1.32 | 1.84 |
PROV Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.06x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.06 | 0.06 | 0.06 | 0.08 | 0.05 | 0.10 | 0.15 | 0.11 | 0.08 | 0.11 | 0.09 |
| Quick Ratio | 0.06 | 0.06 | 0.06 | 0.08 | 0.05 | 0.10 | 0.15 | 0.11 | 0.08 | 0.11 | 0.09 |
| Cash Ratio | 0.06 | 0.06 | 0.06 | 0.07 | 0.02 | 0.07 | 0.13 | 0.08 | 0.05 | 0.08 | 0.05 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.06 | 0.07 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PROV Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Provident Financial Holdings, Inc. returns 7.3% to shareholders annually — split between a 3.3% dividend yield and 4.1% buyback yield. A payout ratio of 60.2% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 5.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.3% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 60.2% | 60.2% | 52.9% | 46.5% | 45.6% | 55.2% | 54.4% | 95.0% | 198.4% | 79.1% | 53.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.4% | 6.0% | 8.5% | 9.3% | 8.2% | 5.8% | 7.5% | 2.8% | 1.5% | 3.3% | 4.9% |
| FCF Yield | 7.5% | 7.8% | 4.7% | 17.0% | 10.5% | 8.7% | 7.6% | 66.9% | 17.1% | 52.2% | 29.6% |
| Buyback Yield | 4.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 7.3% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $7M | $7M | $7M | $7M | $8M | $8M | $8M | $8M | $8M | $9M |
Peer Comparison
Compare PROV with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PROVYou | $109M | 18.4 | 21.8 | 13.4 | 65.9% | 14.8% | 4.8% | 1.9% | 17.2 |
 WAFD | $3B | 14.1 | 13.4 | 13.7 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 HOMB | $6B | 11.7 | 9.5 | 11.6 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 NWBI | $2B | 16.1 | 14.4 | 15.3 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 KRNY | $553M | 20.9 | 45.8 | 25.8 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 BSVN | $446M | 10.3 | 3.5 | 10.8 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 CFFN | $1B | 15.9 | 30.5 | 21.5 | 47.3% | 19.9% | 6.5% | 2.0% | 21.5 |
 TRST | $979M | 17.0 | 12.5 | 21.4 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 HFWA | $987M | 14.8 | 12.3 | 11.5 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 FFIC | $524M | 28.6 | 24.8 | 9.4 | 41.9% | 7.6% | 2.6% | 1.7% | 14.9 |
 CLBK | $2B | 40.6 | 43.5 | 36.8 | 50.3% | 11.9% | 4.6% | 2.0% | 17.2 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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Run the NumbersIs PROV Undervalued Right Now?
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Compare NowPROV — Frequently Asked Questions
Quick answers to the most common questions about buying PROV stock.
What is Provident Financial Holdings, Inc.'s P/E ratio?
Provident Financial Holdings, Inc.'s current P/E ratio is 18.4x. The historical average is 20.1x. This places it at the 66th percentile of its historical range.
What is Provident Financial Holdings, Inc.'s EV/EBITDA?
Provident Financial Holdings, Inc.'s current EV/EBITDA is 21.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 20.2x.
What is Provident Financial Holdings, Inc.'s ROE?
Provident Financial Holdings, Inc.'s return on equity (ROE) is 4.8%. The historical average is 7.1%.
Is PROV stock overvalued?
Based on historical data, Provident Financial Holdings, Inc. is trading at a P/E of 18.4x. This is at the 66th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Provident Financial Holdings, Inc.'s dividend yield?
Provident Financial Holdings, Inc.'s current dividend yield is 3.26% with a payout ratio of 60.2%.
What are Provident Financial Holdings, Inc.'s profit margins?
Provident Financial Holdings, Inc. has 65.9% gross margin and 14.8% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Provident Financial Holdings, Inc. have?
Provident Financial Holdings, Inc.'s Debt/EBITDA ratio is 17.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.