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Provident Financial Holdings, Inc is a banks-regional business based in the US. Provident Financial shares (PROV) are listed on the NASDAQ and all prices are listed in US Dollars. Provident Financial employs 163 staff and has a trailing 12-month revenue of around USD$38.1 million.
|52-week range||USD$11.4 - USD$21.8756|
|50-day moving average||USD$15.3321|
|200-day moving average||USD$13.318|
|Wall St. target price||USD$16.67|
|Dividend yield||USD$0.56 (3.31%)|
|Earnings per share (TTM)||USD$0.879|
The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Valuing Provident Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Provident Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Provident Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 20x. In other words, Provident Financial shares trade at around 20x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
|Revenue TTM||USD$38.1 million|
|Operating margin TTM||25.75%|
|Gross profit TTM||USD$39.8 million|
|Return on assets TTM||0.58%|
|Return on equity TTM||5.36%|
|Market capitalisation||USD$128.1 million|
TTM: trailing 12 months
There are currently 38,430 Provident Financial shares held short by investors – that's known as Provident Financial's "short interest". This figure is 8.5% down from 41,978 last month.
There are a few different ways that this level of interest in shorting Provident Financial shares can be evaluated.
Provident Financial's "short interest ratio" (SIR) is the quantity of Provident Financial shares currently shorted divided by the average quantity of Provident Financial shares traded daily (recently around 15129.921259843). Provident Financial's SIR currently stands at 2.54. In other words for every 100,000 Provident Financial shares traded daily on the market, roughly 2540 shares are currently held short.
However Provident Financial's short interest can also be evaluated against the total number of Provident Financial shares, or, against the total number of tradable Provident Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Provident Financial's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Provident Financial shares in existence, roughly 10 shares are currently held short) or 0.0064% of the tradable shares (for every 100,000 tradable Provident Financial shares, roughly 6 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Provident Financial.
Find out more about how you can short Provident Financial stock.
Dividend payout ratio: 64.37% of net profits
Recently Provident Financial has paid out, on average, around 64.37% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.31% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Provident Financial shareholders could enjoy a 3.31% return on their shares, in the form of dividend payments. In Provident Financial's case, that would currently equate to about $0.56 per share.
Provident Financial's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
Provident Financial's most recent dividend payout was on 10 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 18 November 2020 (the "ex-dividend date").
Provident Financial's shares were split on a 3:2 basis on 3 February 2004. So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Provident Financial shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Provident Financial shares which in turn could have impacted Provident Financial's share price.
Over the last 12 months, Provident Financial's shares have ranged in value from as little as $11.4 up to $21.8756. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Provident Financial's is 0.6213. This would suggest that Provident Financial's shares are less volatile than average (for this exchange).
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. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of multi-family, commercial real estate, construction, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and 1 full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
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