Provident Financial Holdings, Inc. Financial Ratios — PROV

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Return on Common Equity (%)	7.55	16.93	4.32	6.83	5.44	3.98	1.71	3.66	6.29	6.02	7.11	6.65	5.66	4.84	5.22
Return on Assets (%)	0.84	2.09	0.57	0.86	0.64	0.44	0.18	0.39	0.68	0.64	0.77	0.68	0.56	0.5	0.54
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.7	1.61	2.66	2.52	2.75	3.97	5.38	6.07	8.29	17.8	13.35	7.76	8.12	8.94	9.65
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.46	39.35	18.61	23.19	18.51	13.25	9.5	11.68	26.64	28.93	35.41	30.24	26.73	22.75	24.06
Profit Margin (%)	13.53	23.76	10.59	13.31	10.77	7.82	3.66	8.72	18.79	21.47	25.04	20.93	18.91	16.04	16.62
Net Income to Common Margin (%)	13.53	23.76	10.59	13.31	10.77	7.82	3.66	8.72	18.79	21.47	25.04	20.93	18.91	16.04	16.62
Effective Tax Rate (%)	42.31	39.6	43.1	42.61	41.82	40.94	61.44	25.39	29.47	25.78	29.28	30.8	29.23	29.51	30.94
Dvd Payout Ratio (%)	14.54	9.85	60.01	41.36	53.71	79.11	198.4	94.95	54.4	55.19	45.6	46.53	52.88	60.21	53.97
Sustainable Growth Rate (%)	6.45	15.26	1.73	4.01	2.52	0.83	-1.69	0.18	2.87	2.7	3.87	3.56	2.67	1.93	2.4

Credit (USD)

Credit Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Total Debt	127	106	41	91	91	126	126	101	141	101	85	235	238	213	157
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	127	106	41	91	91	126	126	101	141	101	85	235	238	213	157
Total Debt/EBITDA	93.25	60.99	24.99	49.2	47.83	47.81	40.31	32.88	41.59	16.12	17.53	73.72	75.59	61.12	40.61
Net Debt/EBITDA	-13.7	-50.03	-46.75	5.37	21	20.23	26.47	9.91	7.38	4.9	12.7	53.06	59.31	45.87	27.87
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.48	13.21	13.19	12.02	11.39	10.68	10.25	11.12	10.53	10.75	10.84	9.73	10.21	10.32	10.45
Long-Term Debt/Equity (%)	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76	124.42
Long-Term Debt/Capital (%)	46.64	39.96	22.12	39.3	40.62	49.61	51.16	45.6	53.22	44.24	39.78	64.44	64.73	62.37	55.44
Long-Term Debt/Total Assets (%)	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11	13
Total Debt/Equity (%)	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76	124.42
Total Debt/Capital (%)	46.64	39.96	22.12	39.3	40.62	49.61	51.16	45.6	53.22	44.24	39.78	64.44	64.73	62.37	55.44
Total Debt/Total Assets (%)	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11	13
Net Debt to Equity	-12.84	-54.6	-53.14	7.06	30.04	41.64	68.79	25.26	20.18	24.13	47.87	130.44	144.01	124.4	85.4
Net Debt/Capital (%)	-14.73	-120.27	-113.39	6.59	23.1	29.4	40.75	20.17	16.79	19.44	32.37	56.6	59.02	55.42	46.05
EBITDA	1	2	2	2	2	3	3	3	3	6	5	3	3	3	4
EBITDA-CapEx	-1	1	1	1	- -	1	- -	3	3	6	5	2	2	3	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.48	13.21	13.19	12.02	11.39	10.68	10.25	11.12	10.53	10.75	10.84	9.73	10.21	10.32	10.45
Long-Term Debt/Equity (%)	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76	124.42
Long-Term Debt/Capital (%)	46.64	39.96	22.12	39.3	40.62	49.61	51.16	45.6	53.22	44.24	39.78	64.44	64.73	62.37	55.44
Long-Term Debt/Total Assets (%)	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11	13
Total Debt/Equity (%)	87.41	66.57	28.4	64.74	68.41	98.44	104.74	83.81	113.77	79.34	66.07	181.21	183.54	165.76	124.42
Total Debt/Capital (%)	46.64	39.96	22.12	39.3	40.62	49.61	51.16	45.6	53.22	44.24	39.78	64.44	64.73	62.37	55.44
Total Debt/Total Assets (%)	10.04	8.79	3.75	7.78	7.79	10.51	10.73	9.32	11.99	8.53	7.16	17.63	18.75	17.11	13
CFO/Total Liabilities	-1.1	5.24	5.06	-5.59	4.6	7.78	2.65	11.11	0.76	1.1	1.11	1.36	0.5	0.78	0.83
CFO/CapEx	-4.75	49.56	67.86	-153.66	31.5	55.96	9.62	238.51	34.73	51.44	71.47	22.03	3.58	16.39	20.76
Altman's Z-Score	0.3	0.39	0.37	0.37	0.37	0.36	0.36	0.39	0.32	0.34	0.33	0.29	0.31	0.32	0.34

