Provident Financial Valuation
| PROV Stock | USD 16.22 0.27 1.69% |
At this time, the company appears to be overvalued. Provident Financial holds a recent Real Value of $13.16 per share. The prevailing price of the company is $16.22. Our model determines the value of Provident Financial from analyzing the company fundamentals such as Shares Outstanding of 6.76 M, operating margin of 0.28 %, and Return On Equity of 0.0579 as well as examining its technical indicators and probability of bankruptcy.
Overvalued
Today
Please note that Provident Financial's price fluctuation is not too volatile at this time. Calculation of the real value of Provident Financial is based on 3 months time horizon. Increasing Provident Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Provident stock is determined by what a typical buyer is willing to pay for full or partial control of Provident Financial Holdings. Since Provident Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Provident Stock. However, Provident Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 16.22 | Real 13.16 | Hype 16.22 | Naive 16.51 |
The intrinsic value of Provident Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Provident Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Provident Financial Holdings helps investors to forecast how Provident stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Provident Financial more accurately as focusing exclusively on Provident Financial's fundamentals will not take into account other important factors: Provident Financial Total Value Analysis
Provident Financial Holdings is at this time estimated to have valuation of 312.75 M with market capitalization of 109.7 M, debt of 238.5 M, and cash on hands of 38.9 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Provident Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
312.75 M | 109.7 M | 238.5 M | 38.9 M |
Provident Financial Investor Information
About 19.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.83. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Provident Financial last dividend was issued on the 14th of November 2024. The entity had 3:2 split on the 3rd of February 2004. Based on the analysis of Provident Financial's profitability, liquidity, and operating efficiency, Provident Financial Holdings is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January.Provident Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Provident indicates not a very effective usage of assets in December.Provident Financial Ownership Allocation
The market capitalization of Provident Financial is $109.7 Million. 30% of Provident Financial Holdings outstanding shares are owned by third-party entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Provident Financial Profitability Analysis
The company reported the previous year's revenue of 38.93 M. Net Income was 7.35 M with profit before overhead, payroll, taxes, and interest of 38.77 M.Provident Financial Past Distributions to stockholders
About Provident Financial Valuation
Our relative valuation model uses a comparative analysis of Provident Financial. We calculate exposure to Provident Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Provident Financial's related companies.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. Provident Financial Holdings, Inc. was founded in 1956 and is headquartered in Riverside, California. Provident Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 110 people.
A single share of Provident Financial represents a small ownership stake in the entity. As a stockholder of Provident, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Provident Financial Dividends Analysis For Valuation
There are various types of dividends Provident Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Provident shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Provident Financial Holdings directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Provident pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Provident Financial by the value of the dividends paid out.
Provident Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Provident Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 7 M | |
| Quarterly Earnings Growth Y O Y | 0.112 | |
| Forward Price Earnings | 11.3122 |
Additional Tools for Provident Stock Analysis
When running Provident Financial's price analysis, check to measure Provident Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Provident Financial is operating at the current time. Most of Provident Financial's value examination focuses on studying past and present price action to predict the probability of Provident Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Provident Financial's price. Additionally, you may evaluate how the addition of Provident Financial to your portfolios can decrease your overall portfolio volatility.