PROV
Provident Financial Holdings, Inc. [PROV] Stock Forecast
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Provident Financial Holdings Inc. (PROV) Q3 2023 Earnings Call Transcript
Provident Financial Holdings Inc. (NASDAQ:PROV ) Q3 2023 Results Conference Call April 27, 2023 12:00 PM ET Company Participants Craig Blunden - Chairman & CEO Donavon Ternes - President, COO, CFO & Corporate Secretary Conference Call Participants Tim Coffey - Janney Operator Ladies and gentlemen, thank you for standing by. Welcome to the Provident Financial Holdings Third Quarter Earnings Call.
Provident Financial Holdings, Inc. (PROV) Q2 2023 Earnings Call Transcript
Provident Financial Holdings, Inc. (NASDAQ:PROV ) Q2 2023 Earnings Conference Call January 30, 2023 12:00 PM ET Company Participants Craig Blunden - Chairman & CEO Conference Call Participants Operator Ladies and gentlemen, thank you for standing by. Welcome to the Provident Financial Holdings Second Quarter Earnings Conference Call.
Provident Financial Holdings To Host Earnings Release Conference Call
RIVERSIDE, Calif., Jan. 19, 2023 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”) (Nasdaq GS: PROV), the holding company for Provident Savings Bank, F.S.B., today announced that it will distribute a news release announcing earnings for the second quarter of fiscal 2023 prior to the market open on Friday, January 27, 2023. Additionally, the Company will host a conference call for institutional investors and bank analysts on Monday, January 30, 2023 at 9:00 a.m. (Pacific) to discuss financial results. The conference call can be accessed by dialing 1-877-336-4436 and referencing access code number 2633623. An audio replay of the conference call will be available through Monday, February 6, 2023 by dialing 1-866-207-1041 and referencing access code number 2446007.
Provident Financial Holdings, Inc. (PROV) Q1 2023 Earnings Call Transcript
Provident Financial Holdings, Inc. (NASDAQ:PROV ) Q1 2023 Earnings Conference Call October 26, 2022 12:00 PM ET Company Participants Craig Blunden - Chairman & CEO Donavon Ternes - President, Chief Operating & Chief Financial Officer Conference Call Participants Nick Cucharale - Piper Sandler Tim Coffey - Janney Operator Ladies and gentlemen, thank you for standing by, and welcome to the First Quarter Earnings Call. At this time, all participants are in a listen-only mode.
Provident Financial Holdings To Host Earnings Release Conference Call
RIVERSIDE, Calif., Oct. 19, 2022 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”) (Nasdaq GS: PROV), the holding company for Provident Savings Bank, F.S.B., today announced that it will distribute a news release announcing earnings for the first quarter of fiscal 2023 prior to the market open on Tuesday, October 25, 2022. Additionally, the Company will host a conference call for institutional investors and bank analysts on Wednesday, October 26, 2022 at 9:00 a.m. (Pacific) to discuss financial results. The conference call can be accessed by dialing 1-844-291-5491 and referencing access code number 3547024. An audio replay of the conference call will be available through Wednesday, November 2, 2022 by dialing 1-866-207-1041 and referencing access code number 7668330.
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Provident Financial Holdings, Inc. (PROV) CEO Craig Blunden on Q4 2022 Results - Earnings Call Transcript
Provident Financial Holdings, Inc. (NASDAQ:PROV ) Q4 2022 Earnings Conference Call July 27, 2022 ET Company Participants Craig Blunden - Chairman & Chief Executive Officer Donavon Ternes - President, Chief Operating & Chief Financial Officer Conference Call Participants Nick Cucharale - Piper Sandler Tim Coffey - Janney Operator Ladies and gentlemen, thank you for standing by. Welcome to the Provident Financial Holdings Fourth Quarter Earnings Conference Call.
Provident Financial Holdings To Host Earnings Release Conference Call
RIVERSIDE, Calif., July 19, 2022 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”) (Nasdaq GS: PROV), the holding company for Provident Savings Bank, F.S.B., today announced that it will distribute a news release announcing earnings for the fourth quarter of fiscal 2022 prior to the market open on Tuesday, July 26, 2022. Additionally, the Company will host a conference call for institutional investors and bank analysts on Wednesday, July 27, 2022 at 9:00 a.m. (Pacific) to discuss financial results. The conference call can be accessed by dialing 1-844-291-6356 and referencing access code number 2262909. An audio replay of the conference call will be available through Wednesday, August 3, 2022 by dialing 1-866-207-1041 and referencing access code number 5500963.