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Accounts Receivable Turnover	22.64	34.63	22.79	27.68	24.69	23.37	19	15.27	12.22	11.23	12.17	12.3	9.72	9.17	9.42
Days Sales Outstanding	16.12	10.54	16.01	13.19	14.78	15.62	19.21	23.9	29.86	32.5	29.98	29.68	37.56	39.78	38.73
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Market Capitalization	125	165	135	145	146	148	142	157	100	130	108	90	86	102	108
- Cash & Cash Equivalents	145	194	119	81	51	73	43	71	116	70	23	66	51	53	49
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	127	106	41	91	91	126	126	101	141	101	85	235	238	213	157
Enterprise Value	84	58	42	140	174	193	217	182	120	157	167	257	271	262	215
Total Capital	271	266	187	233	225	254	247	222	265	228	214	365	368	342	283
Total Debt/Capital (%)	46.64	39.96	22.12	39.3	40.62	49.61	51.16	45.6	53.22	44.24	39.78	64.44	64.73	62.37	55.44
Total Debt / EV	1.51	1.83	1	0.65	0.52	0.66	0.58	0.56	1.18	0.64	0.51	0.92	0.88	0.81	0.73
EV/Sales	1.05	0.54	0.67	1.91	2.51	2.89	3.73	3.58	2.93	4.47	4.6	6.25	6.97	6.71	5.36
EV/EBITDA	61.67	33.26	25.06	75.58	91.41	72.95	69.32	59.07	35.39	25.11	34.43	80.55	85.86	75.12	55.51
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	1.05	0.86	- -	3.65	2.31	7.75	1.7	15.09	13.6	14.16	15.73	47.65	30.15	23.93
EV/Free Cash Flow to Firm	- -	1.03	0.84	- -	3.54	2.27	7.02	1.69	14.67	13.34	13.96	15.05	37.24	28.42	22.83
Diluted Market Cap	130	172	147	154	156	156	147	160	102	130	110	92	87	- -	- -
Diluted Enterprise Value	111	85	70	164	196	209	230	190	127	161	172	261	274	160	108
EV per Share	7.71	5.59	4.46	16.25	21.88	24.96	29.24	24.26	16.14	20.87	22.92	36.46	39.56	39.81	34.27
TTM Sales	80	109	62	74	69	67	58	51	41	35	36	41	39	39	40
TTM EBITDA	1	2	2	2	2	3	3	3	3	6	5	3	3	3	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-12	55	49	-58	48	83	28	107	8	12	12	16	6	9	9
TTM Free Cash Flow to Firm	-10	56	49	-57	49	85	31	108	8	12	12	17	7	9	9

Multiples (USD)

