Company Analysis Provident Financial Holdings, Inc.
1. Summary
Advantages
- Dividends (4.28%) are higher than the sector average (1.93%).
- The stock's return over the last year (15.43%) is higher than the sector average (-20.24%).
- The company's current efficiency (ROE=5.66%) is higher than the sector average (ROE=5.61%)
Disadvantages
- Price (12.99 $) is higher than fair price (12.31 $)
- Current debt level 30.18% has increased over 5 years from 10.69%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Provident Financial Holdings, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -1.8% | -6.2% | -0.3% |
| 90 days | 12.9% | -28.8% | 10.9% |
| 1 year | 15.4% | -20.2% | 35% |
PROV vs Sector: Provident Financial Holdings, Inc. has outperformed the "Financials" sector by 35.68% over the past year.
PROV vs Market: Provident Financial Holdings, Inc. has significantly underperformed the market by -19.52% over the past year.
Stable price: PROV is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: PROV with weekly volatility of 0.2968% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Above fair price: The current price (12.99 $) is higher than the fair price (12.31 $).
Price is higher than fair: The current price (12.99 $) is 5.2% higher than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (11.74) is lower than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (11.74) is lower than that of the market as a whole (48.89).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.6641) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (0.6641) is lower than that of the market as a whole (3.36).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.47) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (1.47) is lower than that of the market as a whole (10.23).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-350.54) is lower than that of the sector as a whole (40.88).
EV/Ebitda vs Market: The company's EV/Ebitda (-350.54) is lower than that of the market as a whole (28.27).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 13.41% over the last 5 years.
Earnings Slowdown: The last year's return (-14.44%) is below the 5-year average return (13.41%).
Profitability vs Sector: The return for the last year (-14.44%) is lower than the return for the sector (4.17%).
5.4. ROE
ROE vs Sector: The company's ROE (5.66%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (5.66%) is lower than that of the market as a whole (10.79%).
5.5. ROA
ROA vs Sector: The company's ROA (0.5778%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (0.5778%) is lower than that of the market as a whole (6.51%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (3.42%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (3.42%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.28% is higher than the average for the sector '1.93%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.28% has been steadily paid over the past 7 years, DSI=0.93.
Weak dividend growth: The company's dividend yield 4.28% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (52.88%) are at a comfortable level.
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