Provident Financial Holdings, Inc. (PROV) CEO Craig Blunden on Q3 2022 Results - Earnings Call Transcript
Provident Financial Holdings, Inc. (NASDAQ:PROV ) Q3 2022 Earnings Conference Call April 27, 2022 12:00 PM ET Company Participants Craig Blunden – Chairman & Chief Executive Officer Donavon Ternes – President, Chief Operating & Chief Financial Officer Conference Call Participants Nicholas Cucharale – Piper Sandler Timothy Coffey – Janney Montgomery Scott LLC Operator Ladies and gentlemen, thank you for standing by. And welcome to the Third Quarter Earnings Call.
Provident Financial Holdings To Host Earnings Release Conference Call
RIVERSIDE, Calif., April 19, 2022 (GLOBE NEWSWIRE) -- Provident Financial Holdings, Inc. (“Company”) (Nasdaq GS: PROV), the holding company for Provident Savings Bank, F.S.B., today announced that it will distribute a news release announcing earnings for the third quarter of fiscal 2022 prior to the market open on Tuesday, April 26, 2022. Additionally, the Company will host a conference call for institutional investors and bank analysts on Wednesday, April 27, 2022 at 9:00 a.m. (Pacific) to discuss financial results. The conference call can be accessed by dialing 1-844-867-6169 and referencing access code number 6034711. An audio replay of the conference call will be available through Wednesday, May 4, 2022 by dialing 1-866-207-1041 and referencing access code number 9455626.
PROV Financial details
PROV Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2022-06-30
| Metric | History | 2018-06-30 | 2019-06-30 | 2020-06-30 | 2021-06-30 | 2022-06-30 |
|---|---|---|---|---|---|---|
| Revenue per share | 7.72 | 6.77 | 5.48 | 4.72 | 4.9 | |
| Net income per share | 0.28 | 0.59 | 1.03 | 1.01 | 1.23 | |
| Operating cash flow per share | 3.71 | 14.31 | 1.07 | 1.55 | 1.59 | |
| Free cash flow per share | 3.32 | 14.25 | 1.03 | 1.52 | 1.57 | |
| Cash per share | 6.74 | 10.23 | 16.17 | 9.89 | 3.52 | |
| Book value per share | 15.97 | 16.12 | 16.6 | 17.05 | 17.38 | |
| Tangible book value per share | 15.97 | 16.12 | 16.6 | 17.05 | 17.38 | |
| Share holders equity per share | 15.97 | 16.12 | 16.6 | 17.05 | 17.38 | |
| Interest debt per share | 17.58 | 14.34 | 19.7 | 14.14 | 11.9 | |
| Market cap | 143.9M | 160.85M | 100.14M | 128.92M | 109.8M | |
| Enterprise value | 226.76M | 191.33M | 125.15M | 159.63M | 171.39M | |
| P/E ratio | 67.53 | 36.42 | 13.02 | 17.05 | 12.08 | |
| Price to sales ratio | 2.47 | 3.17 | 2.45 | 3.66 | 3.02 | |
| POCF ratio | 5.14 | 1.5 | 12.59 | 11.14 | 9.31 | |
| PFCF ratio | 5.74 | 1.51 | 12.96 | 11.36 | 9.44 | |
| P/B Ratio | 1.19 | 1.33 | 0.81 | 1.01 | 0.85 | |
| PTB ratio | 1.19 | 1.33 | 0.81 | 1.01 | 0.85 | |
| EV to sales | 3.9 | 3.78 | 3.06 | 4.53 | 4.72 | |
| Enterprise value over EBITDA | 15.05 | 12.58 | 6.15 | 7.6 | 8.22 | |
| EV to operating cash flow | 8.1 | 1.79 | 15.73 | 13.79 | 14.53 | |
| EV to free cash flow | 9.04 | 1.79 | 16.2 | 14.07 | 14.74 | |
| Earnings yield | 0.01 | 0.03 | 0.08 | 0.06 | 0.08 | |
| Free cash flow yield | 0.17 | 0.66 | 0.08 | 0.09 | 0.11 | |
| Debt to equity | 1.05 | 0.84 | 1.14 | 0.79 | 0.66 | |