Valuation Multiples API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Price/Free Cash Flow	-13.34	3.06	2.99	-2.68	3.17	1.84	4.76	1.48	12.48	11.03	9.24	5.37	11.96	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	84	58	42	140	174	193	217	182	120	157	167	257	271	262	215
Low Price	7.92	10.92	13.75	14.04	15.51	17.68	17.62	14.67	11.78	11.4	13.76	11.61	10.16	12.01	14.95
EV/Sales	1.05	0.54	0.67	1.91	2.51	2.89	3.73	3.58	2.93	4.47	4.6	6.25	6.97	6.71	5.36
EV/EBITDA	61.67	33.26	25.06	75.58	91.41	72.95	69.32	59.07	35.39	25.11	34.43	80.55	85.86	75.12	55.51
Price/Earnings	12.01	6.53	21.85	15.36	20.44	29.27	67.53	35.58	13.02	17.05	12.08	10.6	11.81	- -	- -
Price/Earnings Average	9.98	6.29	23.49	14.26	19.41	29.24	66.5	31.52	18.15	14.7	13.36	11.55	12.33	- -	- -
Price/Earnings High	12.3	8.09	27.98	16.92	21.43	31.42	70.78	36.95	22.32	18.24	14.86	12.62	14.55	- -	- -
Price/Earnings Low	8.25	4.49	20.66	12.89	17.32	26.89	62.36	24.86	11.44	11.25	11.2	9.65	9.6	- -	- -
Price/Book Value	0.86	1.03	0.93	1.02	1.09	1.16	1.18	1.3	0.8	1.02	0.84	0.69	0.66	0.79	0.85
Price/Book Value Average	0.72	0.99	1	0.95	1.04	1.16	1.16	1.15	1.12	0.88	0.93	0.75	0.69	0.76	0.8
Price/Book Value High	0.89	1.28	1.19	1.13	1.15	1.24	1.23	1.35	1.38	1.09	1.03	0.82	0.81	0.85	0.86
Price/Book Value Low	0.59	0.71	0.88	0.86	0.93	1.06	1.09	0.91	0.71	0.68	0.78	0.63	0.54	0.61	0.74
Price/Tangible Book Value	0.86	1.03	0.93	1.02	1.09	1.16	1.18	1.3	0.8	1.02	0.84	0.69	0.66	0.79	0.85
Price/Tangible Book Value Average	0.72	0.99	1	0.95	1.04	1.16	1.16	1.15	1.12	0.88	0.93	0.75	0.69	0.76	0.8
Price/Tangible Book Value High	0.89	1.28	1.19	1.13	1.15	1.24	1.23	1.35	1.38	1.09	1.03	0.82	0.81	0.85	0.86
Price/Tangible Book Value Low	0.59	0.71	0.88	0.86	0.93	1.06	1.09	0.91	0.71	0.68	0.78	0.63	0.54	0.61	0.74
Price/Sales	1.63	1.55	2.31	2.04	2.2	2.29	2.47	3.1	2.45	3.66	3.02	2.22	2.23	- -	- -
Price/Sales Average	1.35	1.5	2.49	1.9	2.09	2.29	2.44	2.75	3.41	3.16	3.35	2.42	2.33	- -	- -
Price/Sales High	1.66	1.92	2.96	2.25	2.31	2.46	2.59	3.22	4.19	3.92	3.72	2.64	2.75	- -	- -
Price/Sales Low	1.12	1.07	2.19	1.71	1.87	2.1	2.28	2.17	2.15	2.42	2.81	2.02	1.82	- -	- -
Price/Cash Flow	-10.53	3.06	2.97	-2.61	3.2	1.83	5.14	1.47	12.59	11.14	9.31	5.58	15.27	- -	- -
Price/Cash Flow Average	-8.75	2.95	3.2	-2.42	3.04	1.82	5.06	1.3	17.55	9.6	10.3	6.08	15.94	- -	- -
Price/Cash Flow High	-10.79	3.79	3.81	-2.87	3.35	1.96	5.39	1.52	21.58	11.92	11.46	6.64	18.81	- -	- -
Price/Cash Flow Low	-7.24	2.1	2.81	-2.19	2.71	1.68	4.75	1.03	11.06	7.35	8.64	5.08	12.41	- -	- -
Price/Free Cash Flow Average	-11.09	2.95	3.21	-2.48	3.01	1.83	4.68	1.31	17.39	9.51	10.22	5.85	12.49	- -	- -
Price/Free Cash Flow High	-13.67	3.8	3.82	-2.95	3.32	1.97	4.98	1.54	21.39	11.81	11.37	6.4	14.73	- -	- -
Price/Free Cash Flow Low	-9.17	2.11	2.82	-2.24	2.69	1.69	4.39	1.04	10.96	7.28	8.57	4.89	9.72	- -	- -
EV/Sales Average	1.07	0.66	1.09	1.96	2.58	3.03	3.82	3.35	4.01	4.06	4.99	6.5	7.11	6.6	5.2
EV/Sales High	1.37	1.08	1.54	2.3	2.78	3.2	3.97	3.82	4.79	4.83	5.36	6.72	7.53	6.92	5.42
EV/Sales Low	0.84	0.24	0.81	1.78	2.36	2.85	3.67	2.77	2.75	3.31	4.46	6.11	6.61	6.13	5.03
EV/EBITDA Average	62.95	41.06	41.06	77.6	93.62	76.4	71.02	55.18	48.38	22.82	37.35	83.75	87.64	73.85	53.89
EV/EBITDA High	80.78	67.1	57.83	91.11	101.17	80.6	73.89	62.98	57.79	27.14	40.12	86.6	92.74	77.4	56.1
EV/EBITDA Low	49.66	14.93	30.48	70.65	85.8	71.89	68.25	45.62	33.21	18.62	33.37	78.71	81.36	68.55	52.1
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.53	15.88	14.54	16.74	18.3	19.25	19.08	20.99	13.41	17.27	14.83	12.75	12.5	15.5	17.2
High Price	11.81	19.69	18.62	18.44	19.19	20.66	20	21.8	22.99	18.48	18.25	15.18	15.4	16.7	17.42
Enterprise Value Average	85	72	68	144	179	202	222	170	164	143	181	267	276	257	208
Enterprise Value High	110	117	96	169	193	213	231	194	196	170	195	276	293	270	217
Enterprise Value Low	67	26	51	131	164	190	214	140	113	117	162	251	257	239	201

Shares Outstanding	11	10	9	9	8	8	7	7	7	8	7	7	7	7	6
Diluted Weighted Avg Shares	11	11	10	9	9	8	8	8	8	8	7	7	7	- -	- -
Basic Weighted Avg Shares	11	11	10	9	8	8	8	7	7	7	7	7	7	- -	- -
Revenue per Share	7.09	10.24	6.29	8.19	8.31	8.41	7.72	6.77	5.48	4.72	4.9	5.75	5.6	- -	- -
EBITDA per Share	0.12	0.16	0.17	0.21	0.23	0.33	0.42	0.41	0.45	0.84	0.65	0.45	0.45	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.96	2.43	0.67	1.09	0.9	0.66	0.28	0.59	1.03	1.01	1.23	1.2	1.06	- -	- -
Basic EPS from Cont Ops	0.96	2.43	0.67	1.09	0.9	0.66	0.28	0.59	1.03	1.01	1.23	1.2	1.06	- -	- -
Diluted EPS, GAAP	0.96	2.38	0.65	1.07	0.88	0.64	0.28	0.58	1.01	1	1.22	1.19	1.06	- -	- -
Diluted EPS from Cont Ops	0.96	2.38	0.65	1.07	0.88	0.64	0.28	0.58	1.01	1	1.22	1.19	1.06	- -	- -
Dividend per Share	0.14	0.24	0.4	0.45	0.48	0.52	0.56	0.56	0.56	0.56	0.56	0.56	0.56	- -	- -
Cash Flow per Share	-1.09	5.19	4.89	-6.42	5.72	10.54	3.71	14.3	1.07	1.55	1.59	2.29	0.82	- -	- -
Free Cash Flow per Basic Share	-1.32	5.09	4.82	-6.46	5.54	10.35	3.32	14.24	1.03	1.52	1.57	2.18	0.59	- -	- -
Cash & Equivalents per Share	15.48	20.54	14.53	11.07	7.87	10.65	6.84	10.23	16.24	9.79	3.58	9.66	7.77	8.08	8.01
Book Value per Share	13.34	15.4	15.66	16.35	16.73	16.62	16.23	16.12	16.67	16.88	17.66	18.41	18.98	19.54	20.15
Tangible Book Value per Share	13.34	15.4	15.66	16.35	16.73	16.62	16.23	16.12	16.67	16.88	17.66	18.41	18.98	19.54	20.15

Provident Financial Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)