| Debt to assets | 0.11 | 0.09 | 0.12 | 0.09 | 0.07 | |
| Net debt to EBITDA | 5.5 | 2 | 1.23 | 1.46 | 2.95 | |
| Current ratio | 0 | 3.67 | 6.58 | 4.43 | 1.62 | |
| Interest coverage | 0 | 1.95 | 2.8 | 3.23 | 5.1 | |
| Income quality | 13.13 | 24.25 | 1.03 | 1.53 | 1.3 | |
| Dividend Yield | 0.03 | 0.03 | 0.04 | 0.03 | 0.04 | |
| Payout ratio | 1.98 | 0.95 | 0.54 | 0.55 | 0.46 | |
| Sales general and administrative to revenue | 0.61 | 0.61 | 0.47 | 0.45 | 0.45 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0 | 0 | 0 | 0 | 0 | |
| Capex to operating cash flow | -0.1 | 0 | -0.03 | -0.02 | -0.01 | |
| Capex to revenue | -0.05 | -0.01 | -0.01 | -0.01 | 0 | |
| Capex to depreciation | -0.93 | -0.15 | -0.07 | -0.04 | -0.03 | |
| Stock based compensation to revenue | 0.02 | 0.02 | 0.02 | 0.04 | 0.02 | |
| Graham number | 10.08 | 14.63 | 19.61 | 19.71 | 21.91 | |
| ROIC | 0 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Return on tangible assets | 0 | 0 | 0.01 | 0.01 | 0.01 | |
| Graham Net | -132.84 | -118.24 | -124.49 | -131.31 | -139.12 | |
| Working capital | 0 | 58.19M | 105.18M | 59.5M | 11.17M | |
| Tangible asset value | 120.46M | 120.64M | 123.98M | 127.28M | 128.65M | |
| Net current asset value | -1.06B | -884.18M | -928.84M | -979.46M | -1.03B | |
| Invested capital | 1.05 | 0.84 | 1.14 | 0.79 | 0.66 | |
| Average receivables | 3.06M | 3.32M | 3.35M | 3.14M | 2.98M | |
| Average payables | 20.49M | 21.58M | 20.34M | 18.1M | 17.62M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 20.15 | 24.66 | 29.18 | 31.09 | 29.81 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 18.12 | 14.8 | 12.51 | 11.74 | 12.24 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.02 | 0.04 | 0.06 | 0.06 | 0.07 | |
| Capex per share | -0.39 | -0.06 | -0.03 | -0.03 | -0.02 |
Quarterly Fundamentals Overview
Last date of statement is 2023-03-31 for Q3
| Metric | History | 2022-03-31 | 2022-06-30 | 2022-09-30 | 2022-12-31 | 2023-03-31 |
|---|---|---|---|---|---|---|
| Revenue per share | 1.18 | 1.33 | 1.37 | 1.44 | 1.47 | |
| Net income per share | 0.23 | 0.34 | 0.29 | 0.33 | 0.33 | |
| Operating cash flow per share | 0.23 | 0.61 | 0.31 | 0.41 | 0.94 | |
| Free cash flow per share | 0.21 | 0.6 | 0.28 | 0.36 | 0.91 | |
| Cash per share | 8.57 | 3.58 | 5.67 | 3.79 | 8.9 | |
| Book value per share | 17.34 | 17.64 | 17.76 | 17.99 | 18.28 | |
| Tangible book value per share | 17.34 | 17.64 | 17.76 | 17.99 | 18.28 | |
| Share holders equity per share | 17.34 | 17.64 | 17.76 | 17.99 | 18.28 | |
| Interest debt per share | 10.97 | 11.76 | 15.94 | 25.3 | 29.32 | |
| Market cap | 121.7M | 108.13M | 103.28M | 98.94M | 96.51M | |
| Enterprise value | 141.58M | 169.71M | 179.58M | 254.1M | 240.75M | |
| P/E ratio | 17.91 | 10.98 | 12.35 | 10.43 | 10.39 | |
| Price to sales ratio | 14.07 | 11.18 | 10.36 | 9.57 | 9.3 | |
| POCF ratio | 72.88 | 24.36 | 45.66 | 33.54 | 14.57 | |
| PFCF ratio | 77.03 | 24.65 | 50.38 | 38.3 | 14.91 | |
| P/B Ratio | 0.95 | 0.84 | 0.8 | 0.77 | 0.75 | |
| PTB ratio | 0.95 | 0.84 | 0.8 | 0.77 | 0.75 | |
| EV to sales | 16.36 | 17.55 | 18.02 | 24.57 | 23.19 | |
| Enterprise value over EBITDA | 32.71 | 32.88 | 37.58 | 49.45 | 40.83 | |
| EV to operating cash flow | 84.78 | 38.24 | 79.39 | 86.13 | 36.33 | |
| EV to free cash flow | 89.61 | 38.69 | 87.6 | 98.37 | 37.18 | |
| Earnings yield | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | |
| Free cash flow yield | 0.01 | 0.04 | 0.02 | 0.03 | 0.07 | |
| Debt to equity | 0.63 | 0.66 | 0.89 | 1.39 | 1.58 | |
| Debt to assets | 0.07 | 0.07 | 0.09 | 0.14 | 0.15 | |
| Net debt to EBITDA | 4.59 | 11.93 | 15.97 | 30.2 | 24.46 | |
| Current ratio | 3.94 | 1.62 | 2.7 | 0.2 | 0.4 | |
| Interest coverage | 4.33 | 6.12 | 4.17 | 2.46 | 1.96 | |
| Income quality | 0.98 | 1.8 | 1.08 | 1.24 | 2.85 | |
| Dividend Yield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Payout ratio | 0.61 | 0.41 | 0.49 | 0.42 | 0.43 | |
| Sales general and administrative to revenue | 0.5 | 0.43 | 0.43 | 0.44 | 0.44 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0 | 0 | 0 | 0 | 0 | |
| Capex to operating cash flow | -0.05 | -0.01 | -0.09 | -0.12 | -0.02 | |
| Capex to revenue | -0.01 | -0.01 | -0.02 | -0.04 | -0.01 | |
| Capex to depreciation | -0.07 | -0.06 | -0.24 | -0.49 | -0.19 | |
| Stock based compensation to revenue | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | |
| Graham number | 9.49 | 11.58 | 10.72 | 11.56 | 11.61 | |
| ROIC | 0 | 0 | 0 | 0 | 0 | |
| Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
| Graham Net | -135.23 | -141.28 | -147.56 | -154.78 | -161.01 | |
| Working capital | 49.2M | 11.17M | 27.87M | -125.94M | -101.2M | |
| Tangible asset value | 127.62M | 128.65M | 129.19M | 129.24M | 129.41M | |
| Net current asset value | -994.3M | -1.03B | -1.07B | -1.11B | -1.14B | |
| Invested capital | 0.63 | 0.66 | 0.89 | 1.39 | 1.58 | |
| Average receivables | 2.86M | 2.91M | 3.01M | 3.2M | 3.48M | |
| Average payables | 17.42M | 17.3M | 17.14M | 16.45M | 17.16M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 29.65 | 27.6 | 27.57 | 29.09 | 31.29 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 3.04 | 3.26 | 3.26 | 3.09 | 2.88 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | |
| Capex per share | -0.01 | -0.01 | -0.03 | -0.05 | -0.02 |
PROV Frequently Asked Questions
What is Provident Financial Holdings, Inc. stock symbol ?
Provident Financial Holdings, Inc. is a US stock , located in Riverside of Ca and trading under the symbol PROV
What is Provident Financial Holdings, Inc. stock quote today ?
Provident Financial Holdings, Inc. stock price is $12.5 today.
Is Provident Financial Holdings, Inc. stock public?
Yes, Provident Financial Holdings, Inc. is a publicly traded company.
Company Profile
- Volume Average 4.7K
- Market Capitalization 87.85M
- Employee 110
- CEO Mr. Craig G. Blunden
- Headquarters Riverside,CA,US
- IPO Date 1996-06-28
-
Website
https://www.myprovident.com 
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 single-family, multi-family, commercial real estate, construction, mortgage, 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 one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.
